MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-J - CA56501R7673
24.96 CAD
-0.06 (-0.24%)
Taking everything into account, MFC-PR-J scores 5 out of 10 in our fundamental rating. MFC-PR-J was compared to 80 industry peers in the Insurance industry. MFC-PR-J has only an average score on both its financial health and profitability. MFC-PR-J has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MFC-PR-J had positive earnings in the past year.
MFC-PR-J had a positive operating cash flow in the past year.
Of the past 5 years MFC-PR-J 4 years were profitable.
In the past 5 years MFC-PR-J always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-J's Return On Assets of 0.56% is in line compared to the rest of the industry. MFC-PR-J outperforms 55.00% of its industry peers.
Looking at the Return On Equity, with a value of 10.90%, MFC-PR-J is doing worse than 73.75% of the companies in the same industry.
With a decent Return On Invested Capital value of 0.80%, MFC-PR-J is doing good in the industry, outperforming 61.25% of the companies in the same industry.
| 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
The Profit Margin of MFC-PR-J (14.07%) is better than 85.00% of its industry peers.
MFC-PR-J's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 23.25%, MFC-PR-J belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
In the last couple of years the Operating Margin of MFC-PR-J 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-J is destroying value.
MFC-PR-J has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFC-PR-J has less shares outstanding
Compared to 1 year ago, MFC-PR-J has an improved debt to assets ratio.
2.2 Solvency
MFC-PR-J has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
MFC-PR-J has a better Debt to FCF ratio (0.46) than 86.25% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-J is not too dependend on debt financing.
MFC-PR-J has a better Debt to Equity ratio (0.27) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-J shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.99%, which is quite good.
MFC-PR-J shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
The Revenue has grown by 11.76% in the past year. This is quite good.
The Revenue for MFC-PR-J have been decreasing by -13.62% on average. This is quite bad
EPS 1Y (TTM)9.99%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%17.66%
Revenue 1Y (TTM)11.76%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%
3.2 Future
The Earnings Per Share is expected to grow by 5.15% on average over the next years.
Based on estimates for the next years, MFC-PR-J will show a quite strong growth in Revenue. The Revenue will grow by 11.40% 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 5Y11.4%
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 stable.
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 6.01, the valuation of MFC-PR-J can be described as very cheap.
Based on the Price/Earnings ratio, MFC-PR-J is valued a bit more expensive than 60.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, MFC-PR-J is valued rather cheaply.
A Price/Forward Earnings ratio of 5.64 indicates a rather cheap valuation of MFC-PR-J.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-J is on the same level as its industry peers.
MFC-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.01 | ||
| Fwd PE | 5.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-J is valued a bit cheaper than the industry average as 73.75% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-J is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| EV/EBITDA | 3.2 |
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)1.41
PEG (5Y)1.1
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.51%, MFC-PR-J is a good candidate for dividend investing.
MFC-PR-J's Dividend Yield is slightly below the industry average, which is at 4.42.
MFC-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
On average, the dividend of MFC-PR-J grows each year by 20.17%, which is quite nice.
MFC-PR-J has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
MFC-PR-J 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-J 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 6.159 PERP
TSX:MFC-PR-J (11/21/2025, 7:00:00 PM)
24.96
-0.06 (-0.24%)
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 Cap42.29B
Revenue(TTM)37.44B
Net Income(TTM)5.43B
Analysts74.74
Price Target27.59 (10.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years2
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)-4.35%
PT rev (3m)-7.62%
EPS NQ rev (1m)-0.13%
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 | 6.01 | ||
| Fwd PE | 5.64 | ||
| P/S | 1.09 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.48 | ||
| P/B | 0.85 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | 3.2 |
EPS(TTM)4.15
EY16.63%
EPS(NY)4.43
Fwd EY17.73%
FCF(TTM)16.88
FCFY67.64%
OCF(TTM)16.88
OCFY67.64%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.41
PEG (5Y)1.1
Graham Number52.41
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
WACC8.36%
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)9.99%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%17.66%
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.76%
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 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 6.159 PERP / MFC-PR-J.CA FAQ
What is the fundamental rating for MFC-PR-J stock?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-J.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA). This can be considered as Fairly Valued.
How profitable is MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 6.01 and the Price/Book (PB) ratio is 0.85.
How sustainable is the dividend of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 6 / 10 and the dividend payout ratio is 59.31%.