MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP (MFC-PR-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-F - CA56501R8580
18.92 CAD
+0.17 (+0.91%)
We assign a fundamental rating of 6 out of 10 to MFC-PR-F. MFC-PR-F was compared to 82 industry peers in the Insurance industry. MFC-PR-F 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-F. This makes MFC-PR-F very considerable for value investing!
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-F was profitable.
In the past year MFC-PR-F had a positive cash flow from operations.
Of the past 5 years MFC-PR-F 4 years were profitable.
MFC-PR-F had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.53%, MFC-PR-F is doing good in the industry, outperforming 60.98% of the companies in the same industry.
With a Return On Equity value of 10.48%, MFC-PR-F is not doing good in the industry: 65.85% of the companies in the same industry are doing better.
The Return On Invested Capital of MFC-PR-F (0.75%) is better than 71.95% 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
MFC-PR-F's Profit Margin of 13.87% is amongst the best of the industry. MFC-PR-F outperforms 95.12% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-F has grown nicely.
MFC-PR-F has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-F outperforms 92.68% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-F has grown nicely.
| 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.
Compared to 1 year ago, MFC-PR-F has less shares outstanding
Compared to 5 years ago, MFC-PR-F has less shares outstanding
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's Debt to FCF ratio of 0.44 is amongst the best of the industry. MFC-PR-F outperforms 96.34% of its industry peers.
MFC-PR-F has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-F's Debt to Equity ratio of 0.26 is amongst the best of the industry. MFC-PR-F outperforms 90.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.44%
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.
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.
Looking at the last year, MFC-PR-F shows a small growth in Revenue. The Revenue has grown by 7.70% in the last year.
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 12.43% on average over the next years. This is quite good.
EPS Next Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
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.
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
A Price/Earnings ratio of 4.58 indicates a rather cheap valuation of MFC-PR-F.
Based on the Price/Earnings ratio, MFC-PR-F is valued a bit cheaper than 68.29% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.61. MFC-PR-F is valued rather cheaply when compared to this.
MFC-PR-F is valuated cheaply with a Price/Forward Earnings ratio of 4.15.
Based on the Price/Forward Earnings ratio, MFC-PR-F is valued a bit cheaper than the industry average as 69.51% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of MFC-PR-F to the average of the S&P500 Index (24.01), we can say MFC-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.58 | ||
| Fwd PE | 4.15 |
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 84.15% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MFC-PR-F is valued a bit cheaper than the industry average as 74.39% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.04 | ||
| EV/EBITDA | 1.96 |
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.
MFC-PR-F has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.56
PEG (5Y)0.83
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-F has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.40, MFC-PR-F has a dividend in line with its industry peers.
MFC-PR-F's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
The dividend of MFC-PR-F is nicely growing with an annual growth rate of 20.17%!
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)20.17%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
MFC-PR-F pays out 60.48% of its income as dividend. 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 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP
TSX:MFC-PR-F (12/22/2025, 7:00:00 PM)
18.92
+0.17 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.33%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap31.88B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target20.17 (6.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
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)2.74%
PT rev (3m)-1.08%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.58 | ||
| Fwd PE | 4.15 | ||
| P/S | 0.82 | ||
| P/FCF | 1.04 | ||
| P/OCF | 1.04 | ||
| P/B | 0.62 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | 1.96 |
EPS(TTM)4.13
EY21.83%
EPS(NY)4.56
Fwd EY24.08%
FCF(TTM)18.18
FCFY96.07%
OCF(TTM)18.18
OCFY96.07%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.56
PEG (5Y)0.83
Graham Number53.26
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
WACC8.44%
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 Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
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 Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-72.75%
EBIT Next 3Y-28.58%
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 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 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 8.22% 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 60.48%.