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

TSX:MFC-PR-F • CA56501R8580

Current stock price

20.55 CAD
+0.11 (+0.54%)
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

  • MFC-PR-F had positive earnings in the past year.
  • 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.
  • Each year in the past 5 years MFC-PR-F had a positive operating cash flow.
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

  • With a decent Return On Assets value of 0.51%, MFC-PR-F is doing good in the industry, outperforming 60.76% of the companies in the same industry.
  • MFC-PR-F has a Return On Equity of 10.30%. This is in the lower half of the industry: MFC-PR-F underperforms 65.82% of its industry peers.
  • MFC-PR-F's Return On Invested Capital of 0.73% is fine compared to the rest of the industry. MFC-PR-F outperforms 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

  • MFC-PR-F's Profit Margin of 13.57% is amongst the best of the industry. MFC-PR-F outperforms 93.67% of its industry peers.
  • In the last couple of years the Profit Margin of MFC-PR-F has grown nicely.
  • With an excellent Operating Margin value of 22.28%, MFC-PR-F belongs to the best of the industry, outperforming 91.14% of the companies in the same industry.
  • 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

  • MFC-PR-F has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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's Debt to FCF ratio of 0.46 is amongst the best of 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.
  • With a Debt to Equity ratio value of 0.29, MFC-PR-F perfoms like the industry average, 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
WACC8.2%
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

  • The Earnings Per Share has grown by an nice 8.76% over the past year.
  • The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.39% in the past year.
  • Measured over the past years, MFC-PR-F shows a very negative growth in Revenue. The Revenue has been decreasing by -11.65% on average per year.
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

  • The Earnings Per Share is expected to grow by 4.26% on average over the next years.
  • MFC-PR-F is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.32% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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

  • Based on the Price/Earnings ratio of 4.87, the valuation of MFC-PR-F can be described as very cheap.
  • MFC-PR-F's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.78. MFC-PR-F is valued rather cheaply when compared to this.
  • MFC-PR-F is valuated cheaply with a Price/Forward Earnings ratio of 4.45.
  • The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-F.
  • MFC-PR-F's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 4.87
Fwd PE 4.45
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

  • MFC-PR-F's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MFC-PR-F is 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 91.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.07
EV/EBITDA 2.36
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

  • MFC-PR-F's 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)0.52
PEG (5Y)0.55
EPS Next 2Y9.22%
EPS Next 3Y9.66%

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

6

5. MFC-PR-F.CA Dividend Analysis

5.1 Amount

  • MFC-PR-F has a Yearly Dividend Yield of 4.15%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.85, MFC-PR-F has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, MFC-PR-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.15%

5.2 History

  • On average, the dividend of MFC-PR-F grows each year by 10.03%, which is quite nice.
  • MFC-PR-F has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As MFC-PR-F did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)10.03%
Div Incr Years0
Div Non Decr Years5
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 (4/9/2026, 7:00:00 PM)

20.55

+0.11 (+0.54%)

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 Cap34.45B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target21.96 (6.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.15%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years5
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)0%
PT rev (3m)8.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)0%
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 4.87
Fwd PE 4.45
P/S 0.89
P/FCF 1.07
P/OCF 1.07
P/B 0.68
P/tB 0.89
EV/EBITDA 2.36
EPS(TTM)4.22
EY20.54%
EPS(NY)4.61
Fwd EY22.45%
FCF(TTM)19.15
FCFY93.2%
OCF(TTM)19.15
OCFY93.2%
SpS23.09
BVpS30.4
TBVpS23.05
PEG (NY)0.52
PEG (5Y)0.55
Graham Number53.73
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
WACC8.2%
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.


What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) stock?

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.


What is the profitability of MFC-PR-F stock?

MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) has a profitability rating of 6 / 10.


How financially healthy is MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) is 4 / 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 9.32% in the next year.