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

TSX:GWO-PR-R • CA39138C7594

22 CAD
+0.02 (+0.09%)
Last: Feb 23, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

GWO-PR-R gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. GWO-PR-R has an average financial health and profitability rating. GWO-PR-R is not valued too expensively and it also shows a decent growth rate. Finally GWO-PR-R also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years GWO-PR-R has always been profitable.
  • Each year in the past 5 years GWO-PR-R had a positive operating cash flow.
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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.46%, GWO-PR-R is doing worse than 64.56% of the companies in the same industry.
  • GWO-PR-R has a Return On Equity of 12.02%. This is comparable to the rest of the industry: GWO-PR-R outperforms 49.37% of its industry peers.
  • With a Return On Invested Capital value of 0.55%, GWO-PR-R perfoms like the industry average, outperforming 56.96% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-R is below the industry average of 3.06%.
  • The 3 year average ROIC (0.54%) for GWO-PR-R is below the current ROIC(0.55%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROIC 0.55%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
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 2025 2 4 6 8 10

1.3 Margins

  • GWO-PR-R has a Profit Margin (11.13%) which is in line with its industry peers.
  • GWO-PR-R's Profit Margin has improved in the last couple of years.
  • GWO-PR-R's Operating Margin of 15.31% is on the low side compared to the rest of the industry. GWO-PR-R is outperformed by 60.76% of its industry peers.
  • GWO-PR-R's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.31%
PM (TTM) 11.13%
GM N/A
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
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 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, GWO-PR-R has less shares outstanding
  • GWO-PR-R has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for GWO-PR-R has been reduced compared to a year ago.
GWO-PR-R.CA Yearly Shares OutstandingGWO-PR-R.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B

2.2 Solvency

  • GWO-PR-R has a debt to FCF ratio of 3.25. This is a good value and a sign of high solvency as GWO-PR-R would need 3.25 years to pay back of all of its debts.
  • GWO-PR-R has a Debt to FCF ratio (3.25) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.27 indicates that GWO-PR-R is not too dependend on debt financing.
  • The Debt to Equity ratio of GWO-PR-R (0.27) is better than 67.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
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 2025 10B 20B 30B

2.3 Liquidity

  • GWO-PR-R has a Current Ratio of 0.20. 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 Current ratio (0.20) than 70.89% of its industry peers.
  • GWO-PR-R has a Quick Ratio of 0.20. 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's Quick ratio of 0.20 is fine compared to the rest of the industry. GWO-PR-R outperforms 70.89% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
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 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.34% over the past year.
  • GWO-PR-R shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.11% yearly.
  • The Revenue has grown by 10.29% in the past year. This is quite good.
  • Measured over the past years, GWO-PR-R shows a decrease in Revenue. The Revenue has been decreasing by -10.00% on average per year.
EPS 1Y (TTM)1.34%
EPS 3Y3.46%
EPS 5Y6.11%
EPS Q2Q%-4.08%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%61.23%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.13% on average over the next years.
  • GWO-PR-R is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.03% yearly.
EPS Next Y8.15%
EPS Next 2Y8.24%
EPS Next 3Y-0.52%
EPS Next 5Y2.13%
Revenue Next Year6.44%
Revenue Next 2Y5.77%
Revenue Next 3Y3.72%
Revenue Next 5Y29.03%

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 accelerating.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.15, which indicates a rather cheap valuation of GWO-PR-R.
  • The rest of the industry has a similar Price/Earnings ratio as GWO-PR-R.
  • When comparing the Price/Earnings ratio of GWO-PR-R to the average of the S&P500 Index (26.64), we can say GWO-PR-R is valued rather cheaply.
  • GWO-PR-R is valuated cheaply with a Price/Forward Earnings ratio of 4.07.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GWO-PR-R indicates a somewhat cheap valuation: GWO-PR-R is cheaper than 73.42% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, GWO-PR-R is valued rather cheaply.
Industry RankSector Rank
PE 5.15
Fwd PE 4.07
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

  • 62.03% of the companies in the same industry are cheaper than GWO-PR-R, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.34
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)0.63
PEG (5Y)0.84
EPS Next 2Y8.24%
EPS Next 3Y-0.52%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.20%, GWO-PR-R is a good candidate for dividend investing.
  • GWO-PR-R's Dividend Yield is comparable with the industry average which is at 4.24.
  • Compared to an average S&P500 Dividend Yield of 1.80, GWO-PR-R pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.2%

5.2 History

  • On average, the dividend of GWO-PR-R grows each year by 6.72%, which is quite nice.
  • 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)6.72%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 60.93% of the earnings are spent on dividend by GWO-PR-R. This is not a sustainable payout ratio.
  • The dividend of GWO-PR-R is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.93%
EPS Next 2Y8.24%
EPS Next 3Y-0.52%
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 2025 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 (2/23/2026, 7:00:00 PM)

22

+0.02 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap19.89B
Revenue(TTM)35.59B
Net Income(TTM)3.96B
Analysts72.5
Price Target24.11 (9.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.2%
Yearly Dividend2.63
Dividend Growth(5Y)6.72%
DP60.93%
Div Incr Years0
Div Non Decr Years12
Ex-Date03-03
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)377.5%
Min Revenue beat(2)289.01%
Max Revenue beat(2)466%
Revenue beat(4)4
Avg Revenue beat(4)221.57%
Min Revenue beat(4)64.71%
Max Revenue beat(4)466%
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)11.87%
PT rev (3m)3.72%
EPS NQ rev (1m)1.11%
EPS NQ rev (3m)2.26%
EPS NY rev (1m)0%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-72.95%
Revenue NY rev (1m)2.83%
Revenue NY rev (3m)241.14%
Valuation
Industry RankSector Rank
PE 5.15
Fwd PE 4.07
P/S 0.56
P/FCF 7.34
P/OCF 7.34
P/B 0.6
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)4.27
EY19.41%
EPS(NY)5.41
Fwd EY24.58%
FCF(TTM)3
FCFY13.62%
OCF(TTM)3
OCFY13.62%
SpS39.37
BVpS36.44
TBVpS18.52
PEG (NY)0.63
PEG (5Y)0.84
Graham Number59.17
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROCE 0.63%
ROIC 0.55%
ROICexc 0.56%
ROICexgc 1.91%
OM 15.31%
PM (TTM) 11.13%
GM N/A
FCFM 7.61%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
ROICexc(3y)0.54%
ROICexc(5y)0.56%
ROICexgc(3y)1.65%
ROICexgc(5y)1.68%
ROCE(3y)0.62%
ROCE(5y)0.64%
ROICexgc growth 3Y0.62%
ROICexgc growth 5Y5.63%
ROICexc growth 3Y-3.26%
ROICexc growth 5Y3.65%
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 14.01
Cash Conversion N/A
Profit Quality 68.38%
Current Ratio 0.2
Quick Ratio 0.2
Altman-Z N/A
F-Score5
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)126.33%
Profit Quality(5y)163.1%
High Growth Momentum
Growth
EPS 1Y (TTM)1.34%
EPS 3Y3.46%
EPS 5Y6.11%
EPS Q2Q%-4.08%
EPS Next Y8.15%
EPS Next 2Y8.24%
EPS Next 3Y-0.52%
EPS Next 5Y2.13%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%61.23%
Revenue Next Year6.44%
Revenue Next 2Y5.77%
Revenue Next 3Y3.72%
Revenue Next 5Y29.03%
EBIT growth 1Y-1.02%
EBIT growth 3Y5.54%
EBIT growth 5Y11.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43%
FCF growth 3Y-10.46%
FCF growth 5Y-22.38%
OCF growth 1Y-43%
OCF growth 3Y-10.46%
OCF growth 5Y-22.38%

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 5 / 10 to GWO-PR-R.CA.


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

ChartMill assigns a valuation rating of 5 / 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 4 / 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 8.15% 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 7 / 10 and the dividend payout ratio is 60.93%.