MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-I - CA56501R7830
25.57 CAD
+0.03 (+0.12%)
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 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.
In the past 5 years MFC-PR-I always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.53%, MFC-PR-I is in line with its industry, outperforming 48.78% of the companies in the same industry.
MFC-PR-I has a worse Return On Equity (10.48%) than 76.83% of its industry peers.
The Return On Invested Capital of MFC-PR-I (0.75%) is comparable to the rest of the 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
The Profit Margin of MFC-PR-I (13.87%) is better than 82.93% of its industry peers.
MFC-PR-I's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 22.75%, MFC-PR-I belongs to the top of the industry, outperforming 80.49% 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.
MFC-PR-I has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFC-PR-I has less shares outstanding
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's Debt to FCF ratio of 0.44 is amongst the best of the industry. MFC-PR-I outperforms 84.15% 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.
The Debt to Equity ratio of MFC-PR-I (0.26) is better than 78.05% 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.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
Looking at the last year, MFC-PR-I shows a small growth in Revenue. The Revenue has grown by 7.70% in the last year.
Measured over the past years, MFC-PR-I 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-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 12.43% yearly.
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
The Price/Earnings ratio is 6.19, which indicates a rather cheap valuation of MFC-PR-I.
65.85% of the companies in the same industry are cheaper than MFC-PR-I, based on the Price/Earnings ratio.
MFC-PR-I's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.26.
MFC-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 5.61.
MFC-PR-I's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, MFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.19 | ||
| Fwd PE | 5.61 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-I indicates a somewhat cheap valuation: MFC-PR-I is cheaper than 70.73% of the companies listed in the same industry.
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
The 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 3.59%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.59, 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
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 been paying a dividend for at least 10 years, so it has 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
60.48% of the earnings are spent on dividend by MFC-PR-I. This is not a sustainable payout ratio.
The dividend of MFC-PR-I 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 5.978 PERP
TSX:MFC-PR-I (12/18/2025, 7:00:00 PM)
25.57
+0.03 (+0.12%)
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 Cap43.09B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.86 (8.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
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)-1.43%
PT rev (3m)-1.1%
EPS NQ rev (1m)3.65%
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
EY16.15%
EPS(NY)4.56
Fwd EY17.82%
FCF(TTM)18.18
FCFY71.08%
OCF(TTM)18.18
OCFY71.08%
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
WACC8.28%
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 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.