GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) Stock Fundamental Analysis

TSX:GWO-PR-T • CA39138C7263

23.93 CAD
+0.07 (+0.29%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to GWO-PR-T. GWO-PR-T was compared to 79 industry peers in the Insurance industry. GWO-PR-T has an average financial health and profitability rating. GWO-PR-T is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year GWO-PR-T was profitable.
  • GWO-PR-T had a positive operating cash flow in the past year.
  • GWO-PR-T had positive earnings in each of the past 5 years.
  • In the past 5 years GWO-PR-T always reported a positive cash flow from operatings.
GWO-PR-T.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO-PR-T.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

  • GWO-PR-T has a Return On Assets of 0.46%. This is in the lower half of the industry: GWO-PR-T underperforms 69.62% of its industry peers.
  • GWO-PR-T has a Return On Equity (12.02%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of GWO-PR-T (0.55%) is comparable to the rest of the industry.
  • GWO-PR-T had an Average Return On Invested Capital over the past 3 years of 0.54%. This is below the industry average of 3.06%.
  • The last Return On Invested Capital (0.55%) for GWO-PR-T is above the 3 year average (0.54%), which is a sign of increasing profitability.
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-T.CA Yearly ROA, ROE, ROICGWO-PR-T.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

  • Looking at the Profit Margin, with a value of 11.13%, GWO-PR-T is in line with its industry, outperforming 51.90% of the companies in the same industry.
  • In the last couple of years the Profit Margin of GWO-PR-T has grown nicely.
  • GWO-PR-T has a Operating Margin of 15.31%. This is in the lower half of the industry: GWO-PR-T underperforms 65.82% of its industry peers.
  • GWO-PR-T'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-T.CA Yearly Profit, Operating, Gross MarginsGWO-PR-T.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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4

2. Health

2.1 Basic Checks

  • The number of shares outstanding for GWO-PR-T has been reduced compared to 1 year ago.
  • The number of shares outstanding for GWO-PR-T has been reduced compared to 5 years ago.
  • GWO-PR-T has a better debt/assets ratio than last year.
GWO-PR-T.CA Yearly Shares OutstandingGWO-PR-T.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
GWO-PR-T.CA Yearly Total Debt VS Total AssetsGWO-PR-T.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

  • The Debt to FCF ratio of GWO-PR-T is 3.25, which is a good value as it means it would take GWO-PR-T, 3.25 years of fcf income to pay off all of its debts.
  • GWO-PR-T's Debt to FCF ratio of 3.25 is in line compared to the rest of the industry. GWO-PR-T outperforms 40.51% of its industry peers.
  • GWO-PR-T has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • GWO-PR-T has a Debt to Equity ratio of 0.27. This is in the better half of the industry: GWO-PR-T outperforms 62.03% 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-T.CA Yearly LT Debt VS Equity VS FCFGWO-PR-T.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

  • A Current Ratio of 0.20 indicates that GWO-PR-T may have some problems paying its short term obligations.
  • GWO-PR-T has a better Current ratio (0.20) than 65.82% of its industry peers.
  • GWO-PR-T has a Quick Ratio of 0.20. 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.
  • With a decent Quick ratio value of 0.20, GWO-PR-T is doing good in the industry, outperforming 65.82% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
GWO-PR-T.CA Yearly Current Assets VS Current LiabilitesGWO-PR-T.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

  • GWO-PR-T shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.34%.
  • The Earnings Per Share has been growing slightly by 6.11% on average over the past years.
  • Looking at the last year, GWO-PR-T shows a quite strong growth in Revenue. The Revenue has grown by 10.29% in the last year.
  • GWO-PR-T shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -10.00% yearly.
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.
  • The Revenue is expected to grow by 29.03% on average over the next years. This is a very strong growth
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GWO-PR-T.CA Yearly Revenue VS EstimatesGWO-PR-T.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-T.CA Yearly EPS VS EstimatesGWO-PR-T.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

  • A Price/Earnings ratio of 5.60 indicates a rather cheap valuation of GWO-PR-T.
  • GWO-PR-T's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, GWO-PR-T is valued rather cheaply.
  • The Price/Forward Earnings ratio is 4.43, which indicates a rather cheap valuation of GWO-PR-T.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GWO-PR-T is on the same level as its industry peers.
  • GWO-PR-T's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.75.
Industry RankSector Rank
PE 5.6
Fwd PE 4.43
GWO-PR-T.CA Price Earnings VS Forward Price EarningsGWO-PR-T.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GWO-PR-T is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 7.99
EV/EBITDA N/A
GWO-PR-T.CA Per share dataGWO-PR-T.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • GWO-PR-T's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.69
PEG (5Y)0.92
EPS Next 2Y8.24%
EPS Next 3Y-0.52%

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

6

5. Dividend

5.1 Amount

  • GWO-PR-T has a Yearly Dividend Yield of 4.20%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.24, GWO-PR-T has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, GWO-PR-T pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.2%

5.2 History

  • On average, the dividend of GWO-PR-T grows each year by 6.72%, which is quite nice.
  • GWO-PR-T has been paying a dividend for at least 10 years, so it has a reliable track record.
  • GWO-PR-T has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.72%
Div Incr Years0
Div Non Decr Years4
GWO-PR-T.CA Yearly Dividends per shareGWO-PR-T.CA Yearly Dividends per shareYearly Dividends per share 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-T. This is not a sustainable payout ratio.
  • The dividend of GWO-PR-T 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-T.CA Yearly Income VS Free CF VS DividendGWO-PR-T.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-T.CA Dividend Payout.GWO-PR-T.CA Dividend Payout, showing the Payout Ratio.GWO-PR-T.CA Dividend Payout.PayoutRetained Earnings

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GREAT-WEST LIFECO INC - GWOCN 5.15 PERP

TSX:GWO-PR-T (2/20/2026, 7:00:00 PM)

23.93

+0.07 (+0.29%)

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 Cap21.63B
Revenue(TTM)35.59B
Net Income(TTM)3.96B
Analysts72.5
Price Target22.76 (-4.89%)
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 Years4
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)0%
PT rev (3m)-8.03%
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 5.6
Fwd PE 4.43
P/S 0.61
P/FCF 7.99
P/OCF 7.99
P/B 0.66
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)4.27
EY17.84%
EPS(NY)5.41
Fwd EY22.6%
FCF(TTM)3
FCFY12.52%
OCF(TTM)3
OCFY12.52%
SpS39.37
BVpS36.44
TBVpS18.52
PEG (NY)0.69
PEG (5Y)0.92
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 5.15 PERP / GWO-PR-T.CA FAQ

What is the fundamental rating for GWO-PR-T stock?

ChartMill assigns a fundamental rating of 5 / 10 to GWO-PR-T.CA.


What is the valuation status of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) stock?

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.


Can you provide the financial health for GWO-PR-T stock?

The financial health rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) is 4 / 10.


How sustainable is the dividend of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) stock?

The dividend rating of GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) is 6 / 10 and the dividend payout ratio is 60.93%.