MFC-PR-C Fundamental Analysis - MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP

Fundamental Rating

Overall MFC-PR-C gets a fundamental rating of 6 out of 10. We evaluated MFC-PR-C against 80 industry peers in the Insurance industry. MFC-PR-C has an average financial health and profitability rating. MFC-PR-C scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes MFC-PR-C very considerable for value investing!

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1. Profitability

1.1 Basic Checks

MFC-PR-C had positive earnings in the past year.
MFC-PR-C had a positive operating cash flow in the past year.
Of the past 5 years MFC-PR-C 4 years were profitable.
MFC-PR-C had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 0.53%, MFC-PR-C is doing good in the industry, outperforming 60.49% of the companies in the same industry.
The Return On Equity of MFC-PR-C (10.48%) is worse than 66.67% of its industry peers.
The Return On Invested Capital of MFC-PR-C (0.75%) is better than 71.60% 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-C (13.87%) is better than 92.59% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-C has grown nicely.
MFC-PR-C has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-C outperforms 90.12% of its industry peers.
MFC-PR-C'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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-C is destroying value.
The number of shares outstanding for MFC-PR-C has been reduced compared to 1 year ago.
Compared to 5 years ago, MFC-PR-C has less shares outstanding
MFC-PR-C has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of MFC-PR-C is 0.44, which is an excellent value as it means it would take MFC-PR-C, only 0.44 years of fcf income to pay off all of its debts.
MFC-PR-C has a better Debt to FCF ratio (0.44) than 93.83% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-C is not too dependend on debt financing.
The Debt to Equity ratio of MFC-PR-C (0.26) is better than 87.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	0.44
Altman-Z	N/A

ROIC/WACC0.09

WACC8.54%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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-C 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.
The Revenue for MFC-PR-C have been decreasing by -13.62% on average. This is quite bad

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-C 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-C will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.

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 5Y11.9%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.21, which indicates a rather cheap valuation of MFC-PR-C.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-C is on the same level as its industry peers.
MFC-PR-C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
MFC-PR-C is valuated cheaply with a Price/Forward Earnings ratio of 4.72.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-C is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 24.29. MFC-PR-C is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	5.21
Fwd PE	4.72

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, MFC-PR-C is valued cheaper than 83.95% of the companies in the same industry.
83.95% of the companies in the same industry are more expensive than MFC-PR-C, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	1.18
EV/EBITDA	2.4

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.
The decent profitability rating of MFC-PR-C may justify a higher PE ratio.

PEG (NY)0.63

PEG (5Y)0.95

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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5. Dividend

5.1 Amount

MFC-PR-C has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-C's Dividend Yield is slightly below the industry average, which is at 4.15.
MFC-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.

		Industry Rank	Sector Rank
Dividend Yield	3.37%

5.2 History

On average, the dividend of MFC-PR-C grows each year by 20.17%, which is quite nice.
MFC-PR-C has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-C 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 Years18

5.3 Sustainability

60.48% of the earnings are spent on dividend by MFC-PR-C. This is not a sustainable payout ratio.
The dividend of MFC-PR-C 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%

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MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP

TSX:MFC-PR-C (1/16/2026, 7:00:00 PM)

21.51

-0.14 (-0.65%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-12 2025-11-12/amc

Earnings (Next)02-11 2026-02-11/amc

Inst Owners56.4%

Inst Owner ChangeN/A

Ins Owners0.06%

Ins Owner ChangeN/A

Market Cap36.24B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target23.39 (8.74%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.37%

Yearly Dividend1.79

Dividend Growth(5Y)20.17%

DP60.48%

Div Incr Years0

Div Non Decr Years18

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)-2.52%

PT rev (3m)-3.62%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.14%

EPS NY rev (1m)0%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.25%

Valuation

		Industry Rank	Sector Rank
PE	5.21
Fwd PE	4.72
P/S	0.93
P/FCF	1.18
P/OCF	1.18
P/B	0.7
P/tB	0.9
EV/EBITDA	2.4

EPS(TTM)4.13

EY19.2%

EPS(NY)4.56

Fwd EY21.18%

FCF(TTM)18.18

FCFY84.5%

OCF(TTM)18.18

OCFY84.5%

SpS23.08

BVpS30.53

TBVpS24.01

PEG (NY)0.63

PEG (5Y)0.95

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

WACC8.54%

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 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 CORP - MFCCN 4 1/2 PERP / MFC-PR-C.CA FAQ

Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP?

ChartMill assigns a fundamental rating of 6 / 10 to MFC-PR-C.CA.

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?

ChartMill assigns a valuation rating of 8 / 10 to MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA). This can be considered as Undervalued.

How profitable is MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?

MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) has a profitability rating of 6 / 10.

Can you provide the PE and PB ratios for MFC-PR-C stock?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) is 5.21 and the Price/Book (PB) ratio is 0.7.

What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) is 5 / 10.

MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP / MFC-PR-C.CA FAQ

Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP?

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?

How profitable is MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?

Can you provide the PE and PB ratios for MFC-PR-C stock?

What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?