GREAT-WEST LIFECO INC (GWO.CA) Stock Fundamental Analysis

TSX:GWO • CA39138C1068

63.32 CAD
+0.17 (+0.27%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

GWO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 76 industry peers in the Insurance industry. There are concerns on the financial health of GWO while its profitability can be described as average. GWO has a expensive valuation and it also scores bad on growth. GWO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • GWO had positive earnings in the past year.
  • In the past year GWO had a positive cash flow from operations.
  • GWO had positive earnings in each of the past 5 years.
  • Each year in the past 5 years GWO had a positive operating cash flow.
GWO.CA Yearly Net Income VS EBIT VS OCF VS FCFGWO.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • GWO's Return On Assets of 0.47% is on the low side compared to the rest of the industry. GWO is outperformed by 69.74% of its industry peers.
  • GWO has a Return On Equity of 12.15%. This is comparable to the rest of the industry: GWO outperforms 46.05% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.46%, GWO is doing worse than 60.53% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GWO is below the industry average of 2.99%.
  • The last Return On Invested Capital (0.46%) for GWO is above the 3 year average (0.46%), which is a sign of increasing profitability.
Industry RankSector 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%
GWO.CA Yearly ROA, ROE, ROICGWO.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 12.02%, GWO is doing good in the industry, outperforming 61.84% of the companies in the same industry.
  • GWO's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 16.34%, GWO is not doing good in the industry: 64.47% of the companies in the same industry are doing better.
  • GWO's Operating Margin has improved in the last couple of years.
Industry RankSector 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
GWO.CA Yearly Profit, Operating, Gross MarginsGWO.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • GWO has a better debt/assets ratio than last year.
GWO.CA Yearly Shares OutstandingGWO.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GWO.CA Yearly Total Debt VS Total AssetsGWO.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

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.
  • GWO has a Debt to FCF ratio (1.74) which is comparable to the rest of the 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 RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.74
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GWO.CA Yearly LT Debt VS Equity VS FCFGWO.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 0.21 indicates that GWO may have some problems paying its short term obligations.
  • GWO has a better Current ratio (0.21) than 65.79% of its industry peers.
  • A Quick Ratio of 0.21 indicates that GWO may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.21, GWO is in the better half of the industry, outperforming 65.79% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
GWO.CA Yearly Current Assets VS Current LiabilitesGWO.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.19% over the past year.
  • GWO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.95% yearly.
  • GWO 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%66.19%

3.2 Future

  • GWO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
  • The Revenue is expected to decrease by -8.01% on average over the next years.
EPS Next Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
EPS Next 5Y3.72%
Revenue Next Year-76.24%
Revenue Next 2Y-50.4%
Revenue Next 3Y-36.35%
Revenue Next 5Y-8.01%

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.
GWO.CA Yearly Revenue VS EstimatesGWO.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
GWO.CA Yearly EPS VS EstimatesGWO.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.00, the valuation of GWO can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of GWO indicates a slightly more expensive valuation: GWO is more expensive than 75.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, GWO is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.71, which indicates a very decent valuation of GWO.
  • 67.11% 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 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13
Fwd PE 11.71
GWO.CA Price Earnings VS Forward Price EarningsGWO.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GWO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GWO is more expensive than 67.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.4
EV/EBITDA N/A
GWO.CA Per share dataGWO.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)1.25
PEG (5Y)1.45
EPS Next 2Y9.25%
EPS Next 3Y8.94%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • GWO has a Yearly Dividend Yield of 4.39%, which is a nice return.
  • GWO's Dividend Yield is comparable with the industry average which is at 3.93.
  • GWO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 4.39%

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
GWO.CA Yearly Dividends per shareGWO.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • 58.22% of the earnings are spent on dividend by GWO. 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 2Y9.25%
EPS Next 3Y8.94%
GWO.CA Yearly Income VS Free CF VS DividendGWO.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
GWO.CA Dividend Payout.GWO.CA Dividend Payout, showing the Payout Ratio.GWO.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

GREAT-WEST LIFECO INC

TSX:GWO (2/18/2026, 7:00:00 PM)

63.32

+0.17 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners9.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap57.24B
Revenue(TTM)33.51B
Net Income(TTM)4.03B
Analysts72.5
Price Target70.1 (10.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
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)6.48%
PT rev (3m)14.72%
EPS NQ rev (1m)0.75%
EPS NQ rev (3m)4.73%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)3.42%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)276.43%
Valuation
Industry RankSector Rank
PE 13
Fwd PE 11.71
P/S 1.71
P/FCF 11.4
P/OCF 11.4
P/B 1.73
P/tB 3.39
EV/EBITDA N/A
EPS(TTM)4.87
EY7.69%
EPS(NY)5.41
Fwd EY8.54%
FCF(TTM)5.56
FCFY8.78%
OCF(TTM)5.56
OCFY8.78%
SpS37.08
BVpS36.67
TBVpS18.68
PEG (NY)1.25
PEG (5Y)1.45
Graham Number63.39
Profitability
Industry RankSector 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 RankSector 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 Y10.36%
EPS Next 2Y9.25%
EPS Next 3Y8.94%
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-8.01%
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 3 / 10 to GWO.CA.


What is the valuation status of GREAT-WEST LIFECO INC (GWO.CA) stock?

ChartMill assigns a valuation rating of 3 / 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 4 / 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 and the Price/Book (PB) ratio is 1.73.


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 10.36% in the next year.