MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) Stock Fundamental Analysis

TSX:MFC-PR-I • CA56501R7830

25.59 CAD
+0.04 (+0.16%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to MFC-PR-I. MFC-PR-I was compared to 78 industry peers in the Insurance industry. While MFC-PR-I is still in line with the averages on profitability rating, there are concerns on its financial health. MFC-PR-I is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • MFC-PR-I had positive earnings in the past year.
  • In the past year MFC-PR-I had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: MFC-PR-I reported negative net income in multiple years.
  • Of the past 5 years MFC-PR-I 4 years had a positive operating cash flow.
MFC-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-I.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

  • With a Return On Assets value of 0.53%, MFC-PR-I perfoms like the industry average, outperforming 51.28% of the companies in the same industry.
  • The Return On Equity of MFC-PR-I (10.48%) is worse than 76.92% of its industry peers.
  • The Return On Invested Capital of MFC-PR-I (0.75%) is better than 61.54% of its industry peers.
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-I.CA Yearly ROA, ROE, ROICMFC-PR-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • With an excellent Profit Margin value of 13.87%, MFC-PR-I belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • MFC-PR-I's Profit Margin has improved in the last couple of years.
  • MFC-PR-I has a better Operating Margin (22.75%) than 80.77% of its industry peers.
  • MFC-PR-I's Operating Margin has improved in the last couple of years.
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-I.CA Yearly Profit, Operating, Gross MarginsMFC-PR-I.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

3

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.
  • MFC-PR-I has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MFC-PR-I.CA Yearly Shares OutstandingMFC-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-I.CA Yearly Total Debt VS Total AssetsMFC-PR-I.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

  • 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 84.62% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that MFC-PR-I is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.26, MFC-PR-I is doing good in the industry, outperforming 78.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.48%
MFC-PR-I.CA Yearly LT Debt VS Equity VS FCFMFC-PR-I.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-I.CA Yearly Current Assets VS Current LiabilitesMFC-PR-I.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

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.88% over the past year.
  • MFC-PR-I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.69% yearly.
EPS 1Y (TTM)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%

3.2 Future

  • Based on estimates for the next years, MFC-PR-I will show a small growth in Earnings Per Share. The EPS will grow by 4.47% on average per year.
  • MFC-PR-I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.25% yearly.
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MFC-PR-I.CA Yearly Revenue VS EstimatesMFC-PR-I.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-I.CA Yearly EPS VS EstimatesMFC-PR-I.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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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.11, which 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 60.26% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MFC-PR-I to the average of the S&P500 Index (26.68), we can say MFC-PR-I is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.61, the valuation of MFC-PR-I can be described as very cheap.
  • MFC-PR-I's Price/Forward Earnings ratio is in line with the industry average.
  • MFC-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 6.11
Fwd PE 5.61
MFC-PR-I.CA Price Earnings VS Forward Price EarningsMFC-PR-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MFC-PR-I is valued a bit cheaper than 73.08% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-I is valued a bit cheaper than the industry average as 74.36% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.4
EV/EBITDA 3.08
MFC-PR-I.CA Per share dataMFC-PR-I.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.68
PEG (5Y)0.7
EPS Next 2Y9.27%
EPS Next 3Y5.23%

More info and screens

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

5

5. Dividend

5.1 Amount

  • MFC-PR-I has a Yearly Dividend Yield of 3.98%.
  • Compared to an average industry Dividend Yield of 3.92, 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 1.84.
Industry RankSector Rank
Dividend Yield 3.98%

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
MFC-PR-I.CA Yearly Dividends per shareMFC-PR-I.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

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 2Y9.27%
EPS Next 3Y5.23%
MFC-PR-I.CA Yearly Income VS Free CF VS DividendMFC-PR-I.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-I.CA Dividend Payout.MFC-PR-I.CA Dividend Payout, showing the Payout Ratio.MFC-PR-I.CA Dividend Payout.PayoutRetained Earnings

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MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP

TSX:MFC-PR-I (2/13/2026, 7:00:00 PM)

25.59

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.92B
Revenue(TTM)N/A
Net Income(TTM)5.39B
Analysts75.79
Price Target27.45 (7.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
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)-0.39%
PT rev (3m)-0.91%
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 6.11
Fwd PE 5.61
P/S 1.1
P/FCF 1.4
P/OCF 1.4
P/B 0.83
P/tB 1.06
EV/EBITDA 3.08
EPS(TTM)4.19
EY16.37%
EPS(NY)4.56
Fwd EY17.83%
FCF(TTM)18.26
FCFY71.36%
OCF(TTM)18.26
OCFY71.36%
SpS23.18
BVpS30.67
TBVpS24.13
PEG (NY)0.68
PEG (5Y)0.7
Graham Number53.77
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
WACC8.48%
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)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
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 4 / 10 to MFC-PR-I.CA.


Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP?

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 4 / 10.


What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) stock?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) is 6.11 and the Price/Book (PB) ratio is 0.83.


What is the expected EPS growth for MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) stock?

The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.978 PERP (MFC-PR-I.CA) is expected to grow by 9.02% in the next year.