MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) Stock Fundamental Analysis
TSX:MFC-PR-K - CA56501R7426
24.66 CAD
0 (0%)
Overall MFC-PR-K gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-K against 80 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-K get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-K has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-K was profitable.
MFC-PR-K had a positive operating cash flow in the past year.
MFC-PR-K had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MFC-PR-K had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.56%, MFC-PR-K perfoms like the industry average, outperforming 52.50% of the companies in the same industry.
MFC-PR-K's Return On Equity of 10.90% is on the low side compared to the rest of the industry. MFC-PR-K is outperformed by 71.25% of its industry peers.
The Return On Invested Capital of MFC-PR-K (0.80%) is better than 61.25% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 14.07%, MFC-PR-K belongs to the top of the industry, outperforming 86.25% of the companies in the same industry.
MFC-PR-K's Profit Margin has improved in the last couple of years.
MFC-PR-K's Operating Margin of 23.25% is amongst the best of the industry. MFC-PR-K outperforms 83.75% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-K 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-K is destroying value.
Compared to 1 year ago, MFC-PR-K has less shares outstanding
Compared to 5 years ago, MFC-PR-K has less shares outstanding
The debt/assets ratio for MFC-PR-K has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-K is 0.46, which is an excellent value as it means it would take MFC-PR-K, only 0.46 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MFC-PR-K (0.46) is better than 87.50% of its industry peers.
MFC-PR-K has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.27, MFC-PR-K is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.56%
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 been growing slightly by 7.59% over the past year.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
Looking at the last year, MFC-PR-K shows a quite strong growth in Revenue. The Revenue has grown by 11.59% in the last year.
Measured over the past years, MFC-PR-K shows a very negative growth in Revenue. The Revenue has been decreasing by -13.62% on average per year.
EPS 1Y (TTM)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
3.2 Future
MFC-PR-K 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-K is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.14% yearly.
EPS Next Y4.29%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.14%
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
With a Price/Earnings ratio of 6.21, the valuation of MFC-PR-K can be described as very cheap.
Based on the Price/Earnings ratio, MFC-PR-K is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.13. MFC-PR-K is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.58, which indicates a rather cheap valuation of MFC-PR-K.
MFC-PR-K's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MFC-PR-K to the average of the S&P500 Index (22.76), we can say MFC-PR-K is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.21 | ||
| Fwd PE | 5.58 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-K indicates a somewhat cheap valuation: MFC-PR-K is cheaper than 72.50% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as MFC-PR-K.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.46 | ||
| EV/EBITDA | 3.15 |
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 2Y6.7%
EPS Next 3Y7.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.17%, MFC-PR-K is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.93, MFC-PR-K is paying slightly less dividend.
MFC-PR-K's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
5.2 History
On average, the dividend of MFC-PR-K grows each year by 20.17%, which is quite nice.
MFC-PR-K has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-K 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
59.31% of the earnings are spent on dividend by MFC-PR-K. This is a bit on the high side, but may be sustainable.
MFC-PR-K's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP
TSX:MFC-PR-K (8/29/2025, 7:00:00 PM)
24.66
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.65%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap41.89B
Analysts76.67
Price Target28.87 (17.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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)-3.48%
PT rev (3m)6.24%
EPS NQ rev (1m)-0.59%
EPS NQ rev (3m)-1.58%
EPS NY rev (1m)-3.13%
EPS NY rev (3m)-3.13%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.31%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.21 | ||
| Fwd PE | 5.58 | ||
| P/S | 1.08 | ||
| P/FCF | 1.46 | ||
| P/OCF | 1.46 | ||
| P/B | 0.84 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | 3.15 |
EPS(TTM)3.97
EY16.1%
EPS(NY)4.42
Fwd EY17.91%
FCF(TTM)16.84
FCFY68.3%
OCF(TTM)16.84
OCFY68.3%
SpS22.74
BVpS29.35
TBVpS22.98
PEG (NY)1.45
PEG (5Y)1.13
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
ROICexcg growth 3Y-2.15%
ROICexcg 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
WACC8.56%
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.29%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.14%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-70.64%
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%