MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-M - CA56501R6923
24.75 CAD
-0.14 (-0.56%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-M. MFC-PR-M was compared to 79 industry peers in the Insurance industry. MFC-PR-M has only an average score on both its financial health and profitability. MFC-PR-M is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-M was profitable.
In the past year MFC-PR-M had a positive cash flow from operations.
MFC-PR-M had positive earnings in 4 of the past 5 years.
In the past 5 years MFC-PR-M always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-M's Return On Assets of 0.53% is in line compared to the rest of the industry. MFC-PR-M outperforms 55.70% of its industry peers.
MFC-PR-M has a worse Return On Equity (10.48%) than 70.89% of its industry peers.
MFC-PR-M has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-M outperforms 65.82% 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-M has a better Profit Margin (13.87%) than 89.87% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-M has grown nicely.
MFC-PR-M has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-M outperforms 87.34% of its industry peers.
MFC-PR-M'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-M is destroying value.
MFC-PR-M has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFC-PR-M has less shares outstanding
MFC-PR-M has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-M is 0.44, which is an excellent value as it means it would take MFC-PR-M, only 0.44 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.44, MFC-PR-M belongs to the best of the industry, outperforming 91.14% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-M is not too dependend on debt financing.
MFC-PR-M has a better Debt to Equity ratio (0.26) than 84.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.33%
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-M 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-M 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
Based on estimates for the next years, MFC-PR-M 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-M 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
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.
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
MFC-PR-M is valuated cheaply with a Price/Earnings ratio of 5.99.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-M is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.92, MFC-PR-M is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.43, the valuation of MFC-PR-M can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-M.
The average S&P500 Price/Forward Earnings ratio is at 23.46. MFC-PR-M is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.99 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
MFC-PR-M's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MFC-PR-M is cheaper than 77.22% of the companies in the same industry.
MFC-PR-M's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.36 | ||
| EV/EBITDA | 2.95 |
4.3 Compensation for Growth
The 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
MFC-PR-M has a Yearly Dividend Yield of 3.51%.
MFC-PR-M's Dividend Yield is slightly below the industry average, which is at 4.35.
MFC-PR-M's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
5.2 History
On average, the dividend of MFC-PR-M grows each year by 20.17%, which is quite nice.
MFC-PR-M has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-M has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
MFC-PR-M pays out 60.48% of its income as dividend. This is not a sustainable payout ratio.
The dividend of MFC-PR-M is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP
TSX:MFC-PR-M (12/24/2025, 7:00:00 PM)
24.75
-0.14 (-0.56%)
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 Cap41.70B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.31 (10.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
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%
PT rev (3m)-1.38%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.83%
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 | 5.99 | ||
| Fwd PE | 5.43 | ||
| P/S | 1.07 | ||
| P/FCF | 1.36 | ||
| P/OCF | 1.36 | ||
| P/B | 0.81 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 2.95 |
EPS(TTM)4.13
EY16.69%
EPS(NY)4.56
Fwd EY18.41%
FCF(TTM)18.18
FCFY73.44%
OCF(TTM)18.18
OCFY73.44%
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
WACC8.33%
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 5.542 PERP / MFC-PR-M.CA FAQ
Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-M.CA.
What is the valuation status for MFC-PR-M stock?
ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA). This can be considered as Fairly Valued.
How profitable is MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) stock?
MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) has a profitability rating of 5 / 10.
How financially healthy is MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) is 5 / 10.
Can you provide the expected EPS growth for MFC-PR-M stock?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) is expected to grow by 8.22% in the next year.