MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-L - CA56501R7269
24.66 CAD
+0.04 (+0.16%)
Taking everything into account, MFC-PR-L scores 5 out of 10 in our fundamental rating. MFC-PR-L was compared to 82 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
MFC-PR-L had positive earnings in the past year.
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
MFC-PR-L has a Return On Assets (0.53%) which is comparable to the rest of the industry.
The Return On Equity of MFC-PR-L (10.48%) is worse than 70.73% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-L is in the better half of the industry, outperforming 65.85% of the companies in the same industry.
| 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 89.02% of its industry peers.
MFC-PR-L's Profit Margin has improved in the last couple of years.
MFC-PR-L has a better Operating Margin (22.75%) than 86.59% of its industry peers.
MFC-PR-L's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-L is destroying value.
The number of shares outstanding for MFC-PR-L has been reduced compared to 1 year ago.
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.
Looking at the Debt to FCF ratio, with a value of 0.44, MFC-PR-L belongs to the top of the industry, outperforming 90.24% of the companies in the same industry.
MFC-PR-L has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-L belongs to the best of the industry, outperforming 84.15% 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
WACC8.3%
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.
The Revenue has been growing slightly by 7.70% in the past year.
MFC-PR-L shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
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
MFC-PR-L is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
Based on estimates for the next years, MFC-PR-L will show a quite strong growth in Revenue. The Revenue will grow by 12.43% on average per year.
EPS Next Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
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
The Price/Earnings ratio is 5.97, which indicates a rather cheap valuation of MFC-PR-L.
MFC-PR-L's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of MFC-PR-L to the average of the S&P500 Index (26.55), we can say MFC-PR-L is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.41, the valuation of MFC-PR-L can be described as very cheap.
MFC-PR-L's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.78. MFC-PR-L is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.97 | ||
| Fwd PE | 5.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-L is valued a bit cheaper than the industry average as 76.83% of the companies are valued more expensively.
MFC-PR-L's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.36 | ||
| EV/EBITDA | 2.94 |
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)0.73
PEG (5Y)1.09
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.59%, MFC-PR-L has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.59, MFC-PR-L has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, MFC-PR-L pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
5.2 History
The dividend of MFC-PR-L is nicely growing with an annual growth rate of 20.17%!
MFC-PR-L has been paying a dividend for at least 10 years, so it has 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
MFC-PR-L pays out 60.48% of its income as dividend. This is not a sustainable payout ratio.
MFC-PR-L's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP
TSX:MFC-PR-L (12/15/2025, 7:00:00 PM)
24.66
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.33%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap41.55B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target26.88 (9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.09%
Min EPS beat(2)-2.89%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.88%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)4.13%
EPS beat(12)9
Avg EPS beat(12)4.52%
EPS beat(16)11
Avg EPS beat(16)2.93%
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)-0.11%
PT rev (3m)-3.68%
EPS NQ rev (1m)3.65%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.97 | ||
| Fwd PE | 5.41 | ||
| P/S | 1.07 | ||
| P/FCF | 1.36 | ||
| P/OCF | 1.36 | ||
| P/B | 0.81 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 2.94 |
EPS(TTM)4.13
EY16.75%
EPS(NY)4.56
Fwd EY18.47%
FCF(TTM)18.18
FCFY73.71%
OCF(TTM)18.18
OCFY73.71%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.73
PEG (5Y)1.09
Graham Number53.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 10.48% | ||
| ROCE | 0.88% | ||
| ROIC | 0.75% | ||
| ROICexc | 0.77% | ||
| ROICexgc | 1.81% | ||
| OM | 22.75% | ||
| PM (TTM) | 13.87% | ||
| GM | N/A | ||
| FCFM | 78.76% |
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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Debt/EBITDA | 1.35 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.76 | ||
| Cash Conversion | 308.74% | ||
| Profit Quality | 568.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.3%
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)9.55%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%16%
EPS Next Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
EPS Next 5Y5.15%
Revenue 1Y (TTM)7.7%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-72.75%
EBIT Next 3Y-28.58%
EBIT Next 5YN/A
FCF growth 1Y60.02%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y60.02%
OCF growth 3Y4.59%
OCF growth 5Y5.22%
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.
What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) stock?
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.
Can you provide the PE and PB ratios for MFC-PR-L stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) is 5.97 and the Price/Book (PB) ratio is 0.81.
Can you provide the financial health for MFC-PR-L stock?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) is 5 / 10.