GREAT-WEST LIFECO INC - GWOCN 5.15 PERP (GWO-PR-T.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-T - CA39138C7263
23.58 CAD
-0.06 (-0.25%)
GWO-PR-T gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. GWO-PR-T has an average financial health and profitability rating. GWO-PR-T has a valuation in line with the averages, but it does not seem to be growing.
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.
In the past 5 years GWO-PR-T has always been profitable.
Each year in the past 5 years GWO-PR-T had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.47%, GWO-PR-T perfoms like the industry average, outperforming 41.98% of the companies in the same industry.
GWO-PR-T has a Return On Equity of 12.15%. This is comparable to the rest of the industry: GWO-PR-T outperforms 58.02% of its industry peers.
GWO-PR-T has a Return On Invested Capital (0.46%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for GWO-PR-T is below the industry average of 2.99%.
The last Return On Invested Capital (0.46%) for GWO-PR-T is above the 3 year average (0.46%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
GWO-PR-T has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-T outperforms 74.07% of its industry peers.
GWO-PR-T's Profit Margin has improved in the last couple of years.
GWO-PR-T's Operating Margin of 16.34% is in line compared to the rest of the industry. GWO-PR-T outperforms 48.15% of its industry peers.
GWO-PR-T's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The number of shares outstanding for GWO-PR-T remains at a similar level compared to 1 year ago.
GWO-PR-T has more shares outstanding than it did 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 1.74, which is an excellent value as it means it would take GWO-PR-T, only 1.74 years of fcf income to pay off all of its debts.
GWO-PR-T has a Debt to FCF ratio (1.74) which is in line with its industry peers.
GWO-PR-T has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.26, GWO-PR-T is in the better half of the industry, outperforming 69.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.21 indicates that GWO-PR-T may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.21, GWO-PR-T is in the better half of the industry, outperforming 75.31% of the companies in the same industry.
GWO-PR-T has a Quick 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.
With a decent Quick ratio value of 0.21, GWO-PR-T is doing good in the industry, outperforming 75.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO-PR-T shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.19%, which is quite good.
GWO-PR-T shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
GWO-PR-T shows a decrease in Revenue. In the last year, the revenue decreased by -7.48%.
The Revenue has been decreasing by -6.19% on average over the past years.
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.
The Revenue is expected to decrease by -8.23% on average over the next years.
EPS Next Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
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
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
Based on the Price/Earnings ratio of 4.84, the valuation of GWO-PR-T can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-T indicates a somewhat cheap valuation: GWO-PR-T is cheaper than 65.43% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.25. GWO-PR-T is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 4.37, the valuation of GWO-PR-T can be described as very cheap.
GWO-PR-T's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GWO-PR-T is cheaper than 62.96% of the companies in the same industry.
GWO-PR-T's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.84 | ||
| Fwd PE | 4.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO-PR-T is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.29 | ||
| 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)0.46
PEG (5Y)0.54
EPS Next 2Y9.17%
EPS Next 3Y8.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.61%, GWO-PR-T is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, GWO-PR-T pays a better dividend. On top of this GWO-PR-T pays more dividend than 93.83% of the companies listed in the same industry.
GWO-PR-T's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
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
58.22% of the earnings are spent on dividend by GWO-PR-T. This is a bit on the high side, but may be sustainable.
The dividend of GWO-PR-T is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
GREAT-WEST LIFECO INC - GWOCN 5.15 PERP
TSX:GWO-PR-T (1/9/2026, 7:00:00 PM)
23.58
-0.06 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap21.56B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target22.76 (-3.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years4
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)-7.63%
PT rev (3m)-6.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.81%
EPS NY rev (1m)0%
EPS NY rev (3m)4.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-71.57%
Revenue NY rev (1m)-27.87%
Revenue NY rev (3m)345.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.84 | ||
| Fwd PE | 4.37 | ||
| P/S | 0.64 | ||
| P/FCF | 4.29 | ||
| P/OCF | 4.29 | ||
| P/B | 0.65 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY20.65%
EPS(NY)5.4
Fwd EY22.9%
FCF(TTM)5.49
FCFY23.29%
OCF(TTM)5.49
OCFY23.29%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.46
PEG (5Y)0.54
Graham Number63.02
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
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 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.
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 6 / 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 5 / 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 58.22%.