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

TSX:GWO • CA39138C1068

Current stock price

64 CAD
+0.74 (+1.17%)
Last:

This GWO.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GWO.CA Profitability Analysis

1.1 Basic Checks

  • GWO had positive earnings in the past year.
  • GWO had a positive operating cash flow in the past year.
  • Each year in the past 5 years GWO has been profitable.
  • In the past 5 years GWO always reported a positive cash flow from operatings.
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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • GWO's Return On Assets of 0.46% is on the low side compared to the rest of the industry. GWO is outperformed by 69.62% of its industry peers.
  • With a Return On Equity value of 12.02%, GWO is not doing good in the industry: 62.03% of the companies in the same industry are doing better.
  • GWO has a Return On Invested Capital (0.55%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for GWO is below the industry average of 3.17%.
  • The last Return On Invested Capital (0.55%) for GWO is above the 3 year average (0.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROIC 0.55%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
GWO.CA Yearly ROA, ROE, ROICGWO.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • GWO has a Profit Margin (11.13%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of GWO has grown nicely.
  • GWO has a Operating Margin of 15.31%. This is in the lower half of the industry: GWO underperforms 64.56% of its industry peers.
  • In the last couple of years the Operating Margin of GWO has grown nicely.
Industry RankSector Rank
OM 15.31%
PM (TTM) 11.13%
GM N/A
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
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 2025 5 10 15 20 25

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4

2. GWO.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for GWO has been reduced compared to 1 year ago.
  • Compared to 5 years ago, GWO has less shares outstanding
  • Compared to 1 year ago, GWO has an improved debt to assets ratio.
GWO.CA Yearly Shares OutstandingGWO.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of GWO is 3.25, which is a good value as it means it would take GWO, 3.25 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.25, GWO is doing worse than 67.09% of the companies in the same industry.
  • GWO has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.27, GWO is in the better half of the industry, outperforming 62.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
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 2025 10B 20B 30B

2.3 Liquidity

  • GWO has a Current Ratio of 0.20. 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 (0.20) is better than 68.35% of its industry peers.
  • A Quick Ratio of 0.20 indicates that GWO may have some problems paying its short term obligations.
  • The Quick ratio of GWO (0.20) is better than 68.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
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 2025 1B 2B 3B 4B 5B

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

5

3. GWO.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.26% over the past year.
  • Measured over the past years, GWO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.83% on average per year.
  • GWO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.29%.
  • GWO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -10.00% yearly.
EPS 1Y (TTM)11.26%
EPS 3Y13.39%
EPS 5Y11.83%
EPS Q2Q%14.29%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%5.39%

3.2 Future

  • GWO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.92% yearly.
  • The Revenue is expected to grow by 28.19% on average over the next years. This is a very strong growth
EPS Next Y9.63%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
EPS Next 5Y1.92%
Revenue Next Year-65.29%
Revenue Next 2Y-38.62%
Revenue Next 3Y-31.45%
Revenue Next 5Y28.19%

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 accelerating.
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 2 4 6

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3

4. GWO.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.70, GWO is valued correctly.
  • GWO's Price/Earnings ratio is a bit more expensive when compared to the industry. GWO is more expensive than 72.15% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.96. GWO is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 11.58, which indicates a very decent valuation of GWO.
  • Based on the Price/Forward Earnings ratio, GWO is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.
  • GWO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
Industry RankSector Rank
PE 12.7
Fwd PE 11.58
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GWO indicates a slightly more expensive valuation: GWO is more expensive than 74.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.36
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

  • GWO's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.32
PEG (5Y)1.07
EPS Next 2Y9.1%
EPS Next 3Y8.73%

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8

5. GWO.CA Dividend Analysis

5.1 Amount

  • GWO has a Yearly Dividend Yield of 5.68%, which is a nice return.
  • GWO's Dividend Yield is rather good when compared to the industry average which is at 4.82. GWO pays more dividend than 83.54% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, GWO pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.68%

5.2 History

  • On average, the dividend of GWO grows each year by 6.72%, which is quite nice.
  • GWO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • GWO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.72%
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 2026 0.5 1 1.5 2

5.3 Sustainability

  • GWO pays out 60.93% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of GWO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.93%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
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 2025 2B 4B 6B 8B 10B
GWO.CA Dividend Payout.GWO.CA Dividend Payout, showing the Payout Ratio.GWO.CA Dividend Payout.PayoutRetained Earnings

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GWO.CA Fundamentals: All Metrics, Ratios and Statistics

GREAT-WEST LIFECO INC

TSX:GWO (3/16/2026, 7:00:00 PM)

64

+0.74 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners9.96%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap57.85B
Revenue(TTM)35.59B
Net Income(TTM)3.96B
Analysts75
Price Target70.47 (10.11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.68%
Yearly Dividend2.63
Dividend Growth(5Y)6.72%
DP60.93%
Div Incr Years10
Div Non Decr Years33
Ex-Date03-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.66%
Min EPS beat(2)4.4%
Max EPS beat(2)8.92%
EPS beat(4)3
Avg EPS beat(4)3.12%
Min EPS beat(4)-5.18%
Max EPS beat(4)8.92%
EPS beat(8)7
Avg EPS beat(8)4.11%
EPS beat(12)10
Avg EPS beat(12)3.77%
EPS beat(16)13
Avg EPS beat(16)3.06%
Revenue beat(2)2
Avg Revenue beat(2)279.49%
Min Revenue beat(2)269.96%
Max Revenue beat(2)289.01%
Revenue beat(4)4
Avg Revenue beat(4)172.56%
Min Revenue beat(4)64.71%
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)0.53%
PT rev (3m)7.04%
EPS NQ rev (1m)1.02%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)2.19%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-65.42%
Revenue NY rev (3m)-74.98%
Valuation
Industry RankSector Rank
PE 12.7
Fwd PE 11.58
P/S 1.63
P/FCF 21.36
P/OCF 21.36
P/B 1.76
P/tB 3.46
EV/EBITDA N/A
EPS(TTM)5.04
EY7.88%
EPS(NY)5.53
Fwd EY8.63%
FCF(TTM)3
FCFY4.68%
OCF(TTM)3
OCFY4.68%
SpS39.37
BVpS36.44
TBVpS18.52
PEG (NY)1.32
PEG (5Y)1.07
Graham Number64.28
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 12.02%
ROCE 0.63%
ROIC 0.55%
ROICexc 0.56%
ROICexgc 1.91%
OM 15.31%
PM (TTM) 11.13%
GM N/A
FCFM 7.61%
ROA(3y)0.44%
ROA(5y)0.47%
ROE(3y)11.11%
ROE(5y)11.24%
ROIC(3y)0.54%
ROIC(5y)0.56%
ROICexc(3y)0.54%
ROICexc(5y)0.56%
ROICexgc(3y)1.68%
ROICexgc(5y)1.7%
ROCE(3y)0.62%
ROCE(5y)0.64%
ROICexgc growth 3Y1.24%
ROICexgc growth 5Y6.02%
ROICexc growth 3Y-3.07%
ROICexc growth 5Y3.76%
OM growth 3Y-16.84%
OM growth 5Y23.82%
PM growth 3Y-18.63%
PM growth 5Y17.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.25
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 14.01
Cash Conversion N/A
Profit Quality 68.38%
Current Ratio 0.2
Quick Ratio 0.2
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)126.33%
Profit Quality(5y)163.1%
High Growth Momentum
Growth
EPS 1Y (TTM)11.26%
EPS 3Y13.39%
EPS 5Y11.83%
EPS Q2Q%14.29%
EPS Next Y9.63%
EPS Next 2Y9.1%
EPS Next 3Y8.73%
EPS Next 5Y1.92%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y26.91%
Revenue growth 5Y-10%
Sales Q2Q%5.39%
Revenue Next Year-65.29%
Revenue Next 2Y-38.62%
Revenue Next 3Y-31.45%
Revenue Next 5Y28.19%
EBIT growth 1Y-1.02%
EBIT growth 3Y5.54%
EBIT growth 5Y11.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43%
FCF growth 3Y-10.46%
FCF growth 5Y-22.38%
OCF growth 1Y-43%
OCF growth 3Y-10.46%
OCF growth 5Y-22.38%

GREAT-WEST LIFECO INC / GWO.CA Fundamental Analysis 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 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 12.7 and the Price/Book (PB) ratio is 1.76.


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 9.63% in the next year.