MANULIFE FINANCIAL CORP - MFCCN 5.542 PERP (MFC-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-M - CA56501R6923
24.67 CAD
-0.08 (-0.32%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-M. MFC-PR-M was compared to 82 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-M get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-M has a correct valuation and a medium 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.
MFC-PR-M had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.53%, MFC-PR-M perfoms like the industry average, outperforming 53.66% of the companies in the same industry.
MFC-PR-M has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-M underperforms 71.95% of its industry peers.
The Return On Invested Capital of MFC-PR-M (0.75%) is better than 64.63% 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's Profit Margin of 13.87% is amongst the best of the industry. MFC-PR-M outperforms 87.80% 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 better Operating Margin (22.75%) than 85.37% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-M 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-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.
MFC-PR-M has a better debt/assets ratio than last year.
2.2 Solvency
MFC-PR-M 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.
The Debt to FCF ratio of MFC-PR-M (0.44) is better than 89.02% of its industry peers.
MFC-PR-M has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-M has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. MFC-PR-M outperforms 82.93% of its industry peers.
| 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.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
Looking at the last year, MFC-PR-M shows a small growth in Revenue. The Revenue has grown by 7.70% in the last year.
Measured over the past years, MFC-PR-M 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-M will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
The Revenue is expected to grow by 12.43% on average over the next years. This is quite good.
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.
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 5.97.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-M indicates a slightly more expensive valuation: MFC-PR-M is more expensive than 60.98% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MFC-PR-M to the average of the S&P500 Index (26.56), we can say MFC-PR-M is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.42, 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.
MFC-PR-M is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.97 | ||
| Fwd PE | 5.42 |
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 75.61% of the companies are valued more expensively.
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 | 2.94 |
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
With a Yearly Dividend Yield of 3.59%, MFC-PR-M has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.59, MFC-PR-M has a dividend in line with its industry peers.
MFC-PR-M's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
5.2 History
The dividend of MFC-PR-M is nicely growing with an annual growth rate of 20.17%!
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.
MFC-PR-M'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 5.542 PERP
TSX:MFC-PR-M (12/12/2025, 7:00:00 PM)
24.67
-0.08 (-0.32%)
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 Cap41.57B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.31 (10.7%)
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 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)2.2%
PT rev (3m)-1.38%
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 | 5.42 | ||
| 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
EY16.74%
EPS(NY)4.56
Fwd EY18.47%
FCF(TTM)18.18
FCFY73.68%
OCF(TTM)18.18
OCFY73.68%
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 5.542 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.