GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-Q - CA39138C7677
23.25 CAD
-0.01 (-0.04%)
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 has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- GWO-PR-Q had positive earnings in the past year.
- In the past year GWO-PR-Q had a positive cash flow from operations.
- GWO-PR-Q had positive earnings in each of the past 5 years.
- In the past 5 years GWO-PR-Q always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.47%, GWO-PR-Q is doing worse than 60.00% of the companies in the same industry.
- The Return On Equity of GWO-PR-Q (12.15%) is comparable to the rest of the industry.
- GWO-PR-Q has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO-PR-Q outperforms 51.25% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-Q is below the industry average of 3.04%.
- 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
- Looking at the Profit Margin, with a value of 12.02%, GWO-PR-Q is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
- GWO-PR-Q's Profit Margin has improved in the last couple of years.
- GWO-PR-Q's Operating Margin of 16.34% is in line compared to the rest of the industry. GWO-PR-Q outperforms 48.75% 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
- GWO-PR-Q has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for GWO-PR-Q has been increased compared to 5 years ago.
- The debt/assets ratio for GWO-PR-Q has been reduced compared to a year ago.
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.
- GWO-PR-Q's Debt to FCF ratio of 1.74 is in line compared to the rest of the industry. GWO-PR-Q outperforms 57.50% of its industry peers.
- GWO-PR-Q has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.26, GWO-PR-Q is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- GWO-PR-Q has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-Q is not financially healthy enough and could expect problems in meeting its short term obligations.
- GWO-PR-Q has a better Current ratio (0.21) than 76.25% of its industry peers.
- GWO-PR-Q has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-Q is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of GWO-PR-Q (0.21) is better than 76.25% 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.
- Measured over the past years, GWO-PR-Q shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.95% on average per year.
- Looking at the last year, GWO-PR-Q shows a decrease in Revenue. The Revenue has decreased by -7.48% in the last year.
- The Revenue has been decreasing by -6.19% on average over the past years.
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
- Based on estimates for the next years, GWO-PR-Q will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
- Based on estimates for the next years, GWO-PR-Q will show a decrease in Revenue. The Revenue will decrease by -8.23% on average per year.
EPS Next Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
EPS Next 5Y3.72%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.23%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- A Price/Earnings ratio of 4.77 indicates a rather cheap valuation of GWO-PR-Q.
- 65.00% of the companies in the same industry are more expensive than GWO-PR-Q, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of GWO-PR-Q to the average of the S&P500 Index (28.39), we can say GWO-PR-Q is valued rather cheaply.
- A Price/Forward Earnings ratio of 4.30 indicates a rather cheap valuation of GWO-PR-Q.
- 62.50% of the companies in the same industry are more expensive than GWO-PR-Q, based on the Price/Forward Earnings ratio.
- GWO-PR-Q's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.77 | ||
| Fwd PE | 4.3 |
4.2 Price Multiples
- GWO-PR-Q's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| 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)0.46
PEG (5Y)0.53
EPS Next 2Y9.25%
EPS Next 3Y8.94%
5. Dividend
5.1 Amount
- GWO-PR-Q has a Yearly Dividend Yield of 5.34%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.42, GWO-PR-Q has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, GWO-PR-Q pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
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 2Y9.25%
EPS Next 3Y8.94%
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.
What is the valuation status of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) stock?
ChartMill assigns a valuation rating of 6 / 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.
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 10.36% in the next year.
Is the dividend of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP sustainable?
The dividend rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-Q.CA) is 6 / 10 and the dividend payout ratio is 58.22%.