MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-B - CA56501R4035
21.85 CAD
+0.2 (+0.92%)
MFC-PR-B gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. MFC-PR-B has an average financial health and profitability rating. MFC-PR-B may be a bit undervalued, certainly considering the very reasonable score on growth Finally MFC-PR-B also has an excellent dividend rating. These ratings could make MFC-PR-B a good candidate for value and dividend investing.
1. Profitability
1.1 Basic Checks
MFC-PR-B had positive earnings in the past year.
In the past year MFC-PR-B had a positive cash flow from operations.
MFC-PR-B had positive earnings in 4 of the past 5 years.
In the past 5 years MFC-PR-B always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-B's Return On Assets of 0.53% is fine compared to the rest of the industry. MFC-PR-B outperforms 61.25% of its industry peers.
The Return On Equity of MFC-PR-B (10.48%) is worse than 67.50% of its industry peers.
MFC-PR-B has a better Return On Invested Capital (0.75%) than 67.50% 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
The Profit Margin of MFC-PR-B (13.87%) is better than 91.25% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-B has grown nicely.
With an excellent Operating Margin value of 22.75%, MFC-PR-B belongs to the best of the industry, outperforming 88.75% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-B is destroying value.
Compared to 1 year ago, MFC-PR-B has less shares outstanding
Compared to 5 years ago, MFC-PR-B has less shares outstanding
MFC-PR-B has a better debt/assets ratio than last year.
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 has a better Debt to FCF ratio (0.44) than 92.50% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-B is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-B belongs to the best of the industry, outperforming 86.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.55% over the past year.
MFC-PR-B shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
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.
Based on estimates for the next years, MFC-PR-B will show a quite strong growth in Revenue. The Revenue will grow by 11.40% on average per year.
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
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
The Price/Earnings ratio is 5.29, which indicates a rather cheap valuation of MFC-PR-B.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-B is on the same level as its industry peers.
MFC-PR-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
With a Price/Forward Earnings ratio of 4.94, 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.
When comparing the Price/Forward Earnings ratio of MFC-PR-B to the average of the S&P500 Index (34.46), we can say MFC-PR-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.29 | ||
| Fwd PE | 4.94 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-B is valued cheaper than 81.25% of the companies in the same industry.
MFC-PR-B's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MFC-PR-B is cheaper than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.21 | ||
| EV/EBITDA | 2.48 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of MFC-PR-B may justify a higher PE ratio.
PEG (NY)1.24
PEG (5Y)0.96
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.16%, MFC-PR-B is a good candidate for dividend investing.
MFC-PR-B's Dividend Yield is comparable with the industry average which is at 4.42.
Compared to an average S&P500 Dividend Yield of 2.42, MFC-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
5.2 History
The dividend of MFC-PR-B is nicely growing with an annual growth rate of 20.17%!
MFC-PR-B has been paying a dividend for at least 10 years, so it has 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
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 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL - MFCCN 4.65 PERP
TSX:MFC-PR-B (11/21/2025, 7:00:00 PM)
21.85
+0.2 (+0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.61%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap37.02B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target24.7 (13.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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)0.29%
PT rev (3m)-4.32%
EPS NQ rev (1m)3.73%
EPS NQ rev (3m)3.68%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.29 | ||
| Fwd PE | 4.94 | ||
| P/S | 0.95 | ||
| P/FCF | 1.21 | ||
| P/OCF | 1.21 | ||
| P/B | 0.72 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 2.48 |
EPS(TTM)4.13
EY18.9%
EPS(NY)4.43
Fwd EY20.25%
FCF(TTM)18.07
FCFY82.72%
OCF(TTM)18.07
OCFY82.72%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.24
PEG (5Y)0.96
Graham Number53.11
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
WACC8.42%
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
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 6 / 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 6 / 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 7 / 10 and the dividend payout ratio is 60.48%.