MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP (MFC-PR-L.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-L - CA56501R7269
24.22 CAD
+0.04 (+0.17%)
Taking everything into account, MFC-PR-L scores 5 out of 10 in our fundamental rating. MFC-PR-L was compared to 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. Finally MFC-PR-L also has an excellent dividend rating. This makes MFC-PR-L very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-L was profitable.
In the past year MFC-PR-L had a positive cash flow from operations.
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 of 0.53%. This is comparable to the rest of the industry: MFC-PR-L outperforms 58.75% of its industry peers.
MFC-PR-L has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-L underperforms 70.00% 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 65.00% 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
With an excellent Profit Margin value of 13.87%, MFC-PR-L belongs to the best of the industry, outperforming 88.75% of the companies in the same industry.
MFC-PR-L's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 22.75%, MFC-PR-L belongs to the best of the industry, outperforming 86.25% of the companies in the same industry.
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
MFC-PR-L has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MFC-PR-L has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MFC-PR-L has been reduced compared to 5 years ago.
The debt/assets ratio for MFC-PR-L has been reduced compared to a year ago.
2.2 Solvency
MFC-PR-L has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
MFC-PR-L has a better Debt to FCF ratio (0.44) than 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.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-L belongs to the best 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
WACC8.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-L shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
MFC-PR-L shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
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
The Earnings Per Share is expected to grow by 5.15% on average over the next years.
The Revenue is expected to grow by 11.40% on average over the next years. This is quite good.
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
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
With a Price/Earnings ratio of 5.86, the valuation of MFC-PR-L can be described as very cheap.
The rest of the industry has a similar Price/Earnings ratio as MFC-PR-L.
When comparing the Price/Earnings ratio of MFC-PR-L to the average of the S&P500 Index (25.47), we can say MFC-PR-L is valued rather cheaply.
MFC-PR-L is valuated cheaply with a Price/Forward Earnings ratio of 5.47.
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.
The average S&P500 Price/Forward Earnings ratio is at 34.42. MFC-PR-L is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.86 | ||
| Fwd PE | 5.47 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-L indicates a somewhat cheap valuation: MFC-PR-L is cheaper than 78.75% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-L is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.34 | ||
| EV/EBITDA | 2.89 |
4.3 Compensation for Growth
MFC-PR-L's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)1.07
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.16%, MFC-PR-L is a good candidate for dividend investing.
MFC-PR-L's Dividend Yield is rather good when compared to the industry average which is at 4.36. MFC-PR-L pays more dividend than 93.75% of the companies in the same industry.
MFC-PR-L's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
5.2 History
On average, the dividend of MFC-PR-L grows each year by 20.17%, which is quite nice.
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
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 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.775 PERP
TSX:MFC-PR-L (11/21/2025, 7:00:00 PM)
24.22
+0.04 (+0.17%)
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 Cap41.04B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.15 (12.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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)-0.84%
PT rev (3m)-2.92%
EPS NQ rev (1m)3.73%
EPS NQ rev (3m)3.68%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.86 | ||
| Fwd PE | 5.47 | ||
| P/S | 1.06 | ||
| P/FCF | 1.34 | ||
| P/OCF | 1.34 | ||
| P/B | 0.8 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | 2.89 |
EPS(TTM)4.13
EY17.05%
EPS(NY)4.43
Fwd EY18.27%
FCF(TTM)18.07
FCFY74.63%
OCF(TTM)18.07
OCFY74.63%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.38
PEG (5Y)1.07
Graham Number53.11
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
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 5 / 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 5.86 and the Price/Book (PB) ratio is 0.8.
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.