GREAT-WEST LIFECO INC - GWOCN 5 1/4 PERP (GWO-PR-S.CA) Stock Fundamental Analysis
TSX:GWO-PR-S - CA39138C7347
23.73 CAD
+0.2 (+0.85%)
Taking everything into account, GWO-PR-S scores 4 out of 10 in our fundamental rating. GWO-PR-S was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of GWO-PR-S while its profitability can be described as average. GWO-PR-S is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-S was profitable.
GWO-PR-S had a positive operating cash flow in the past year.
In the past 5 years GWO-PR-S has always been profitable.
Each year in the past 5 years GWO-PR-S had a positive operating cash flow.
1.2 Ratios
GWO-PR-S's Return On Assets of 0.46% is on the low side compared to the rest of the industry. GWO-PR-S is outperformed by 66.25% of its industry peers.
GWO-PR-S's Return On Equity of 11.43% is in line compared to the rest of the industry. GWO-PR-S outperforms 45.00% of its industry peers.
GWO-PR-S has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO-PR-S outperforms 45.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-S is in line with the industry average of 2.34%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| 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-S's Profit Margin of 10.77% is fine compared to the rest of the industry. GWO-PR-S outperforms 62.50% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-S has grown nicely.
The Operating Margin of GWO-PR-S (14.86%) is worse than 78.75% of its industry peers.
In the last couple of years the Operating Margin of GWO-PR-S has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| 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-S has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GWO-PR-S has more shares outstanding
Compared to 1 year ago, GWO-PR-S has an improved debt to assets ratio.
2.2 Solvency
GWO-PR-S has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as GWO-PR-S would need 2.17 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.17, GWO-PR-S is in line with its industry, outperforming 42.50% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-S is not too dependend on debt financing.
The Debt to Equity ratio of GWO-PR-S (0.28) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.21 indicates that GWO-PR-S may have some problems paying its short term obligations.
With a decent Current ratio value of 0.21, GWO-PR-S is doing good in the industry, outperforming 70.00% of the companies in the same industry.
A Quick Ratio of 0.21 indicates that GWO-PR-S may have some problems paying its short term obligations.
GWO-PR-S has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-S outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-S shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.86%, which is quite good.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
Looking at the last year, GWO-PR-S shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
GWO-PR-S shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.19% yearly.
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
3.2 Future
The Earnings Per Share is expected to grow by 3.33% on average over the next years.
GWO-PR-S is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.26% yearly.
EPS Next Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.33%
Revenue Next Year-43.12%
Revenue Next 2Y-23.56%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.26%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.07, which indicates a rather cheap valuation of GWO-PR-S.
GWO-PR-S's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.03. GWO-PR-S is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 4.62, the valuation of GWO-PR-S can be described as very cheap.
GWO-PR-S's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of GWO-PR-S to the average of the S&P500 Index (22.63), we can say GWO-PR-S is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.07 | ||
| Fwd PE | 4.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-S is valued a bit more expensive than 77.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-S's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)0.57
EPS Next 2Y6.51%
EPS Next 3Y6.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.51%, GWO-PR-S is a good candidate for dividend investing.
GWO-PR-S's Dividend Yield is a higher than the industry average which is at 3.93.
GWO-PR-S's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
5.2 History
The dividend of GWO-PR-S has a limited annual growth rate of 5.95%.
GWO-PR-S has been paying a dividend for at least 10 years, so it has a reliable track record.
GWO-PR-S 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
61.63% of the earnings are spent on dividend by GWO-PR-S. This is not a sustainable payout ratio.
The dividend of GWO-PR-S is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
GREAT-WEST LIFECO INC - GWOCN 5 1/4 PERP
TSX:GWO-PR-S (9/4/2025, 7:00:00 PM)
23.73
+0.2 (+0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.18%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap21.94B
Analysts68.33
Price Target24.36 (2.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.43%
Min EPS beat(2)-5.18%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)1.98%
Min EPS beat(4)-5.18%
Max EPS beat(4)4.6%
EPS beat(8)7
Avg EPS beat(8)3.18%
EPS beat(12)9
Avg EPS beat(12)2.67%
EPS beat(16)12
Avg EPS beat(16)3.15%
Revenue beat(2)2
Avg Revenue beat(2)65.64%
Min Revenue beat(2)64.71%
Max Revenue beat(2)66.56%
Revenue beat(4)3
Avg Revenue beat(4)25.28%
Min Revenue beat(4)-32.89%
Max Revenue beat(4)66.56%
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)-1.05%
PT rev (3m)2.24%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)1.38%
EPS NY rev (1m)-2.31%
EPS NY rev (3m)-2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-43.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.07 | ||
| Fwd PE | 4.62 | ||
| P/S | 0.63 | ||
| P/FCF | 5.12 | ||
| P/OCF | 5.12 | ||
| P/B | 0.67 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.72%
EPS(NY)5.14
Fwd EY21.66%
FCF(TTM)4.63
FCFY19.51%
OCF(TTM)4.63
OCFY19.51%
SpS37.46
BVpS35.3
TBVpS17.9
PEG (NY)0.88
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.43% | ||
| ROCE | 0.63% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.46% | ||
| ROICexgc | 1.54% | ||
| OM | 14.86% | ||
| PM (TTM) | 10.77% | ||
| GM | N/A | ||
| FCFM | 12.36% |
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%
ROICexcg growth 3Y2.54%
ROICexcg 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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 11.75 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.8% | ||
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 | ||
| 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)138.5%
Profit Quality(5y)214.73%
High Growth Momentum
Growth
EPS 1Y (TTM)9.86%
EPS 3Y8.87%
EPS 5Y8.95%
EPS Q2Q%11.71%
EPS Next Y5.76%
EPS Next 2Y6.51%
EPS Next 3Y6.47%
EPS Next 5Y3.33%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-43.12%
Revenue Next 2Y-23.56%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.26%
EBIT growth 1Y3.17%
EBIT growth 3Y9.62%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y59.68%
FCF growth 3Y-22.92%
FCF growth 5Y-4.91%
OCF growth 1Y59.68%
OCF growth 3Y-22.92%
OCF growth 5Y-4.91%