GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:GWO-PR-R • CA39138C7594

22.05 CAD
-0.04 (-0.18%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GWO-PR-R. GWO-PR-R was compared to 80 industry peers in the Insurance industry. GWO-PR-R has an average financial health and profitability rating. GWO-PR-R has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year GWO-PR-R was profitable.
  • GWO-PR-R had a positive operating cash flow in the past year.
  • Each year in the past 5 years GWO-PR-R has been profitable.
  • In the past 5 years GWO-PR-R always reported a positive cash flow from operatings.
GWO-PR-R.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO-PR-R.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • GWO-PR-R has a Return On Assets (0.47%) which is comparable to the rest of the industry.
  • GWO-PR-R's Return On Equity of 12.15% is in line compared to the rest of the industry. GWO-PR-R outperforms 60.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.46%, GWO-PR-R is in line with its industry, outperforming 56.25% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GWO-PR-R is below the industry average of 3.04%.
  • The 3 year average ROIC (0.46%) for GWO-PR-R is below the current ROIC(0.46%), indicating increased profibility in the last year.
Industry RankSector 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%
GWO-PR-R.CA Yearly ROA, ROE, ROICGWO-PR-R.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • GWO-PR-R has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-R outperforms 77.50% of its industry peers.
  • GWO-PR-R's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 16.34%, GWO-PR-R perfoms like the industry average, outperforming 51.25% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GWO-PR-R has grown nicely.
Industry RankSector 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
GWO-PR-R.CA Yearly Profit, Operating, Gross MarginsGWO-PR-R.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

  • GWO-PR-R has about the same amout of shares outstanding than it did 1 year ago.
  • GWO-PR-R has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GWO-PR-R has an improved debt to assets ratio.
GWO-PR-R.CA Yearly Shares OutstandingGWO-PR-R.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GWO-PR-R.CA Yearly Total Debt VS Total AssetsGWO-PR-R.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • GWO-PR-R has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.74, GWO-PR-R is doing good in the industry, outperforming 61.25% of the companies in the same industry.
  • A Debt/Equity ratio of 0.26 indicates that GWO-PR-R is not too dependend on debt financing.
  • GWO-PR-R has a Debt to Equity ratio of 0.26. This is in the better half of the industry: GWO-PR-R outperforms 72.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.74
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GWO-PR-R.CA Yearly LT Debt VS Equity VS FCFGWO-PR-R.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • GWO-PR-R has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-R is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GWO-PR-R has a Current ratio of 0.21. This is in the better half of the industry: GWO-PR-R outperforms 77.50% of its industry peers.
  • GWO-PR-R has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-R is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GWO-PR-R has a better Quick ratio (0.21) than 77.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
GWO-PR-R.CA Yearly Current Assets VS Current LiabilitesGWO-PR-R.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.19% over the past year.
  • GWO-PR-R 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.
  • Measured over the past years, GWO-PR-R shows a decrease in Revenue. The Revenue has been decreasing by -6.19% on average per year.
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.
  • GWO-PR-R is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.23% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GWO-PR-R.CA Yearly Revenue VS EstimatesGWO-PR-R.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
GWO-PR-R.CA Yearly EPS VS EstimatesGWO-PR-R.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • GWO-PR-R is valuated cheaply with a Price/Earnings ratio of 4.53.
  • Based on the Price/Earnings ratio, GWO-PR-R is valued a bit cheaper than the industry average as 73.75% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of GWO-PR-R to the average of the S&P500 Index (28.41), we can say GWO-PR-R is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.08, the valuation of GWO-PR-R can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, GWO-PR-R is valued a bit cheaper than 73.75% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, GWO-PR-R is valued rather cheaply.
Industry RankSector Rank
PE 4.53
Fwd PE 4.08
GWO-PR-R.CA Price Earnings VS Forward Price EarningsGWO-PR-R.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-R is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 4.01
EV/EBITDA N/A
GWO-PR-R.CA Per share dataGWO-PR-R.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • GWO-PR-R's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.44
PEG (5Y)0.51
EPS Next 2Y9.25%
EPS Next 3Y8.94%

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6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.84%, GWO-PR-R has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.50, GWO-PR-R pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, GWO-PR-R pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

5.2 History

  • The dividend of GWO-PR-R has a limited annual growth rate of 5.95%.
  • GWO-PR-R has paid a dividend for at least 10 years, which is a reliable track record.
  • GWO-PR-R has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years12
GWO-PR-R.CA Yearly Dividends per shareGWO-PR-R.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 58.22% of the earnings are spent on dividend by GWO-PR-R. This is a bit on the high side, but may be sustainable.
  • GWO-PR-R's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
GWO-PR-R.CA Yearly Income VS Free CF VS DividendGWO-PR-R.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
GWO-PR-R.CA Dividend Payout.GWO-PR-R.CA Dividend Payout, showing the Payout Ratio.GWO-PR-R.CA Dividend Payout.PayoutRetained Earnings

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GREAT-WEST LIFECO INC - GWOCN 4.8 PERP

TSX:GWO-PR-R (2/2/2026, 7:00:00 PM)

22.05

-0.04 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-11
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap20.16B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target21.55 (-2.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years12
Ex-DateN/A
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)0%
PT rev (3m)-6.53%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)4%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)4.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)345.38%
Valuation
Industry RankSector Rank
PE 4.53
Fwd PE 4.08
P/S 0.6
P/FCF 4.01
P/OCF 4.01
P/B 0.61
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)4.87
EY22.09%
EPS(NY)5.41
Fwd EY24.52%
FCF(TTM)5.49
FCFY24.91%
OCF(TTM)5.49
OCFY24.91%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.44
PEG (5Y)0.51
Graham Number63.02
Profitability
Industry RankSector 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 RankSector 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 Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
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-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.23%
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 4.8 PERP / GWO-PR-R.CA FAQ

What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-R.CA.


What is the valuation status for GWO-PR-R stock?

ChartMill assigns a valuation rating of 6 / 10 to GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA). This can be considered as Fairly Valued.


What is the profitability of GWO-PR-R stock?

GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA) has a profitability rating of 5 / 10.


Can you provide the expected EPS growth for GWO-PR-R stock?

The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA) is expected to grow by 10.36% in the next year.


Is the dividend of GREAT-WEST LIFECO INC - GWOCN 4.8 PERP sustainable?

The dividend rating of GREAT-WEST LIFECO INC - GWOCN 4.8 PERP (GWO-PR-R.CA) is 6 / 10 and the dividend payout ratio is 58.22%.