GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO-PR-Z - CA39138C6844
25.5 CAD
0 (0%)
GWO-PR-Z gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. GWO-PR-Z has only an average score on both its financial health and profitability. GWO-PR-Z 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-Z was profitable.
GWO-PR-Z had a positive operating cash flow in the past year.
Each year in the past 5 years GWO-PR-Z has been profitable.
GWO-PR-Z 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 0.47%, GWO-PR-Z is doing worse than 66.67% of the companies in the same industry.
GWO-PR-Z has a Return On Equity (12.15%) which is comparable to the rest of the industry.
The Return On Invested Capital of GWO-PR-Z (0.46%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for GWO-PR-Z is below the industry average of 2.53%.
The 3 year average ROIC (0.46%) for GWO-PR-Z is below the current ROIC(0.46%), indicating increased profibility in the last year.
| 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-Z has a Profit Margin of 12.02%. This is in the better half of the industry: GWO-PR-Z outperforms 67.90% of its industry peers.
In the last couple of years the Profit Margin of GWO-PR-Z has grown nicely.
GWO-PR-Z has a Operating Margin (16.34%) which is comparable to the rest of the industry.
GWO-PR-Z'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-Z has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GWO-PR-Z has more shares outstanding
GWO-PR-Z has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-Z is 1.74, which is an excellent value as it means it would take GWO-PR-Z, only 1.74 years of fcf income to pay off all of its debts.
GWO-PR-Z has a Debt to FCF ratio of 1.74. This is comparable to the rest of the industry: GWO-PR-Z outperforms 51.85% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that GWO-PR-Z is not too dependend on debt financing.
GWO-PR-Z has a better Debt to Equity ratio (0.26) than 62.96% of its industry peers.
| 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-Z has a Current Ratio of 0.21. This is a bad value and indicates that GWO-PR-Z is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO-PR-Z has a better Current ratio (0.21) than 69.14% of its industry peers.
GWO-PR-Z has a Quick Ratio of 0.21. This is a bad value and indicates that GWO-PR-Z is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.21, GWO-PR-Z is in the better half of the industry, outperforming 69.14% 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 11.19% over the past year.
GWO-PR-Z 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-Z 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%-45.54%
3.2 Future
Based on estimates for the next years, GWO-PR-Z will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
Based on estimates for the next years, GWO-PR-Z will show a decrease in Revenue. The Revenue will decrease by -7.76% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 5.24, which indicates a rather cheap valuation of GWO-PR-Z.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-Z is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.11. GWO-PR-Z is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 4.87, the valuation of GWO-PR-Z can be described as very cheap.
GWO-PR-Z's Price/Forward Earnings is on the same level as the industry average.
GWO-PR-Z's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.24 | ||
| Fwd PE | 4.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO-PR-Z is valued a bit more expensive than 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.64 | ||
| 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)0.78
PEG (5Y)0.59
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO-PR-Z has a Yearly Dividend Yield of 2.41%.
With a Dividend Yield of 2.41, GWO-PR-Z pays less dividend than the industry average, which is at 4.32. 83.95% of the companies listed in the same industry pay a better dividend than GWO-PR-Z!
Compared to an average S&P500 Dividend Yield of 2.32, GWO-PR-Z has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
The dividend of GWO-PR-Z has a limited annual growth rate of 5.95%.
GWO-PR-Z does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)5.95%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
GWO-PR-Z pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
GWO-PR-Z'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 5.7 PERP
TSX:GWO-PR-Z (11/27/2025, 7:00:00 PM)
25.5
0 (0%)
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 Cap23.32B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target26.62 (4.39%)
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 YearsN/A
Div Non Decr YearsN/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)0.78%
PT rev (3m)N/A
EPS NQ rev (1m)2.8%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.63%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)18.32%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.24 | ||
| Fwd PE | 4.87 | ||
| P/S | 0.7 | ||
| P/FCF | 4.64 | ||
| P/OCF | 4.64 | ||
| P/B | 0.7 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY19.1%
EPS(NY)5.24
Fwd EY20.53%
FCF(TTM)5.49
FCFY21.54%
OCF(TTM)5.49
OCFY21.54%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)0.78
PEG (5Y)0.59
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%-45.54%
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 5.7 PERP / GWO-PR-Z.CA FAQ
What is the ChartMill fundamental rating of GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to GWO-PR-Z.CA.
What is the valuation status for GWO-PR-Z stock?
ChartMill assigns a valuation rating of 5 / 10 to GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA). This can be considered as Fairly Valued.
What is the profitability of GWO-PR-Z stock?
GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) has a profitability rating of 5 / 10.
What is the valuation of GREAT-WEST LIFECO INC - GWOCN 5.7 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) is 5.24 and the Price/Book (PB) ratio is 0.7.
Can you provide the dividend sustainability for GWO-PR-Z stock?
The dividend rating of GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) is 2 / 10 and the dividend payout ratio is 58.22%.