GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-Y - CA39138C6927
20.99 CAD
-0.19 (-0.9%)
Taking everything into account, GWO-PR-Y scores 5 out of 10 in our fundamental rating. GWO-PR-Y was compared to 81 industry peers in the Insurance industry. GWO-PR-Y has an average financial health and profitability rating. GWO-PR-Y has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GWO-PR-Y had positive earnings in the past year.
GWO-PR-Y had a positive operating cash flow in the past year.
In the past 5 years GWO-PR-Y has always been profitable.
Each year in the past 5 years GWO-PR-Y had a positive operating cash flow.
1.2 Ratios
GWO-PR-Y's Return On Assets of 0.47% is in line compared to the rest of the industry. GWO-PR-Y outperforms 44.44% of its industry peers.
The Return On Equity of GWO-PR-Y (12.15%) is better than 62.96% of its industry peers.
GWO-PR-Y has a Return On Invested Capital (0.46%) which is in line with its industry peers.
GWO-PR-Y had an Average Return On Invested Capital over the past 3 years of 0.46%. This is below the industry average of 2.53%.
The last Return On Invested Capital (0.46%) for GWO-PR-Y 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
With a decent Profit Margin value of 12.02%, GWO-PR-Y is doing good in the industry, outperforming 79.01% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO-PR-Y has grown nicely.
GWO-PR-Y has a Operating Margin of 16.34%. This is comparable to the rest of the industry: GWO-PR-Y outperforms 55.56% of its industry peers.
GWO-PR-Y'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
GWO-PR-Y has about the same amout of shares outstanding than it did 1 year ago.
GWO-PR-Y has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GWO-PR-Y has an improved debt to assets ratio.
2.2 Solvency
GWO-PR-Y has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.
The Debt to FCF ratio of GWO-PR-Y (1.74) is better than 62.96% of its industry peers.
GWO-PR-Y has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.26, GWO-PR-Y is doing good in the industry, outperforming 74.07% 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
GWO-PR-Y has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-Y is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-Y's Current ratio of 0.21 is amongst the best of the industry. GWO-PR-Y outperforms 80.25% of its industry peers.
A Quick Ratio of 0.21 indicates that GWO-PR-Y may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.21, GWO-PR-Y belongs to the top of the industry, outperforming 80.25% 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-Y shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.19%, which is quite good.
The Earnings Per Share has been growing by 8.95% on average over the past years. This is quite good.
GWO-PR-Y shows a decrease in Revenue. In the last year, the revenue decreased by -7.48%.
GWO-PR-Y shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.19% yearly.
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
GWO-PR-Y is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
GWO-PR-Y is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.76% 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-7.76%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 4.31, which indicates a rather cheap valuation of GWO-PR-Y.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-Y indicates a somewhat cheap valuation: GWO-PR-Y is cheaper than 74.07% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GWO-PR-Y to the average of the S&P500 Index (26.37), we can say GWO-PR-Y is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.01, the valuation of GWO-PR-Y can be described as very cheap.
Based on the Price/Forward Earnings ratio, GWO-PR-Y is valued a bit cheaper than 75.31% of the companies in the same industry.
GWO-PR-Y is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.31 | ||
| Fwd PE | 4.01 |
4.2 Price Multiples
GWO-PR-Y's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GWO-PR-Y's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GWO-PR-Y has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.64
PEG (5Y)0.48
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-Y has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
GWO-PR-Y's Dividend Yield is slightly below the industry average, which is at 4.32.
GWO-PR-Y's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
The dividend of GWO-PR-Y has a limited annual growth rate of 5.95%.
GWO-PR-Y has been paying a dividend for over 5 years, so it has already some track record.
GWO-PR-Y has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.95%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
GWO-PR-Y pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
GWO-PR-Y's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP
TSX:GWO-PR-Y (12/3/2025, 7:00:00 PM)
20.99
-0.19 (-0.9%)
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 Cap19.19B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target22.1 (5.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)3.32%
PT rev (3m)2.76%
EPS NQ rev (1m)2.8%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)0.63%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-72.36%
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)-88.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.31 | ||
| Fwd PE | 4.01 | ||
| P/S | 0.57 | ||
| P/FCF | 3.82 | ||
| P/OCF | 3.82 | ||
| P/B | 0.58 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY23.2%
EPS(NY)5.24
Fwd EY24.94%
FCF(TTM)5.49
FCFY26.17%
OCF(TTM)5.49
OCFY26.17%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.64
PEG (5Y)0.48
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 Y6.71%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
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-93.69%
Revenue Next 2Y-72.77%
Revenue Next 3Y-53.67%
Revenue Next 5Y-7.76%
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 4 1/2 PERP / GWO-PR-Y.CA FAQ
What is the fundamental rating for GWO-PR-Y stock?
ChartMill assigns a fundamental rating of 5 / 10 to GWO-PR-Y.CA.
What is the valuation status of GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?
GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for GWO-PR-Y stock?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) is 4.31 and the Price/Book (PB) ratio is 0.58.
What is the earnings growth outlook for GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) is expected to grow by 6.71% in the next year.