MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-F - CA56501R8580
18.01 CAD
-0.1 (-0.55%)
MFC-PR-F gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. MFC-PR-F has an average financial health and profitability rating. MFC-PR-F is valued quite cheap, while showing a decent growth score. This is a good combination! MFC-PR-F also has an excellent dividend rating. With these ratings, MFC-PR-F could be worth investigating further for value and dividend investing!.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-F was profitable.
MFC-PR-F had a positive operating cash flow in the past year.
Of the past 5 years MFC-PR-F 4 years were profitable.
In the past 5 years MFC-PR-F always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.53%, MFC-PR-F is in the better half of the industry, outperforming 65.00% of the companies in the same industry.
MFC-PR-F's Return On Equity of 10.48% is on the low side compared to the rest of the industry. MFC-PR-F is outperformed by 63.75% of its industry peers.
The Return On Invested Capital of MFC-PR-F (0.75%) is better than 71.25% 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
Looking at the Profit Margin, with a value of 13.87%, MFC-PR-F belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
MFC-PR-F's Profit Margin has improved in the last couple of years.
MFC-PR-F has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-F outperforms 92.50% of its industry peers.
MFC-PR-F'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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-F is destroying value.
MFC-PR-F has less shares outstanding than it did 1 year ago.
MFC-PR-F has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MFC-PR-F has been reduced compared to a year ago.
2.2 Solvency
MFC-PR-F has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
MFC-PR-F has a better Debt to FCF ratio (0.44) than 96.25% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-F is not too dependend on debt financing.
MFC-PR-F's Debt to Equity ratio of 0.26 is amongst the best of the industry. MFC-PR-F outperforms 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.5%
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.
Measured over the past 5 years, MFC-PR-F shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
MFC-PR-F shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
Measured over the past years, MFC-PR-F shows a very negative growth in Revenue. The Revenue has been decreasing by -13.62% on average per year.
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-F is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
The Revenue is expected to grow by 11.40% on average over the next years. This is quite good.
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
With a Price/Earnings ratio of 4.36, the valuation of MFC-PR-F can be described as very cheap.
Based on the Price/Earnings ratio, MFC-PR-F is valued a bit cheaper than 72.50% of the companies in the same industry.
MFC-PR-F's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.47.
A Price/Forward Earnings ratio of 4.07 indicates a rather cheap valuation of MFC-PR-F.
75.00% of the companies in the same industry are more expensive than MFC-PR-F, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of MFC-PR-F to the average of the S&P500 Index (34.42), we can say MFC-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.36 | ||
| Fwd PE | 4.07 |
4.2 Price Multiples
85.00% of the companies in the same industry are more expensive than MFC-PR-F, based on the Enterprise Value to EBITDA ratio.
73.75% of the companies in the same industry are more expensive than MFC-PR-F, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1 | ||
| EV/EBITDA | 1.83 |
4.3 Compensation for Growth
MFC-PR-F's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
MFC-PR-F has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.02
PEG (5Y)0.79
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.16%, MFC-PR-F is a good candidate for dividend investing.
MFC-PR-F's Dividend Yield is rather good when compared to the industry average which is at 4.36. MFC-PR-F pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, MFC-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
5.2 History
On average, the dividend of MFC-PR-F grows each year by 20.17%, which is quite nice.
MFC-PR-F has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-F has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
60.48% of the earnings are spent on dividend by MFC-PR-F. This is not a sustainable payout ratio.
The dividend of MFC-PR-F 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 CORP - MFCCN 2.348 PERP
TSX:MFC-PR-F (11/20/2025, 7:00:00 PM)
18.01
-0.1 (-0.55%)
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 Cap30.52B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target20.33 (12.88%)
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 Years4
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)-0.3%
PT rev (3m)-5.41%
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 | 4.36 | ||
| Fwd PE | 4.07 | ||
| P/S | 0.78 | ||
| P/FCF | 1 | ||
| P/OCF | 1 | ||
| P/B | 0.59 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | 1.83 |
EPS(TTM)4.13
EY22.93%
EPS(NY)4.43
Fwd EY24.57%
FCF(TTM)18.07
FCFY100.36%
OCF(TTM)18.07
OCFY100.36%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.02
PEG (5Y)0.79
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
WACC8.5%
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 CORP - MFCCN 2.348 PERP / MFC-PR-F.CA FAQ
What is the ChartMill fundamental rating of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) stock?
ChartMill assigns a fundamental rating of 6 / 10 to MFC-PR-F.CA.
What is the valuation status for MFC-PR-F stock?
ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA). This can be considered as Undervalued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP?
MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) has a profitability rating of 6 / 10.
What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) is expected to grow by 4.26% in the next year.
Can you provide the dividend sustainability for MFC-PR-F stock?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) is 6 / 10 and the dividend payout ratio is 60.48%.