MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:MFC-PR-B • CA56501R4035

22.09 CAD
+0.06 (+0.27%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to MFC-PR-B. MFC-PR-B was compared to 78 industry peers in the Insurance industry. MFC-PR-B has only an average score on both its financial health and profitability. MFC-PR-B is valued quite cheap, while showing a decent growth score. This is a good combination! This makes MFC-PR-B very considerable for value investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • MFC-PR-B had positive earnings in the past year.
  • MFC-PR-B had a positive operating cash flow in the past year.
  • Of the past 5 years MFC-PR-B 4 years were profitable.
  • MFC-PR-B had a positive operating cash flow in each of the past 5 years.
MFC-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-B.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 0 5B 10B 15B 20B 25B

1.2 Ratios

  • MFC-PR-B has a Return On Assets (0.53%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 10.48%, MFC-PR-B is doing worse than 67.50% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 0.75%, MFC-PR-B is doing good in the industry, outperforming 71.25% of the companies in the same industry.
Industry RankSector Rank
ROA 0.53%
ROE 10.48%
ROIC 0.75%
ROA(3y)0.27%
ROA(5y)0.44%
ROE(3y)5.1%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
MFC-PR-B.CA Yearly ROA, ROE, ROICMFC-PR-B.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • MFC-PR-B has a better Profit Margin (13.87%) than 92.50% of its industry peers.
  • MFC-PR-B's Profit Margin has improved in the last couple of years.
  • The Operating Margin of MFC-PR-B (22.75%) is better than 90.00% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-B has grown nicely.
Industry RankSector Rank
OM 22.75%
PM (TTM) 13.87%
GM N/A
OM growth 3Y12.84%
OM growth 5Y19.32%
PM growth 3Y3.23%
PM growth 5Y14.2%
GM growth 3YN/A
GM growth 5YN/A
MFC-PR-B.CA Yearly Profit, Operating, Gross MarginsMFC-PR-B.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • MFC-PR-B has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for MFC-PR-B has been reduced compared to 1 year ago.
  • The number of shares outstanding for MFC-PR-B has been reduced compared to 5 years ago.
  • The debt/assets ratio for MFC-PR-B has been reduced compared to a year ago.
MFC-PR-B.CA Yearly Shares OutstandingMFC-PR-B.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-B.CA Yearly Total Debt VS Total AssetsMFC-PR-B.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 MFC-PR-B is 0.44, which is an excellent value as it means it would take MFC-PR-B, only 0.44 years of fcf income to pay off all of its debts.
  • MFC-PR-B's Debt to FCF ratio of 0.44 is amongst the best of the industry. MFC-PR-B outperforms 93.75% of its industry peers.
  • MFC-PR-B has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.26, MFC-PR-B belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.53%
MFC-PR-B.CA Yearly LT Debt VS Equity VS FCFMFC-PR-B.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 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-B.CA Yearly Current Assets VS Current LiabilitesMFC-PR-B.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

More info and screens

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.55% over the past year.
  • Measured over the past 5 years, MFC-PR-B shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
  • The Revenue has been growing slightly by 7.70% in the past year.
  • MFC-PR-B shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
EPS 1Y (TTM)9.55%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%16%
Revenue 1Y (TTM)7.7%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%

3.2 Future

  • MFC-PR-B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
  • Based on estimates for the next years, MFC-PR-B will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%

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 stable.
  • 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.
MFC-PR-B.CA Yearly Revenue VS EstimatesMFC-PR-B.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 80B
MFC-PR-B.CA Yearly EPS VS EstimatesMFC-PR-B.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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.35 indicates a rather cheap valuation of MFC-PR-B.
  • The rest of the industry has a similar Price/Earnings ratio as MFC-PR-B.
  • MFC-PR-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
  • With a Price/Forward Earnings ratio of 4.84, the valuation of MFC-PR-B can be described as very cheap.
  • MFC-PR-B's Price/Forward Earnings ratio is in line with the industry average.
  • MFC-PR-B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
Industry RankSector Rank
PE 5.35
Fwd PE 4.84
MFC-PR-B.CA Price Earnings VS Forward Price EarningsMFC-PR-B.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MFC-PR-B's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MFC-PR-B is cheaper than 83.75% of the companies in the same industry.
  • MFC-PR-B's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFC-PR-B is cheaper than 83.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.22
EV/EBITDA 2.5
MFC-PR-B.CA Per share dataMFC-PR-B.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.65
PEG (5Y)0.97
EPS Next 2Y8.45%
EPS Next 3Y8.81%

More info and screens

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

5

5. Dividend

5.1 Amount

  • MFC-PR-B has a Yearly Dividend Yield of 3.43%. Purely for dividend investing, there may be better candidates out there.
  • MFC-PR-B's Dividend Yield is slightly below the industry average, which is at 3.53.
  • MFC-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.43%

5.2 History

  • On average, the dividend of MFC-PR-B grows each year by 20.17%, which is quite nice.
  • MFC-PR-B has paid a dividend for at least 10 years, which is a reliable track record.
  • MFC-PR-B has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years19
MFC-PR-B.CA Yearly Dividends per shareMFC-PR-B.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 60.48% of the earnings are spent on dividend by MFC-PR-B. This is not a sustainable payout ratio.
  • The dividend of MFC-PR-B is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
MFC-PR-B.CA Yearly Income VS Free CF VS DividendMFC-PR-B.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B
MFC-PR-B.CA Dividend Payout.MFC-PR-B.CA Dividend Payout, showing the Payout Ratio.MFC-PR-B.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MANULIFE FINANCIAL - MFCCN 4.65 PERP

TSX:MFC-PR-B (2/6/2026, 7:00:00 PM)

22.09

+0.06 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap37.22B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target23.63 (6.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.09%
Min EPS beat(2)-2.89%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.88%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)4.13%
EPS beat(12)9
Avg EPS beat(12)4.52%
EPS beat(16)11
Avg EPS beat(16)2.93%
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)-2.69%
PT rev (3m)-5.88%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)3.96%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 5.35
Fwd PE 4.84
P/S 0.96
P/FCF 1.22
P/OCF 1.22
P/B 0.72
P/tB 0.92
EV/EBITDA 2.5
EPS(TTM)4.13
EY18.7%
EPS(NY)4.56
Fwd EY20.66%
FCF(TTM)18.18
FCFY82.28%
OCF(TTM)18.18
OCFY82.28%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.65
PEG (5Y)0.97
Graham Number53.26
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 10.48%
ROCE 0.88%
ROIC 0.75%
ROICexc 0.77%
ROICexgc 1.81%
OM 22.75%
PM (TTM) 13.87%
GM N/A
FCFM 78.76%
ROA(3y)0.27%
ROA(5y)0.44%
ROE(3y)5.1%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-2.15%
ROICexgc growth 5Y-0.07%
ROICexc growth 3Y-3.34%
ROICexc growth 5Y-0.84%
OM growth 3Y12.84%
OM growth 5Y19.32%
PM growth 3Y3.23%
PM growth 5Y14.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Debt/EBITDA 1.35
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.76
Cash Conversion 308.74%
Profit Quality 568.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.53%
ROIC/WACC0.09
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.55%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%16%
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue 1Y (TTM)7.7%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-72.75%
EBIT Next 3Y-28.58%
EBIT Next 5YN/A
FCF growth 1Y60.02%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y60.02%
OCF growth 3Y4.59%
OCF growth 5Y5.22%

MANULIFE FINANCIAL - MFCCN 4.65 PERP / MFC-PR-B.CA FAQ

What is the ChartMill fundamental rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-B.CA.


Can you provide the valuation status for MANULIFE FINANCIAL - MFCCN 4.65 PERP?

ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA). This can be considered as Undervalued.


What is the profitability of MFC-PR-B stock?

MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) has a profitability rating of 5 / 10.


What are the PE and PB ratios of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5.35 and the Price/Book (PB) ratio is 0.72.


Can you provide the expected EPS growth for MFC-PR-B stock?

The Earnings per Share (EPS) of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is expected to grow by 8.17% in the next year.