MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-I - CA56501R7830
25.55 CAD
-0.05 (-0.2%)
MFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. MFC-PR-I has an average financial health and profitability rating. MFC-PR-I has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
MFC-PR-I had positive earnings in the past year.
MFC-PR-I had a positive operating cash flow in the past year.
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
The Return On Assets of MFC-PR-I (0.53%) is comparable to the rest of the industry.
MFC-PR-I's Return On Equity of 10.48% is on the low side compared to the rest of the industry. MFC-PR-I is outperformed by 76.83% of its industry peers.
MFC-PR-I has a better Return On Invested Capital (0.75%) than 60.98% 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-I has a better Profit Margin (13.87%) than 84.15% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-I has grown nicely.
MFC-PR-I has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-I outperforms 81.71% of its industry peers.
MFC-PR-I's Operating Margin has improved in the last couple of years.
| 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
MFC-PR-I has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 0.44, which is an excellent value as it means it would take MFC-PR-I, only 0.44 years of fcf income to pay off all of its debts.
MFC-PR-I has a better Debt to FCF ratio (0.44) than 85.37% of its industry peers.
MFC-PR-I has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.26, MFC-PR-I is doing good in the industry, outperforming 79.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.32%
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.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
The Revenue has been growing slightly by 7.70% in the past year.
The Revenue for MFC-PR-I 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
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.
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
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
A Price/Earnings ratio of 6.19 indicates a rather cheap valuation of MFC-PR-I.
Based on the Price/Earnings ratio, MFC-PR-I is valued a bit more expensive than 64.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. MFC-PR-I is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 5.61, the valuation of MFC-PR-I can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-I is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of MFC-PR-I to the average of the S&P500 Index (24.03), we can say MFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.19 | ||
| Fwd PE | 5.61 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-I is valued a bit cheaper than the industry average as 71.95% of the companies are valued more expensively.
MFC-PR-I's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.41 | ||
| EV/EBITDA | 3.09 |
4.3 Compensation for Growth
MFC-PR-I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.75
PEG (5Y)1.13
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-I has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-I's Dividend Yield is comparable with the industry average which is at 3.40.
Compared to an average S&P500 Dividend Yield of 1.88, MFC-PR-I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
On average, the dividend of MFC-PR-I grows each year by 20.17%, which is quite nice.
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 60.48% of its income as dividend. This is not a sustainable payout ratio.
MFC-PR-I's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP
TSX:MFC-PR-I (12/23/2025, 7:00:00 PM)
25.55
-0.05 (-0.2%)
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 Cap43.05B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price TargetN/A
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)0.56%
PT rev (3m)-1.1%
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 | 6.19 | ||
| Fwd PE | 5.61 | ||
| P/S | 1.11 | ||
| P/FCF | 1.41 | ||
| P/OCF | 1.41 | ||
| P/B | 0.84 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.09 |
EPS(TTM)4.13
EY16.16%
EPS(NY)4.56
Fwd EY17.83%
FCF(TTM)18.18
FCFY71.14%
OCF(TTM)18.18
OCFY71.14%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.75
PEG (5Y)1.13
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
WACC8.32%
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 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 6 / 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 6.19 and the Price/Book (PB) ratio is 0.84.
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.