GREAT-WEST LIFECO INC (GWO.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GWO - CA39138C1068 - Common Stock
67.69 CAD
-0.17 (-0.25%)
Overall GWO gets a fundamental rating of 4 out of 10. We evaluated GWO against 79 industry peers in the Insurance industry. While GWO is still in line with the averages on profitability rating, there are concerns on its financial health. GWO has a expensive valuation and it also scores bad on growth. GWO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GWO was profitable.
In the past year GWO had a positive cash flow from operations.
In the past 5 years GWO has always been profitable.
GWO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.47%, GWO is not doing good in the industry: 69.62% of the companies in the same industry are doing better.
GWO has a Return On Equity of 12.15%. This is comparable to the rest of the industry: GWO outperforms 45.57% of its industry peers.
GWO has a Return On Invested Capital of 0.46%. This is comparable to the rest of the industry: GWO outperforms 40.51% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GWO is below the industry average of 3.14%.
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
GWO's Profit Margin of 12.02% is fine compared to the rest of the industry. GWO outperforms 64.56% of its industry peers.
In the last couple of years the Profit Margin of GWO has grown nicely.
The Operating Margin of GWO (16.34%) is worse than 60.76% of its industry peers.
GWO'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 has about the same amout of shares outstanding than it did 1 year ago.
GWO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GWO has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GWO is 1.74, which is an excellent value as it means it would take GWO, only 1.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.74, GWO is in line with its industry, outperforming 48.10% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that GWO is not too dependend on debt financing.
GWO has a Debt to Equity ratio (0.26) which is comparable to the rest of the 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.
GWO's Current ratio of 0.21 is fine compared to the rest of the industry. GWO outperforms 64.56% 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 has a Quick ratio of 0.21. This is in the better half of the industry: GWO outperforms 64.56% 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.
GWO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
Looking at the last year, GWO shows a decrease in Revenue. The Revenue has decreased by -7.48% in the last year.
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.
GWO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.76% yearly.
EPS Next Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
EPS Next 5Y3.72%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
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.
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 13.90 indicates a correct valuation of GWO.
GWO's Price/Earnings ratio is a bit more expensive when compared to the industry. GWO is more expensive than 73.42% of the companies in the same industry.
GWO is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.54, the valuation of GWO can be described as correct.
Based on the Price/Forward Earnings ratio, GWO is valued a bit more expensive than 65.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, GWO is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 12.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GWO is valued a bit more expensive than 67.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.33
PEG (5Y)1.55
EPS Next 2Y9.17%
EPS Next 3Y8.88%
5. Dividend
5.1 Amount
GWO has a Yearly Dividend Yield of 5.36%, which is a nice return.
Compared to an average industry Dividend Yield of 4.35, GWO has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, GWO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.36% |
5.2 History
The dividend of GWO has a limited annual growth rate of 5.95%.
GWO has been paying a dividend for at least 10 years, so it has 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.
GWO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.22%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
TSX:GWO (12/31/2025, 7:00:00 PM)
67.69
-0.17 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.69%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap61.90B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target65.84 (-2.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.36% |
Yearly Dividend2.36
Dividend Growth(5Y)5.95%
DP58.22%
Div Incr Years10
Div Non Decr Years33
Ex-DateN/A
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)0.57%
PT rev (3m)15.03%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)6.07%
EPS NY rev (1m)3.48%
EPS NY rev (3m)4.13%
Revenue NQ rev (1m)2.87%
Revenue NQ rev (3m)-71.57%
Revenue NY rev (1m)276.43%
Revenue NY rev (3m)345.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 12.54 | ||
| P/S | 1.85 | ||
| P/FCF | 12.32 | ||
| P/OCF | 12.32 | ||
| P/B | 1.87 | ||
| P/tB | 3.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.87
EY7.19%
EPS(NY)5.4
Fwd EY7.98%
FCF(TTM)5.49
FCFY8.11%
OCF(TTM)5.49
OCFY8.11%
SpS36.65
BVpS36.25
TBVpS18.46
PEG (NY)1.33
PEG (5Y)1.55
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 Y10.43%
EPS Next 2Y9.17%
EPS Next 3Y8.88%
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-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
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
Can you provide the ChartMill fundamental rating for GREAT-WEST LIFECO INC?
ChartMill assigns a fundamental rating of 4 / 10 to GWO.CA.
What is the valuation status of GREAT-WEST LIFECO INC (GWO.CA) 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.
Can you provide the PE and PB ratios for GWO stock?
The Price/Earnings (PE) ratio for GREAT-WEST LIFECO INC (GWO.CA) is 13.9 and the Price/Book (PB) ratio is 1.87.
What is the earnings growth outlook for GREAT-WEST LIFECO INC?
The Earnings per Share (EPS) of GREAT-WEST LIFECO INC (GWO.CA) is expected to grow by 10.43% in the next year.