MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-K - CA56501R7426
25.15 CAD
+0.16 (+0.64%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-K. MFC-PR-K was compared to 81 industry peers in the Insurance industry. MFC-PR-K has an average financial health and profitability rating. 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.
In the past year MFC-PR-K had a positive cash flow from operations.
MFC-PR-K had positive earnings in 4 of the past 5 years.
MFC-PR-K had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MFC-PR-K (0.56%) is comparable to the rest of the 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 71.60% of its industry peers.
MFC-PR-K's Return On Invested Capital of 0.80% is fine compared to the rest of the industry. MFC-PR-K outperforms 62.96% 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
MFC-PR-K has a Profit Margin of 14.07%. This is amongst the best in the industry. MFC-PR-K outperforms 86.42% of its industry peers.
MFC-PR-K's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 23.25%, MFC-PR-K belongs to the top of the industry, outperforming 83.95% of the companies in the same industry.
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
MFC-PR-K has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MFC-PR-K has less shares outstanding than it did 1 year ago.
MFC-PR-K has less shares outstanding than it did 5 years ago.
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.
MFC-PR-K has a better Debt to FCF ratio (0.46) than 87.65% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-K is not too dependend on debt financing.
MFC-PR-K has a Debt to Equity ratio of 0.27. This is in the better half of the industry: MFC-PR-K outperforms 70.37% 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-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
MFC-PR-K 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 11.59% in the past year. This is quite good.
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
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.
Based on estimates for the next years, MFC-PR-K will show a quite strong growth in Revenue. The Revenue will grow by 11.24% on average per year.
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
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 6.34 indicates a rather cheap valuation of MFC-PR-K.
60.49% of the companies in the same industry are cheaper than MFC-PR-K, based on the Price/Earnings ratio.
MFC-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
MFC-PR-K is valuated cheaply with a Price/Forward Earnings ratio of 5.70.
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 (22.53), we can say MFC-PR-K is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.34 | ||
| Fwd PE | 5.7 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-K is valued a bit cheaper than the industry average as 75.31% of the companies are valued more expensively.
MFC-PR-K's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.49 | ||
| EV/EBITDA | 3.22 |
4.3 Compensation for Growth
MFC-PR-K's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.5
PEG (5Y)1.15
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
MFC-PR-K has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-K's Dividend Yield is slightly below the industry average, which is at 3.90.
Compared to an average S&P500 Dividend Yield of 2.38, MFC-PR-K pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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.
The dividend of MFC-PR-K is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP
TSX:MFC-PR-K (10/31/2025, 7:00:00 PM)
25.15
+0.16 (+0.64%)
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 Cap42.62B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target27.53 (9.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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)-3.84%
PT rev (3m)-7.97%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-1.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.34 | ||
| Fwd PE | 5.7 | ||
| P/S | 1.1 | ||
| P/FCF | 1.49 | ||
| P/OCF | 1.49 | ||
| P/B | 0.85 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | 3.22 |
EPS(TTM)3.97
EY15.79%
EPS(NY)4.41
Fwd EY17.54%
FCF(TTM)16.88
FCFY67.13%
OCF(TTM)16.88
OCFY67.13%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.5
PEG (5Y)1.15
Graham Number51.26
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
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 5Y11.24%
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 6.35 PERP / MFC-PR-K.CA FAQ
What is the ChartMill fundamental rating of MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-K.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP?
MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for MFC-PR-K stock?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) is expected to grow by 4.23% in the next year.
Is the dividend of MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP sustainable?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 6.35 PERP (MFC-PR-K.CA) is 5 / 10 and the dividend payout ratio is 59.31%.