MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-F - CA56501R8580
18.25 CAD
+0.33 (+1.84%)
MFC-PR-F gets a fundamental rating of 5 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
MFC-PR-F had positive earnings in the past year.
In the past year MFC-PR-F had a positive cash flow from operations.
MFC-PR-F had positive earnings in 4 of the past 5 years.
In the past 5 years MFC-PR-F always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-F has a better Return On Assets (0.56%) than 63.75% of its industry peers.
MFC-PR-F has a Return On Equity of 10.90%. This is in the lower half of the industry: MFC-PR-F underperforms 61.25% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.80%, MFC-PR-F is in the better half of the industry, outperforming 71.25% 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
Looking at the Profit Margin, with a value of 14.07%, MFC-PR-F belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
In the last couple of years the Profit Margin of MFC-PR-F has grown nicely.
MFC-PR-F's Operating Margin of 23.25% is amongst the best of 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 | 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
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.
Compared to 5 years ago, MFC-PR-F has less shares outstanding
MFC-PR-F has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-F is 0.46, which is an excellent value as it means it would take MFC-PR-F, only 0.46 years of fcf income to pay off all of its debts.
MFC-PR-F's Debt to FCF ratio of 0.46 is amongst the best of the industry. MFC-PR-F outperforms 96.25% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-F is not too dependend on debt financing.
The Debt to Equity ratio of MFC-PR-F (0.27) is better than 78.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.49%
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-F 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-F 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
The Earnings Per Share is expected to grow by 5.15% on average over the next years.
Based on estimates for the next years, MFC-PR-F 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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.60, the valuation of MFC-PR-F can be described as very cheap.
MFC-PR-F's Price/Earnings ratio is a bit cheaper when compared to the industry. MFC-PR-F is cheaper than 72.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.76. MFC-PR-F is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 4.14, the valuation of MFC-PR-F can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-F indicates a somewhat cheap valuation: MFC-PR-F is cheaper than 76.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, MFC-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.6 | ||
| Fwd PE | 4.14 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-F is valued cheaply inside the industry as 85.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, MFC-PR-F is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.08 | ||
| EV/EBITDA | 2.05 |
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)1.09
PEG (5Y)0.84
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.26%, MFC-PR-F has a reasonable but not impressive dividend return.
MFC-PR-F's Dividend Yield is comparable with the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.31, MFC-PR-F pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
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
MFC-PR-F pays out 59.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
MFC-PR-F's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP
TSX:MFC-PR-F (10/29/2025, 7:00:00 PM)
18.25
+0.33 (+1.84%)
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 Cap30.92B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target20.39 (11.73%)
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 Years4
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%
PT rev (3m)-6.44%
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 | 4.6 | ||
| Fwd PE | 4.14 | ||
| P/S | 0.8 | ||
| P/FCF | 1.08 | ||
| P/OCF | 1.08 | ||
| P/B | 0.62 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | 2.05 |
EPS(TTM)3.97
EY21.75%
EPS(NY)4.41
Fwd EY24.18%
FCF(TTM)16.88
FCFY92.51%
OCF(TTM)16.88
OCFY92.51%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.09
PEG (5Y)0.84
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
WACC8.49%
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 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 5 / 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 4.23% 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 5 / 10 and the dividend payout ratio is 59.31%.