MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-I - CA56501R7830
25.81 CAD
-0.09 (-0.35%)
MFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. MFC-PR-I has an average financial health and profitability rating. MFC-PR-I has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-I was profitable.
In the past year MFC-PR-I had a positive cash flow from operations.
MFC-PR-I had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MFC-PR-I had a positive operating cash flow.
1.2 Ratios
MFC-PR-I's Return On Assets of 0.56% is in line compared to the rest of the industry. MFC-PR-I outperforms 52.50% of its industry peers.
With a Return On Equity value of 10.90%, MFC-PR-I is not doing good in the industry: 73.75% of the companies in the same industry are doing better.
MFC-PR-I has a Return On Invested Capital (0.80%) which is in line with its industry peers.
| 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
MFC-PR-I has a Profit Margin of 14.07%. This is amongst the best in the industry. MFC-PR-I outperforms 82.50% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-I has grown nicely.
MFC-PR-I's Operating Margin of 23.25% is fine compared to the rest of the industry. MFC-PR-I outperforms 80.00% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-I has grown nicely.
| 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-I is destroying value.
Compared to 1 year ago, MFC-PR-I has less shares outstanding
Compared to 5 years ago, MFC-PR-I has less shares outstanding
Compared to 1 year ago, MFC-PR-I has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-I is 0.46, which is an excellent value as it means it would take MFC-PR-I, only 0.46 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.46, MFC-PR-I belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
MFC-PR-I has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.27, MFC-PR-I is doing good in the industry, outperforming 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.35%
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.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
The Revenue has grown by 11.59% in the past year. This is quite good.
The Revenue for MFC-PR-I have been decreasing by -13.62% on average. This is quite bad
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
MFC-PR-I is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
MFC-PR-I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.40% yearly.
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
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
Based on the Price/Earnings ratio of 6.50, the valuation of MFC-PR-I can be described as very cheap.
Based on the Price/Earnings ratio, MFC-PR-I is valued a bit more expensive than the industry average as 66.25% of the companies are valued more cheaply.
MFC-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.83, which indicates a rather cheap valuation of MFC-PR-I.
MFC-PR-I's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MFC-PR-I to the average of the S&P500 Index (34.43), we can say MFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 5.83 |
4.2 Price Multiples
71.25% of the companies in the same industry are more expensive than MFC-PR-I, based on the Enterprise Value to EBITDA ratio.
MFC-PR-I's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.53 | ||
| EV/EBITDA | 3.33 |
4.3 Compensation for Growth
MFC-PR-I's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.53
PEG (5Y)1.18
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
MFC-PR-I has a Yearly Dividend Yield of 3.76%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.67, MFC-PR-I has a dividend in line with its industry peers.
MFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
5.2 History
The dividend of MFC-PR-I is nicely growing with an annual growth rate of 20.17%!
MFC-PR-I has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-I 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-I pays out 59.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of MFC-PR-I is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP
TSX:MFC-PR-I (11/12/2025, 7:00:00 PM)
25.81
-0.09 (-0.35%)
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 Cap43.74B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.74
Price Target28.27 (9.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
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)-2.23%
PT rev (3m)-5.2%
EPS NQ rev (1m)-0.9%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 5.83 | ||
| P/S | 1.13 | ||
| P/FCF | 1.53 | ||
| P/OCF | 1.53 | ||
| P/B | 0.88 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | 3.33 |
EPS(TTM)3.97
EY15.38%
EPS(NY)4.43
Fwd EY17.15%
FCF(TTM)16.88
FCFY65.41%
OCF(TTM)16.88
OCFY65.41%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.53
PEG (5Y)1.18
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
WACC8.35%
ROIC/WACC0.1
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
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 5.978 PERP / MFC-PR-I.CA FAQ
What is the fundamental rating for MFC-PR-I stock?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-I.CA.
What is the valuation status for MFC-PR-I stock?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP?
MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for MFC-PR-I stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) is 6.5 and the Price/Book (PB) ratio is 0.88.
What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) stock?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) is 4 / 10.