MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-M - CA56501R6923
24.43 CAD
+0.05 (+0.21%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-M. MFC-PR-M was compared to 80 industry peers in the Insurance industry. MFC-PR-M has only an average score on both its financial health and profitability. MFC-PR-M has a decent growth rate and is not valued too expensively. Finally MFC-PR-M also has an excellent dividend rating. This makes MFC-PR-M very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
MFC-PR-M had positive earnings in the past year.
In the past year MFC-PR-M had a positive cash flow from operations.
Of the past 5 years MFC-PR-M 4 years were profitable.
In the past 5 years MFC-PR-M always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.53%, MFC-PR-M perfoms like the industry average, outperforming 57.50% of the companies in the same industry.
The Return On Equity of MFC-PR-M (10.48%) is worse than 71.25% of its industry peers.
MFC-PR-M has a better Return On Invested Capital (0.75%) than 63.75% 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
Looking at the Profit Margin, with a value of 13.87%, MFC-PR-M belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
MFC-PR-M's Profit Margin has improved in the last couple of years.
MFC-PR-M's Operating Margin of 22.75% is amongst the best of the industry. MFC-PR-M outperforms 85.00% 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
MFC-PR-M has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MFC-PR-M has been reduced compared to 1 year ago.
The number of shares outstanding for MFC-PR-M has been reduced compared to 5 years ago.
The debt/assets ratio for MFC-PR-M has been reduced compared to a year ago.
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.
The Debt to FCF ratio of MFC-PR-M (0.44) is better than 88.75% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-M is not too dependend on debt financing.
MFC-PR-M has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. MFC-PR-M outperforms 82.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-M 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-M shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
The Revenue for MFC-PR-M have been decreasing by -13.62% on average. This is quite bad
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 12.43% 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 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.
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
MFC-PR-M is valuated cheaply with a Price/Earnings ratio of 5.92.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-M is on the same level as its industry peers.
MFC-PR-M is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.52, the valuation of MFC-PR-M can be described as very cheap.
MFC-PR-M's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.46. MFC-PR-M is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.92 | ||
| Fwd PE | 5.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-M is valued a bit cheaper than the industry average as 77.50% of the companies are valued more expensively.
MFC-PR-M's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.34 | ||
| EV/EBITDA | 2.9 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.39
PEG (5Y)1.08
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
MFC-PR-M has a Yearly Dividend Yield of 6.16%, which is a nice return.
MFC-PR-M's Dividend Yield is rather good when compared to the industry average which is at 4.42. MFC-PR-M pays more dividend than 92.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, MFC-PR-M pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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 been paying a dividend for at least 10 years, so it has 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
60.48% of the earnings are spent on dividend by MFC-PR-M. This is not a sustainable payout ratio.
MFC-PR-M's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP
TSX:MFC-PR-M (11/21/2025, 7:00:00 PM)
24.43
+0.05 (+0.21%)
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 Cap41.16B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.31 (11.79%)
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 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)0.52%
PT rev (3m)-4.58%
EPS NQ rev (1m)4.21%
EPS NQ rev (3m)4.33%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.92 | ||
| Fwd PE | 5.52 | ||
| P/S | 1.06 | ||
| P/FCF | 1.34 | ||
| P/OCF | 1.34 | ||
| P/B | 0.8 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | 2.9 |
EPS(TTM)4.13
EY16.91%
EPS(NY)4.43
Fwd EY18.11%
FCF(TTM)18.18
FCFY74.4%
OCF(TTM)18.18
OCFY74.4%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)1.39
PEG (5Y)1.08
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
WACC8.37%
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 5Y12.43%
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 5.542 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 5 / 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 4.26% in the next year.