MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-C - CA56501R5024
22.44 CAD
+0.31 (+1.4%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-C. MFC-PR-C was compared to 80 industry peers in the Insurance industry. MFC-PR-C has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on MFC-PR-C.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-C was profitable.
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
MFC-PR-C has a better Return On Assets (0.56%) than 60.76% of its industry peers.
Looking at the Return On Equity, with a value of 10.90%, MFC-PR-C is doing worse than 65.82% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.80%, MFC-PR-C is in the better half of the industry, outperforming 69.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROIC | 0.8% |
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 14.07%, MFC-PR-C belongs to the best of the industry, outperforming 92.41% of the companies in the same industry.
In the last couple of years the Profit Margin of MFC-PR-C has grown nicely.
Looking at the Operating Margin, with a value of 23.25%, MFC-PR-C belongs to the top of the industry, outperforming 89.87% of the companies in the same industry.
In the last couple of years the Operating Margin of MFC-PR-C has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| 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-C is destroying value.
The number of shares outstanding for MFC-PR-C has been reduced compared to 1 year ago.
MFC-PR-C has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MFC-PR-C has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-C is 0.46, which is an excellent value as it means it would take MFC-PR-C, only 0.46 years of fcf income to pay off all of its debts.
MFC-PR-C's Debt to FCF ratio of 0.46 is amongst the best of the industry. MFC-PR-C outperforms 93.67% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-C is not too dependend on debt financing.
MFC-PR-C has a better Debt to Equity ratio (0.27) than 75.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.41%
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 been growing slightly by 7.59% over the past year.
MFC-PR-C 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 grown by 11.59% in the past year. This is quite good.
MFC-PR-C shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
EPS 1Y (TTM)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
3.2 Future
Based on estimates for the next years, MFC-PR-C 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-C will show a quite strong growth in Revenue. The Revenue will grow by 11.24% on average per year.
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
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.
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
MFC-PR-C is valuated cheaply with a Price/Earnings ratio of 5.65.
MFC-PR-C's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.89. MFC-PR-C is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.09, the valuation of MFC-PR-C can be described as very cheap.
MFC-PR-C's Price/Forward Earnings ratio is in line with the industry average.
MFC-PR-C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 5.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-C indicates a rather cheap valuation: MFC-PR-C is cheaper than 82.28% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-C indicates a somewhat cheap valuation: MFC-PR-C is cheaper than 64.56% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.33 | ||
| EV/EBITDA | 2.76 |
4.3 Compensation for Growth
MFC-PR-C's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of MFC-PR-C may justify a higher PE ratio.
PEG (NY)1.34
PEG (5Y)1.03
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
MFC-PR-C has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-C's Dividend Yield is comparable with the industry average which is at 3.56.
MFC-PR-C's Dividend Yield is a higher than the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years18
5.3 Sustainability
MFC-PR-C pays out 59.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of MFC-PR-C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP
TSX:MFC-PR-C (10/24/2025, 7:00:00 PM)
22.44
+0.31 (+1.4%)
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 Cap38.02B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target24.27 (8.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years0
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.7%
Min EPS beat(2)-2.89%
Max EPS beat(2)-0.52%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-2.89%
Max EPS beat(4)7.87%
EPS beat(8)6
Avg EPS beat(8)4.05%
EPS beat(12)8
Avg EPS beat(12)3.32%
EPS beat(16)10
Avg EPS beat(16)1.94%
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)-0.23%
PT rev (3m)-0.97%
EPS NQ rev (1m)-0.91%
EPS NQ rev (3m)-1.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 5.09 | ||
| P/S | 0.98 | ||
| P/FCF | 1.33 | ||
| P/OCF | 1.33 | ||
| P/B | 0.76 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | 2.76 |
EPS(TTM)3.97
EY17.69%
EPS(NY)4.41
Fwd EY19.66%
FCF(TTM)16.88
FCFY75.24%
OCF(TTM)16.88
OCFY75.24%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.34
PEG (5Y)1.03
Graham Number51.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROCE | 0.94% | ||
| ROIC | 0.8% | ||
| ROICexc | 0.82% | ||
| ROICexgc | 1.91% | ||
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A | ||
| FCFM | 74.06% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Debt/EBITDA | 1.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.72 | ||
| Cash Conversion | 287.17% | ||
| Profit Quality | 526.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.41%
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.69%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y57.69%
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 5 / 10 to MFC-PR-C.CA.
What is the valuation status for MFC-PR-C stock?
ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA). This can be considered as Undervalued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP?
MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for MFC-PR-C stock?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) is expected to grow by 4.23% in the next year.
How sustainable is the dividend of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) stock?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 4 1/2 PERP (MFC-PR-C.CA) is 6 / 10 and the dividend payout ratio is 59.31%.