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

Canada • Toronto Stock Exchange • TSX:MFC-PR-F • CA56501R8580

19.05 CAD
+0.01 (+0.05%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall MFC-PR-F gets a fundamental rating of 6 out of 10. We evaluated MFC-PR-F against 78 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-F get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-F may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make MFC-PR-F suitable for value investing!


Dividend Valuation Growth Profitability Health

6

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.
  • MFC-PR-F had positive earnings in 4 of the past 5 years.
  • MFC-PR-F had a positive operating cash flow in each of the past 5 years.
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 0 5B 10B 15B 20B 25B

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 61.54% of the companies in the same industry.
  • MFC-PR-F has a worse Return On Equity (10.48%) than 65.38% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-F is in the better half of the industry, outperforming 73.08% of the companies in the same industry.
Industry RankSector 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
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 0 5 10

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 94.87% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MFC-PR-F has grown nicely.
  • The Operating Margin of MFC-PR-F (22.75%) is better than 92.31% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-F has grown nicely.
Industry RankSector Rank
OM 22.75%
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
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 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-F is destroying value.
  • The number of shares outstanding for MFC-PR-F has been reduced compared to 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 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 200B 400B 600B 800B

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.
  • With an excellent Debt to FCF ratio value of 0.44, MFC-PR-F belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
  • MFC-PR-F has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of MFC-PR-F (0.26) is better than 89.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.59%
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 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 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.55% over the past year.
  • The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
  • MFC-PR-F shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
  • The Revenue for MFC-PR-F have been decreasing by -13.62% on average. This is quite bad
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

  • 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 11.90% on average per year.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%

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.
  • 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • MFC-PR-F is valuated cheaply with a Price/Earnings ratio of 4.61.
  • 69.23% of the companies in the same industry are more expensive than MFC-PR-F, based on the Price/Earnings ratio.
  • MFC-PR-F is valuated cheaply when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 4.17 indicates a rather cheap valuation of MFC-PR-F.
  • 65.38% of the companies in the same industry are more expensive than MFC-PR-F, based on the Price/Forward Earnings ratio.
  • MFC-PR-F's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 4.61
Fwd PE 4.17
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

  • 85.90% of the companies in the same industry are more expensive than MFC-PR-F, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-F is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.05
EV/EBITDA 1.99
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)0.56
PEG (5Y)0.84
EPS Next 2Y8.45%
EPS Next 3Y8.81%

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

5

5. Dividend

5.1 Amount

  • MFC-PR-F has a Yearly Dividend Yield of 3.43%. Purely for dividend investing, there may be better candidates out there.
  • MFC-PR-F's Dividend Yield is comparable with the industry average which is at 3.53.
  • Compared to an average S&P500 Dividend Yield of 1.79, MFC-PR-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.43%

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
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 0.2 0.4 0.6

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 2Y8.45%
EPS Next 3Y8.81%
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 0 5B 10B 15B 20B 25B
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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Find the best dividend stocksShow peers with best dividend

MANULIFE FINANCIAL CORP - MFCCN 2.348 PERP

TSX:MFC-PR-F (2/10/2026, 7:00:00 PM)

19.05

+0.01 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap32.10B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target20.33 (6.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)0.64%
PT rev (3m)2.84%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)3.96%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 4.61
Fwd PE 4.17
P/S 0.83
P/FCF 1.05
P/OCF 1.05
P/B 0.62
P/tB 0.79
EV/EBITDA 1.99
EPS(TTM)4.13
EY21.68%
EPS(NY)4.56
Fwd EY23.95%
FCF(TTM)18.18
FCFY95.41%
OCF(TTM)18.18
OCFY95.41%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.56
PEG (5Y)0.84
Graham Number53.26
Profitability
Industry RankSector 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 RankSector 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
WACC8.59%
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 Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
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 5Y11.9%
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.


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 5 / 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 8.17% in the next year.