GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-Q - CA39138C7677
23.69 CAD
+0.26 (+1.11%)
Overall GWO-PR-Q gets a fundamental rating of 4 out of 10. We evaluated GWO-PR-Q against 80 industry peers in the Insurance industry. Both the profitability and the financial health of GWO-PR-Q get a neutral evaluation. Nothing too spectacular is happening here. GWO-PR-Q is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-Q was profitable.
In the past year GWO-PR-Q had a positive cash flow from operations.
In the past 5 years GWO-PR-Q has always been profitable.
In the past 5 years GWO-PR-Q always reported a positive cash flow from operatings.
1.2 Ratios
GWO-PR-Q's Return On Assets of 0.47% is in line compared to the rest of the industry. GWO-PR-Q outperforms 41.25% of its industry peers.
GWO-PR-Q has a Return On Equity of 12.15%. This is comparable to the rest of the industry: GWO-PR-Q outperforms 60.00% of its industry peers.
With a Return On Invested Capital value of 0.46%, GWO-PR-Q perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-Q is below the industry average of 2.46%.
The last Return On Invested Capital (0.46%) for GWO-PR-Q is above the 3 year average (0.46%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| ROIC | 0.46% |
ROA(3y)0.47%
ROA(5y)0.48%
ROE(3y)11.29%
ROE(5y)11.02%
ROIC(3y)0.46%
ROIC(5y)0.45%
1.3 Margins
GWO-PR-Q's Profit Margin of 12.02% is fine compared to the rest of the industry. GWO-PR-Q outperforms 73.75% of its industry peers.
GWO-PR-Q's Profit Margin has improved in the last couple of years.
GWO-PR-Q has a Operating Margin of 16.34%. This is comparable to the rest of the industry: GWO-PR-Q outperforms 51.25% of its industry peers.
GWO-PR-Q's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| GM | N/A |
OM growth 3Y37.97%
OM growth 5Y21.31%
PM growth 3Y35.92%
PM growth 5Y18.11%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, GWO-PR-Q has about the same amount of shares outstanding.
Compared to 5 years ago, GWO-PR-Q has more shares outstanding
Compared to 1 year ago, GWO-PR-Q has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-Q is 1.74, which is an excellent value as it means it would take GWO-PR-Q, only 1.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.74, GWO-PR-Q is in line with its industry, outperforming 58.75% of the companies in the same industry.
GWO-PR-Q has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of GWO-PR-Q (0.26) is better than 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.21 indicates that GWO-PR-Q may have some problems paying its short term obligations.
The Current ratio of GWO-PR-Q (0.21) is better than 75.00% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-Q may have some problems paying its short term obligations.
GWO-PR-Q's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO-PR-Q outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.19% over the past year.
GWO-PR-Q shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
The Revenue has decreased by -7.48% in the past year.
GWO-PR-Q shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.19% yearly.
EPS 1Y (TTM)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%66.19%
3.2 Future
The Earnings Per Share is expected to grow by 3.72% on average over the next years.
The Revenue is expected to decrease by -7.91% on average over the next years.
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 4.86, which indicates a rather cheap valuation of GWO-PR-Q.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-Q indicates a somewhat cheap valuation: GWO-PR-Q is cheaper than 61.25% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GWO-PR-Q to the average of the S&P500 Index (26.31), we can say GWO-PR-Q is valued rather cheaply.
GWO-PR-Q is valuated cheaply with a Price/Forward Earnings ratio of 4.52.
Based on the Price/Forward Earnings ratio, GWO-PR-Q is valued a bit cheaper than 62.50% of the companies in the same industry.
GWO-PR-Q's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.52 |
4.2 Price Multiples
63.75% of the companies in the same industry are cheaper than GWO-PR-Q, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-Q's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)0.54
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-Q has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
GWO-PR-Q's Dividend Yield is slightly below the industry average, which is at 4.36.
GWO-PR-Q's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
The dividend of GWO-PR-Q has a limited annual growth rate of 5.95%.
GWO-PR-Q has been paying a dividend for at least 10 years, so it has a reliable track record.
GWO-PR-Q has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
GWO-PR-Q pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of GWO-PR-Q is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP
TSX:GWO-PR-Q (11/28/2025, 7:00:00 PM)
23.69
+0.26 (+1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.25%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap21.66B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target24.63 (3.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.62%
Min EPS beat(2)4.32%
Max EPS beat(2)8.92%
EPS beat(4)3
Avg EPS beat(4)3.17%
Min EPS beat(4)-5.18%
Max EPS beat(4)8.92%
EPS beat(8)7
Avg EPS beat(8)3.85%
EPS beat(12)10
Avg EPS beat(12)4.07%
EPS beat(16)12
Avg EPS beat(16)2.78%
Revenue beat(2)2
Avg Revenue beat(2)176.86%
Min Revenue beat(2)64.71%
Max Revenue beat(2)289.01%
Revenue beat(4)4
Avg Revenue beat(4)105.76%
Min Revenue beat(4)2.76%
Max Revenue beat(4)289.01%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.85%
PT rev (3m)2.73%
EPS NQ rev (1m)4.56%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)0.63%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)-72.36%
Revenue NQ rev (3m)-72.36%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.52 | ||
| P/S | 0.65 | ||
| P/FCF | 4.36 | ||
| P/OCF | 4.36 | ||
| P/B | 0.66 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY20.56%
EPS(NY)5.24
Fwd EY22.1%
FCF(TTM)5.44
FCFY22.95%
OCF(TTM)5.44
OCFY22.95%
SpS36.27
BVpS35.88
TBVpS18.27
PEG (NY)0.72
PEG (5Y)0.54
Graham Number62.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 12.15% | ||
| ROCE | 0.64% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.47% | ||
| ROICexgc | 1.6% | ||
| OM | 16.34% | ||
| PM (TTM) | 12.02% | ||
| GM | N/A | ||
| FCFM | 14.99% |
ROA(3y)0.47%
ROA(5y)0.48%
ROE(3y)11.29%
ROE(5y)11.02%
ROIC(3y)0.46%
ROIC(5y)0.45%
ROICexc(3y)0.46%
ROICexc(5y)0.45%
ROICexgc(3y)1.35%
ROICexgc(5y)1.32%
ROCE(3y)0.64%
ROCE(5y)0.62%
ROICexgc growth 3Y2.54%
ROICexgc growth 5Y4.99%
ROICexc growth 3Y1.18%
ROICexc growth 5Y1.35%
OM growth 3Y37.97%
OM growth 5Y21.31%
PM growth 3Y35.92%
PM growth 5Y18.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 13.29 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.7% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| Altman-Z | N/A |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)138.5%
Profit Quality(5y)214.73%
High Growth Momentum
Growth
EPS 1Y (TTM)11.19%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%16.67%
EPS Next Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue 1Y (TTM)-7.48%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%66.19%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
EBIT growth 1Y12.58%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y222.4%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y222.4%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP / GWO-PR-Q.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-Q.CA.
Can you provide the valuation status for GREAT-WEST LIFECO INC - GWOCN 5.15 PERP?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 5.15 PERP?
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) has a profitability rating of 5 / 10.
What is the financial health of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) stock?
The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) is 4 / 10.
Can you provide the expected EPS growth for GWO-PR-Q stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) is expected to grow by 6.71% in the next year.