MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-B - CA56501R4035
22.05 CAD
+0.01 (+0.05%)
MFC-PR-B gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-B get a neutral evaluation. Nothing too spectacular is happening here. A decent growth rate in combination with a cheap valuation! Better keep an eye on MFC-PR-B. With these ratings, MFC-PR-B could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-B was profitable.
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.
Each year in the past 5 years MFC-PR-B had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.53%, MFC-PR-B perfoms like the industry average, outperforming 58.23% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.48%, MFC-PR-B is doing worse than 68.35% of the companies in the same industry.
The Return On Invested Capital of MFC-PR-B (0.75%) is better than 68.35% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 13.87%, MFC-PR-B belongs to the best of the industry, outperforming 92.41% of the companies in the same industry.
MFC-PR-B's Profit Margin has improved in the last couple of years.
MFC-PR-B's Operating Margin of 22.75% is amongst the best of the industry. MFC-PR-B outperforms 89.87% of its industry peers.
MFC-PR-B's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, MFC-PR-B has less shares outstanding
MFC-PR-B has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MFC-PR-B has been reduced compared to a year ago.
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.
The Debt to FCF ratio of MFC-PR-B (0.44) is better than 93.67% 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.
The Debt to Equity ratio of MFC-PR-B (0.26) is better than 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-B shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
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
Based on estimates for the next years, MFC-PR-B will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
The Revenue is expected to grow by 12.43% on average over the next years. This is quite good.
EPS Next Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.34 indicates a rather cheap valuation of MFC-PR-B.
MFC-PR-B's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.77. MFC-PR-B is valued rather cheaply when compared to this.
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.
The average S&P500 Price/Forward Earnings ratio is at 23.35. MFC-PR-B is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.34 | ||
| Fwd PE | 4.84 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-B is valued cheaper than 81.01% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MFC-PR-B is valued a bit cheaper than 62.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.21 | ||
| EV/EBITDA | 2.49 |
4.3 Compensation for Growth
MFC-PR-B's 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 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.51%, MFC-PR-B has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.35, MFC-PR-B is paying slightly less dividend.
MFC-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
MFC-PR-B pays out 60.48% of its income as dividend. 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 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL - MFCCN 4.65 PERP
TSX:MFC-PR-B (12/30/2025, 7:00:00 PM)
22.05
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.33%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap37.15B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target24.28 (10.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years19
Ex-Date
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)-1.71%
PT rev (3m)-1.4%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.34 | ||
| Fwd PE | 4.84 | ||
| P/S | 0.96 | ||
| P/FCF | 1.21 | ||
| P/OCF | 1.21 | ||
| P/B | 0.72 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 2.49 |
EPS(TTM)4.13
EY18.73%
EPS(NY)4.56
Fwd EY20.66%
FCF(TTM)18.18
FCFY82.43%
OCF(TTM)18.18
OCFY82.43%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.65
PEG (5Y)0.97
Graham Number53.26
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.38%
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 Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
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 5Y12.43%
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.
What is the valuation status of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?
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.
Can you provide the financial health for MFC-PR-B stock?
The financial health rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5 / 10.
Is the dividend of MANULIFE FINANCIAL - MFCCN 4.65 PERP sustainable?
The dividend rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5 / 10 and the dividend payout ratio is 60.48%.