GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP (GWO-PR-Y.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-Y - CA39138C6927
21.37 CAD
+0.27 (+1.28%)
GWO-PR-Y gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. GWO-PR-Y has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-Y has a valuation in line with the averages, but on the other hand it scores bad on growth.
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 has a Return On Assets (0.46%) which is in line with its industry peers.
With a Return On Equity value of 11.43%, GWO-PR-Y perfoms like the industry average, outperforming 56.25% of the companies in the same industry.
With a Return On Invested Capital value of 0.46%, GWO-PR-Y perfoms like the industry average, outperforming 55.00% of the companies in the same industry.
GWO-PR-Y had an Average Return On Invested Capital over the past 3 years of 0.46%. This is in line with the industry average of 2.29%.
| 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-Y has a better Profit Margin (10.77%) than 73.75% of its industry peers.
GWO-PR-Y's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 14.86%, GWO-PR-Y is doing worse than 67.50% of the companies in the same industry.
In the last couple of years the Operating Margin of GWO-PR-Y 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
Compared to 1 year ago, GWO-PR-Y has about the same amount of shares outstanding.
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
The Debt to FCF ratio of GWO-PR-Y is 2.17, which is a good value as it means it would take GWO-PR-Y, 2.17 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.17, GWO-PR-Y is in line with its industry, outperforming 51.25% of the companies in the same industry.
GWO-PR-Y has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
GWO-PR-Y has a Debt to Equity ratio (0.28) which is in line with 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-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.
Looking at the Current ratio, with a value of 0.21, GWO-PR-Y is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
A Quick Ratio of 0.21 indicates that GWO-PR-Y may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.21, GWO-PR-Y is doing good in the industry, outperforming 80.00% of the companies in the same industry.
| 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-Y 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-Y 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
GWO-PR-Y is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.58% yearly.
Based on estimates for the next years, GWO-PR-Y will show a decrease in Revenue. The Revenue will decrease by -8.04% on average per year.
EPS Next Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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
Based on the Price/Earnings ratio of 4.57, the valuation of GWO-PR-Y can be described as very cheap.
73.75% of the companies in the same industry are more expensive than GWO-PR-Y, based on the Price/Earnings ratio.
GWO-PR-Y's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
The Price/Forward Earnings ratio is 4.15, which indicates a rather cheap valuation of GWO-PR-Y.
75.00% of the companies in the same industry are more expensive than GWO-PR-Y, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.87. GWO-PR-Y is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.57 | ||
| Fwd PE | 4.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-Y is valued a bit more expensive than the industry average as 67.50% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.61 | ||
| 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)0.51
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
GWO-PR-Y has a Yearly Dividend Yield of 2.46%.
Compared to an average industry Dividend Yield of 3.56, GWO-PR-Y is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, GWO-PR-Y has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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 61.63% of its income as dividend. This is not a sustainable payout ratio.
GWO-PR-Y's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 4 1/2 PERP
TSX:GWO-PR-Y (10/28/2025, 7:00:00 PM)
21.37
+0.27 (+1.28%)
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 Cap19.74B
Revenue(TTM)34.63B
Net Income(TTM)3.73B
Analysts72.86
Price Target21.39 (0.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr Years0
Div Non Decr Years3
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)-1.85%
PT rev (3m)-0.43%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-94.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.57 | ||
| Fwd PE | 4.15 | ||
| P/S | 0.57 | ||
| P/FCF | 4.61 | ||
| P/OCF | 4.61 | ||
| P/B | 0.61 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY21.9%
EPS(NY)5.15
Fwd EY24.1%
FCF(TTM)4.63
FCFY21.68%
OCF(TTM)4.63
OCFY21.68%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.76
PEG (5Y)0.51
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 Y6.05%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
EPS Next 5Y3.58%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-20.55%
Revenue growth 5Y-6.19%
Sales Q2Q%-0.34%
Revenue Next Year-94.66%
Revenue Next 2Y-76.06%
Revenue Next 3Y-15.5%
Revenue Next 5Y-8.04%
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 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 4 / 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 5 / 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 5 / 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 4.57 and the Price/Book (PB) ratio is 0.61.
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 6.05% in the next year.