GREAT-WEST LIFECO INC - GWOCN 5.7 PERP (GWO-PR-Z.CA) Stock Fundamental Analysis
Canada - TSX:GWO-PR-Z -
25.6 CAD
+0.05 (+0.2%)
GWO-PR-Z gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. GWO-PR-Z has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO-PR-Z has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year GWO-PR-Z was profitable.
In the past year GWO-PR-Z had a positive cash flow from operations.
GWO-PR-Z had positive earnings in each of the past 5 years.
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 0.46%, GWO-PR-Z is doing worse than 66.25% of the companies in the same industry.
GWO-PR-Z has a Return On Equity of 11.43%. This is comparable to the rest of the industry: GWO-PR-Z outperforms 43.75% of its industry peers.
GWO-PR-Z 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-Z is in line with the industry average of 2.18%.
| 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
Looking at the Profit Margin, with a value of 10.77%, GWO-PR-Z is in the better half of the industry, outperforming 61.25% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO-PR-Z has grown nicely.
Looking at the Operating Margin, with a value of 14.86%, GWO-PR-Z is doing worse than 81.25% of the companies in the same industry.
In the last couple of years the Operating Margin of GWO-PR-Z 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-Z has about the same amount of shares outstanding.
Compared to 5 years ago, GWO-PR-Z has more shares outstanding
The debt/assets ratio for GWO-PR-Z has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GWO-PR-Z is 2.17, which is a good value as it means it would take GWO-PR-Z, 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-Z is doing worse than 60.00% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that GWO-PR-Z is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.28, GWO-PR-Z perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
| 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-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 Current ratio of 0.21. This is in the better half of the industry: GWO-PR-Z outperforms 66.25% 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.
GWO-PR-Z has a better Quick ratio (0.21) than 66.25% of its industry peers.
| 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.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.22%.
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%10.55%
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 3.58% on average per year.
The Revenue is expected to decrease by -8.04% on average over the next years.
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
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
With a Price/Earnings ratio of 5.47, the valuation of GWO-PR-Z can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GWO-PR-Z is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.40, GWO-PR-Z is valued rather cheaply.
GWO-PR-Z is valuated cheaply with a Price/Forward Earnings ratio of 4.97.
GWO-PR-Z's Price/Forward Earnings ratio is in line with the industry average.
GWO-PR-Z is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.47 | ||
| Fwd PE | 4.97 |
4.2 Price Multiples
GWO-PR-Z's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO-PR-Z is more expensive than 78.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.53 | ||
| 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)0.9
PEG (5Y)0.61
EPS Next 2Y6.62%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
GWO-PR-Z has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.88, GWO-PR-Z's dividend is way lower than its industry peers. On top of this 86.25% 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 2.36, GWO-PR-Z has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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
61.63% of the earnings are spent on dividend by GWO-PR-Z. This is not a sustainable payout ratio.
The dividend of GWO-PR-Z is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.63%
EPS Next 2Y6.62%
EPS Next 3Y6.95%
GREAT-WEST LIFECO INC - GWOCN 5.7 PERP
TSX:GWO-PR-Z (10/16/2025, 7:00:00 PM)
25.6
+0.05 (+0.2%)
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 Cap23.65B
Analysts72.86
Price Target26.41 (3.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP61.63%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.47 | ||
| Fwd PE | 4.97 | ||
| P/S | 0.68 | ||
| P/FCF | 5.53 | ||
| P/OCF | 5.53 | ||
| P/B | 0.72 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.68
EY18.28%
EPS(NY)5.15
Fwd EY20.11%
FCF(TTM)4.63
FCFY18.1%
OCF(TTM)4.63
OCFY18.1%
SpS37.48
BVpS35.32
TBVpS17.91
PEG (NY)0.9
PEG (5Y)0.61
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%
ROICexcg growth 3Y2.54%
ROICexcg 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%10.55%
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%