GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-T - CA39138C7263
23.81 CAD
+0.13 (+0.55%)
GWO-PR-T gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. GWO-PR-T has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-T has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-T was profitable.
In the past year GWO-PR-T had a positive cash flow from operations.
Each year in the past 5 years GWO-PR-T has been profitable.
GWO-PR-T had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.46%, GWO-PR-T is doing worse than 61.25% of the companies in the same industry.
GWO-PR-T has a Return On Equity of 11.43%. This is comparable to the rest of the industry: GWO-PR-T outperforms 46.25% of its industry peers.
GWO-PR-T has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO-PR-T outperforms 47.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO-PR-T is below the industry average of 2.46%.
| 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
The Profit Margin of GWO-PR-T (10.77%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of GWO-PR-T has grown nicely.
The Operating Margin of GWO-PR-T (14.86%) is worse than 76.25% of its industry peers.
In the last couple of years the Operating Margin of GWO-PR-T 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-T has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GWO-PR-T has been increased compared to 5 years ago.
The debt/assets ratio for GWO-PR-T has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-T is 2.17, which is a good value as it means it would take GWO-PR-T, 2.17 years of fcf income to pay off all of its debts.
GWO-PR-T has a Debt to FCF ratio of 2.17. This is comparable to the rest of the industry: GWO-PR-T outperforms 56.25% of its industry peers.
GWO-PR-T has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-T has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: GWO-PR-T outperforms 56.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GWO-PR-T has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-T is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GWO-PR-T (0.21) is better than 71.25% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-T may have some problems paying its short term obligations.
GWO-PR-T has a Quick ratio of 0.21. This is in the better half of the industry: GWO-PR-T outperforms 71.25% 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 9.86% over the past year.
Measured over the past years, GWO-PR-T 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-T shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
The Revenue has been decreasing by -6.19% on average over the past years.
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
Based on estimates for the next years, GWO-PR-T will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
GWO-PR-T is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.91% yearly.
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.
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 5.09, which indicates a rather cheap valuation of GWO-PR-T.
Based on the Price/Earnings ratio, GWO-PR-T is valued a bit cheaper than 63.75% of the companies in the same industry.
GWO-PR-T's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
A Price/Forward Earnings ratio of 4.55 indicates a rather cheap valuation of GWO-PR-T.
61.25% of the companies in the same industry are more expensive than GWO-PR-T, based on the Price/Forward Earnings ratio.
GWO-PR-T's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.09 | ||
| Fwd PE | 4.55 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-T indicates a slightly more expensive valuation: GWO-PR-T is more expensive than 68.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.76
PEG (5Y)0.57
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.44%, GWO-PR-T is a good candidate for dividend investing.
GWO-PR-T's Dividend Yield is comparable with the industry average which is at 4.58.
Compared to an average S&P500 Dividend Yield of 2.44, GWO-PR-T pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
5.2 History
The dividend of GWO-PR-T has a limited annual growth rate of 5.95%.
GWO-PR-T has been paying a dividend for over 5 years, so it has already some track record.
GWO-PR-T 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-T. This is not a sustainable payout ratio.
GWO-PR-T's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP
TSX:GWO-PR-T (11/18/2025, 7:00:00 PM)
23.81
+0.13 (+0.55%)
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 Cap22.00B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.5
Price Target24.75 (3.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
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)1.74%
PT rev (3m)0.86%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0.63%
EPS NY rev (3m)-1.44%
Revenue NQ rev (1m)-72.52%
Revenue NQ rev (3m)-72.52%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.09 | ||
| Fwd PE | 4.55 | ||
| P/S | 0.64 | ||
| P/FCF | 5.14 | ||
| P/OCF | 5.14 | ||
| P/B | 0.67 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY19.66%
EPS(NY)5.24
Fwd EY21.99%
FCF(TTM)4.63
FCFY19.46%
OCF(TTM)4.63
OCFY19.46%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.76
PEG (5Y)0.57
Graham Number60.98
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%
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-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 Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
EPS Next 5Y3.72%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.91%
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%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP / GWO-PR-T.CA FAQ
What is the fundamental rating for GWO-PR-T stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-T.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-T.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-T.CA) has a profitability rating of 4 / 10.
What is the valuation of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) is 5.09 and the Price/Book (PB) ratio is 0.67.
Can you provide the expected EPS growth for GWO-PR-T stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) is expected to grow by 6.71% in the next year.