MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:MFC-PR-L • CA56501R7269
24.94 CAD
0 (0%)
Last: Jan 30, 2026, 07:00 PM
MFC-PR-L gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-L get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-L has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year MFC-PR-L was profitable.
- MFC-PR-L had a positive operating cash flow in the past year.
- Of the past 5 years MFC-PR-L 4 years were profitable.
- In the past 5 years MFC-PR-L always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.53%, MFC-PR-L is in line with its industry, outperforming 55.00% of the companies in the same industry.
- MFC-PR-L's Return On Equity of 10.48% is on the low side compared to the rest of the industry. MFC-PR-L is outperformed by 71.25% of its industry peers.
- MFC-PR-L has a better Return On Invested Capital (0.75%) than 66.25% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- MFC-PR-L's Profit Margin of 13.87% is amongst the best of the industry. MFC-PR-L outperforms 88.75% of its industry peers.
- MFC-PR-L's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 22.75%, MFC-PR-L belongs to the top of the industry, outperforming 86.25% of the companies in the same industry.
- In the last couple of years the Operating Margin of MFC-PR-L has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- MFC-PR-L has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, MFC-PR-L has less shares outstanding
- Compared to 5 years ago, MFC-PR-L has less shares outstanding
- The debt/assets ratio for MFC-PR-L has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of MFC-PR-L is 0.44, which is an excellent value as it means it would take MFC-PR-L, only 0.44 years of fcf income to pay off all of its debts.
- MFC-PR-L has a Debt to FCF ratio of 0.44. This is amongst the best in the industry. MFC-PR-L outperforms 90.00% of its industry peers.
- MFC-PR-L has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.26, MFC-PR-L belongs to the top of the industry, outperforming 83.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.49%
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 grown by an nice 9.55% over the past year.
- MFC-PR-L shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
- MFC-PR-L shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
- Measured over the past years, MFC-PR-L shows a very negative growth in Revenue. The Revenue has been decreasing by -13.62% on average per year.
EPS 1Y (TTM)9.55%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%16%
Revenue 1Y (TTM)7.7%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%
3.2 Future
- Based on estimates for the next years, MFC-PR-L 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-L will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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 6.04, the valuation of MFC-PR-L can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-L is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 28.32. MFC-PR-L is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 5.47, the valuation of MFC-PR-L can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-L is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, MFC-PR-L is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.04 | ||
| Fwd PE | 5.47 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, MFC-PR-L is valued a bit cheaper than 78.75% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, MFC-PR-L is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.37 | ||
| EV/EBITDA | 2.99 |
4.3 Compensation for Growth
- MFC-PR-L's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)1.1
EPS Next 2Y8.45%
EPS Next 3Y8.81%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.39%, MFC-PR-L has a reasonable but not impressive dividend return.
- MFC-PR-L's Dividend Yield is slightly below the industry average, which is at 3.51.
- Compared to an average S&P500 Dividend Yield of 1.83, MFC-PR-L pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
5.2 History
- The dividend of MFC-PR-L is nicely growing with an annual growth rate of 20.17%!
- MFC-PR-L has paid a dividend for at least 10 years, which is a reliable track record.
- MFC-PR-L has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
- 60.48% of the earnings are spent on dividend by MFC-PR-L. This is not a sustainable payout ratio.
- The dividend of MFC-PR-L is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP / MFC-PR-L.CA FAQ
Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-L.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP?
ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA). This can be considered as Fairly Valued.
What is the profitability of MFC-PR-L stock?
MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) is 6.04 and the Price/Book (PB) ratio is 0.82.
Can you provide the expected EPS growth for MFC-PR-L stock?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) is expected to grow by 8.17% in the next year.