GREAT-WEST LIFECO INC (GWO.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO - CA39138C1068 - Common Stock
63.13 CAD
+0.19 (+0.3%)
Overall GWO gets a fundamental rating of 3 out of 10. We evaluated GWO against 81 industry peers in the Insurance industry. GWO has a medium profitability rating, but doesn't score so well on its financial health evaluation. GWO does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
GWO had positive earnings in the past year.
GWO had a positive operating cash flow in the past year.
In the past 5 years GWO has always been profitable.
Each year in the past 5 years GWO had a positive operating cash flow.
1.2 Ratios
The Return On Assets of GWO (0.47%) is worse than 70.37% of its industry peers.
The Return On Equity of GWO (12.15%) is comparable to the rest of the industry.
The Return On Invested Capital of GWO (0.46%) is worse than 60.49% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GWO is below the industry average of 2.53%.
The 3 year average ROIC (0.46%) for GWO 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
Looking at the Profit Margin, with a value of 12.02%, GWO is in the better half of the industry, outperforming 64.20% of the companies in the same industry.
In the last couple of years the Profit Margin of GWO has grown nicely.
With a Operating Margin value of 16.34%, GWO perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
In the last couple of years the Operating Margin of GWO has grown nicely.
| 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 remains at a similar level compared to 1 year ago.
GWO has more shares outstanding than it did 5 years ago.
GWO has a better debt/assets ratio than last year.
2.2 Solvency
GWO 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.
GWO has a Debt to FCF ratio of 1.74. This is comparable to the rest of the industry: GWO outperforms 48.15% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that GWO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.26, GWO is in line with its industry, outperforming 59.26% 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 has a Current Ratio of 0.21. This is a bad value and indicates that GWO is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GWO (0.21) is better than 65.43% of its industry peers.
GWO has a Quick Ratio of 0.21. This is a bad value and indicates that GWO is not financially healthy enough and could expect problems in meeting its short term obligations.
GWO's Quick ratio of 0.21 is fine compared to the rest of the industry. GWO outperforms 65.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.21 | ||
| Quick Ratio | 0.21 |
3. Growth
3.1 Past
GWO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.19%, which is quite good.
Measured over the past years, GWO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.95% on average per year.
GWO shows a decrease in Revenue. In the last year, the revenue decreased by -7.48%.
GWO 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
Based on estimates for the next years, GWO 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 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
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
A Price/Earnings ratio of 12.96 indicates a correct valuation of GWO.
Compared to the rest of the industry, the Price/Earnings ratio of GWO indicates a rather expensive valuation: GWO more expensive than 91.36% of the companies listed in the same industry.
GWO is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.06 indicates a correct valuation of GWO.
66.67% of the companies in the same industry are cheaper than GWO, based on the Price/Forward Earnings ratio.
GWO is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.96 | ||
| Fwd PE | 12.06 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO indicates a rather expensive valuation: GWO more expensive than 85.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.93
PEG (5Y)1.45
EPS Next 2Y7.51%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
GWO has a Yearly Dividend Yield of 2.41%.
Compared to an average industry Dividend Yield of 4.32, GWO's dividend is way lower than its industry peers. On top of this 87.65% of the companies listed in the same industry pay a better dividend than GWO!
GWO'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 has a limited annual growth rate of 5.95%.
GWO has paid a dividend for at least 10 years, which is a reliable track record.
GWO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.95%
Div Incr Years10
Div Non Decr Years33
5.3 Sustainability
GWO pays out 58.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of GWO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y7.51%
EPS Next 3Y7.75%
TSX:GWO (12/4/2025, 7:00:00 PM)
63.13
+0.19 (+0.3%)
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 Cap57.73B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target65.47 (3.71%)
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 Years10
Div Non Decr Years33
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)13%
PT rev (3m)14.61%
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 | 12.96 | ||
| Fwd PE | 12.06 | ||
| P/S | 1.72 | ||
| P/FCF | 11.49 | ||
| P/OCF | 11.49 | ||
| P/B | 1.74 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY7.71%
EPS(NY)5.24
Fwd EY8.29%
FCF(TTM)5.49
FCFY8.7%
OCF(TTM)5.49
OCFY8.7%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)1.93
PEG (5Y)1.45
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 / GWO.CA FAQ
What is the fundamental rating for GWO stock?
ChartMill assigns a fundamental rating of 3 / 10 to GWO.CA.
What is the valuation status for GWO stock?
ChartMill assigns a valuation rating of 2 / 10 to GREAT-WEST LIFECO INC (GWO.CA). This can be considered as Overvalued.
What is the profitability of GWO stock?
GREAT-WEST LIFECO INC (GWO.CA) has a profitability rating of 5 / 10.
What is the valuation of GREAT-WEST LIFECO INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC (GWO.CA) is 12.96 and the Price/Book (PB) ratio is 1.74.
Can you provide the expected EPS growth for GWO stock?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC (GWO.CA) is expected to grow by 6.71% in the next year.