MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) Fundamental Analysis & Valuation

TSX:MFC-PR-F • CA56501R8580

Current stock price

19.6 CAD
+0.24 (+1.24%)
Last:

This MFC-PR-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. MFC-PR-F.CA Profitability Analysis

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.
MFC-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.51%, MFC-PR-F is in the better half of the industry, outperforming 60.76% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.30%, MFC-PR-F is doing worse than 65.82% of the companies in the same industry.
  • MFC-PR-F has a better Return On Invested Capital (0.73%) than 72.15% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MFC-PR-F is below the industry average of 3.17%.
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROIC 0.73%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
ROIC(5y)N/A
MFC-PR-F.CA Yearly ROA, ROE, ROICMFC-PR-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • The Profit Margin of MFC-PR-F (13.57%) is better than 93.67% of its industry peers.
  • MFC-PR-F's Profit Margin has improved in the last couple of years.
  • MFC-PR-F has a Operating Margin of 22.28%. This is amongst the best in the industry. MFC-PR-F outperforms 91.14% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-F has grown nicely.
Industry RankSector Rank
OM 22.28%
PM (TTM) 13.57%
GM N/A
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
GM growth 3YN/A
GM growth 5YN/A
MFC-PR-F.CA Yearly Profit, Operating, Gross MarginsMFC-PR-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MFC-PR-F.CA Health Analysis

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.
MFC-PR-F.CA Yearly Shares OutstandingMFC-PR-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
MFC-PR-F.CA Yearly Total Debt VS Total AssetsMFC-PR-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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 has a Debt to FCF ratio of 0.46. This is amongst the best in the industry. MFC-PR-F outperforms 94.94% of its industry peers.
  • MFC-PR-F has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.29, MFC-PR-F is in line with its industry, outperforming 58.23% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACC0.09
WACC8.29%
MFC-PR-F.CA Yearly LT Debt VS Equity VS FCFMFC-PR-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-F.CA Yearly Current Assets VS Current LiabilitesMFC-PR-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MFC-PR-F.CA Growth Analysis

3.1 Past

  • MFC-PR-F shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.76%, which is quite good.
  • The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
  • Looking at the last year, MFC-PR-F shows a small growth in Revenue. The Revenue has grown by 3.39% in the last year.
  • The Revenue for MFC-PR-F have been decreasing by -11.65% on average. This is quite bad
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%

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 4.26% yearly.
  • Based on estimates for the next years, MFC-PR-F will show a quite strong growth in Revenue. The Revenue will grow by 13.32% on average per year.
EPS Next Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
EPS Next 5Y4.26%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%

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 decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MFC-PR-F.CA Yearly Revenue VS EstimatesMFC-PR-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MFC-PR-F.CA Yearly EPS VS EstimatesMFC-PR-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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8

4. MFC-PR-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.64, which indicates a rather cheap valuation of MFC-PR-F.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-F indicates a somewhat cheap valuation: MFC-PR-F is cheaper than 63.29% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. MFC-PR-F is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 4.25, the valuation of MFC-PR-F can be described as very cheap.
  • MFC-PR-F's Price/Forward Earnings is on the same level as the industry average.
  • MFC-PR-F's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 4.64
Fwd PE 4.25
MFC-PR-F.CA Price Earnings VS Forward Price EarningsMFC-PR-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MFC-PR-F is valued cheaper than 86.08% of the companies in the same industry.
  • MFC-PR-F's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFC-PR-F is cheaper than 94.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.02
EV/EBITDA 2.19
MFC-PR-F.CA Per share dataMFC-PR-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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-F may justify a higher PE ratio.
PEG (NY)0.5
PEG (5Y)0.52
EPS Next 2Y9.22%
EPS Next 3Y9.66%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. MFC-PR-F.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.25%, MFC-PR-F is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.41, MFC-PR-F is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, MFC-PR-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.25%

5.2 History

  • The dividend of MFC-PR-F is nicely growing with an annual growth rate of 10.03%!
  • MFC-PR-F has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MFC-PR-F has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.03%
Div Incr Years0
Div Non Decr Years4
MFC-PR-F.CA Yearly Dividends per shareMFC-PR-F.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 62.94% of the earnings are spent on dividend by MFC-PR-F. This is not a sustainable payout ratio.
  • MFC-PR-F's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.94%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
MFC-PR-F.CA Yearly Income VS Free CF VS DividendMFC-PR-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B
MFC-PR-F.CA Dividend Payout.MFC-PR-F.CA Dividend Payout, showing the Payout Ratio.MFC-PR-F.CA Dividend Payout.PayoutRetained Earnings

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MFC-PR-F.CA Fundamentals: All Metrics, Ratios and Statistics

MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP

TSX:MFC-PR-F (3/12/2026, 7:00:00 PM)

19.6

+0.24 (+1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners55.76%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap32.86B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target21.96 (12.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.25%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.84%
Min EPS beat(2)4.6%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.07%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)3.82%
EPS beat(12)9
Avg EPS beat(12)4.24%
EPS beat(16)11
Avg EPS beat(16)3.12%
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)8.05%
PT rev (3m)8.86%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)1.1%
EPS NY rev (3m)1.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 4.64
Fwd PE 4.25
P/S 0.85
P/FCF 1.02
P/OCF 1.02
P/B 0.64
P/tB 0.85
EV/EBITDA 2.19
EPS(TTM)4.22
EY21.53%
EPS(NY)4.61
Fwd EY23.54%
FCF(TTM)19.15
FCFY97.69%
OCF(TTM)19.15
OCFY97.69%
SpS23.08
BVpS30.39
TBVpS23.04
PEG (NY)0.5
PEG (5Y)0.52
Graham Number53.72
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROCE 0.86%
ROIC 0.73%
ROICexc 0.75%
ROICexgc 1.75%
OM 22.28%
PM (TTM) 13.57%
GM N/A
FCFM 82.95%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
ROIC(5y)N/A
ROICexc(3y)0.78%
ROICexc(5y)N/A
ROICexgc(3y)1.78%
ROICexgc(5y)N/A
ROCE(3y)0.9%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.35%
ROICexc growth 3YN/A
ROICexc growth 5Y3.45%
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Debt/EBITDA 1.54
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.69
Cash Conversion 337.91%
Profit Quality 611.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.29%
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)519.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
EPS Next Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
EPS Next 5Y4.26%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%
EBIT growth 1Y-1.68%
EBIT growth 3YN/A
EBIT growth 5Y6.73%
EBIT Next Year-67.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.18%
FCF growth 3Y24.52%
FCF growth 5Y9.88%
OCF growth 1Y21.18%
OCF growth 3Y24.52%
OCF growth 5Y9.88%

MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP / MFC-PR-F.CA Fundamental Analysis 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.


Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP?

ChartMill assigns a valuation rating of 8 / 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 financial health of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) stock?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) is 4 / 10.


Can you provide the expected EPS growth for MFC-PR-F stock?

The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) is expected to grow by 9.32% in the next year.