MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-I - CA56501R7830
25.53 CAD
-0.02 (-0.08%)
MFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. MFC-PR-I has only an average score on both its financial health and profitability. MFC-PR-I is not valued too expensively and it also shows a decent growth rate. MFC-PR-I also has an excellent dividend rating.
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.
Of the past 5 years MFC-PR-I 4 years were profitable.
MFC-PR-I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MFC-PR-I's Return On Assets of 0.53% is in line compared to the rest of the industry. MFC-PR-I outperforms 49.38% of its industry peers.
MFC-PR-I has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-I underperforms 75.31% of its industry peers.
With a Return On Invested Capital value of 0.75%, MFC-PR-I perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
| 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 Profit Margin of 13.87%. This is amongst the best in the industry. MFC-PR-I outperforms 83.95% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-I has grown nicely.
Looking at the Operating Margin, with a value of 22.75%, MFC-PR-I belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
In the last couple of years the Operating Margin of MFC-PR-I 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-I is destroying value.
Compared to 1 year ago, MFC-PR-I has less shares outstanding
The number of shares outstanding for MFC-PR-I has been reduced compared to 5 years ago.
MFC-PR-I has a better debt/assets ratio than last year.
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 85.19% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-I is not too dependend on debt financing.
MFC-PR-I has a Debt to Equity ratio of 0.26. This is in the better half of the industry: MFC-PR-I outperforms 79.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
MFC-PR-I shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
MFC-PR-I shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
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.
Based on estimates for the next years, MFC-PR-I will show a quite strong growth in Revenue. The Revenue will grow by 12.43% on average per year.
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 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.
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.
4. Valuation
4.1 Price/Earnings Ratio
MFC-PR-I is valuated cheaply with a Price/Earnings ratio of 6.18.
64.20% of the companies in the same industry are cheaper than MFC-PR-I, based on the Price/Earnings ratio.
MFC-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.77, which indicates a rather cheap valuation of MFC-PR-I.
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.
MFC-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 5.77 |
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 71.60% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-I is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.4 | ||
| EV/EBITDA | 3.09 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.45
PEG (5Y)1.13
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.08%, MFC-PR-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, MFC-PR-I pays a better dividend. On top of this MFC-PR-I pays more dividend than 88.89% of the companies listed in the same industry.
MFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
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 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP
TSX:MFC-PR-I (12/5/2025, 7:00:00 PM)
25.53
-0.02 (-0.08%)
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 Cap43.02B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.86 (9.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
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)-1.19%
PT rev (3m)-3.79%
EPS NQ rev (1m)3.62%
EPS NQ rev (3m)4.16%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 5.77 | ||
| P/S | 1.11 | ||
| P/FCF | 1.4 | ||
| P/OCF | 1.4 | ||
| P/B | 0.84 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.09 |
EPS(TTM)4.13
EY16.18%
EPS(NY)4.43
Fwd EY17.33%
FCF(TTM)18.18
FCFY71.2%
OCF(TTM)18.18
OCFY71.2%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)1.45
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
WACC8.28%
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y12.43%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
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 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 6.18 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.