MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-K - CA56501R7426
24.71 CAD
+0.01 (+0.04%)
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. MFC-PR-K has only an average score on both its financial health and profitability. MFC-PR-K has a correct valuation and a medium growth rate. MFC-PR-K also has an excellent dividend rating.
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.
In the past 5 years MFC-PR-K always reported a positive cash flow from operatings.
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.
With a decent Return On Invested Capital value of 0.80%, MFC-PR-K 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
MFC-PR-K's Profit Margin of 14.07% is amongst the best of the industry. MFC-PR-K outperforms 86.25% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-K has grown nicely.
With an excellent Operating Margin value of 23.25%, MFC-PR-K belongs to the best of the industry, outperforming 83.75% of the companies in the same industry.
MFC-PR-K's Operating Margin has improved in the last couple of years.
| 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
MFC-PR-K has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MFC-PR-K has been reduced compared to 1 year ago.
Compared to 5 years ago, MFC-PR-K has less shares outstanding
MFC-PR-K has a better debt/assets ratio than last year.
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.
MFC-PR-K's Debt to Equity ratio of 0.27 is fine compared to the rest of the industry. MFC-PR-K outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
MFC-PR-K shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.59%.
MFC-PR-K shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
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
Based on estimates for the next years, MFC-PR-K will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
MFC-PR-K is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.05% 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 5Y11.05%
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.
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
A Price/Earnings ratio of 6.22 indicates a rather cheap valuation of MFC-PR-K.
Based on the Price/Earnings ratio, MFC-PR-K is valued a bit more expensive than 61.25% of the companies in the same industry.
MFC-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.59, the valuation of MFC-PR-K can be described as very cheap.
MFC-PR-K's Price/Forward Earnings ratio is in line with the industry average.
MFC-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.22 | ||
| Fwd PE | 5.59 |
4.2 Price Multiples
72.50% of the companies in the same industry are more expensive than MFC-PR-K, based on the Enterprise Value to EBITDA ratio.
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 6.43%, MFC-PR-K is a good candidate for dividend investing.
MFC-PR-K's Dividend Yield is rather good when compared to the industry average which is at 5.16. MFC-PR-K pays more dividend than 91.25% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, MFC-PR-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.43% |
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 been paying a dividend for at least 10 years, so it has 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
MFC-PR-K pays out 59.31% of its income as dividend. 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 (9/22/2025, 7:00:00 PM)
24.71
+0.01 (+0.04%)
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 Cap41.87B
Analysts76.47
Price Target28.63 (15.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.43% |
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)-1.88%
PT rev (3m)4.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.13%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.22 | ||
| Fwd PE | 5.59 | ||
| 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
EY16.07%
EPS(NY)4.42
Fwd EY17.88%
FCF(TTM)16.88
FCFY68.32%
OCF(TTM)16.88
OCFY68.32%
SpS22.8
BVpS29.42
TBVpS23.03
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
WACC8.52%
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 5Y11.05%
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%