MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-N - CA56501R6766
24.49 CAD
0 (0%)
MFC-PR-N gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. MFC-PR-N has only an average score on both its financial health and profitability. MFC-PR-N 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-N was profitable.
MFC-PR-N had a positive operating cash flow in the past year.
Of the past 5 years MFC-PR-N 4 years were profitable.
MFC-PR-N had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MFC-PR-N has a Return On Assets (0.56%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 10.90%, MFC-PR-N is doing worse than 68.75% of the companies in the same industry.
MFC-PR-N's Return On Invested Capital of 0.80% is fine compared to the rest of the industry. MFC-PR-N outperforms 66.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROIC | 0.8% |
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-N has a Profit Margin of 14.07%. This is amongst the best in the industry. MFC-PR-N outperforms 90.00% of its industry peers.
MFC-PR-N's Profit Margin has improved in the last couple of years.
MFC-PR-N has a Operating Margin of 23.25%. This is amongst the best in the industry. MFC-PR-N outperforms 87.50% of its industry peers.
MFC-PR-N's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| 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-N 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-N has been reduced compared to 1 year ago.
Compared to 5 years ago, MFC-PR-N has less shares outstanding
MFC-PR-N has a better debt/assets ratio than last year.
2.2 Solvency
MFC-PR-N has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
The Debt to FCF ratio of MFC-PR-N (0.46) is better than 91.25% of its industry peers.
MFC-PR-N has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-N's Debt to Equity ratio of 0.27 is amongst the best of the industry. MFC-PR-N outperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.37%
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 9.99% over the past year.
MFC-PR-N shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
MFC-PR-N shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.76%.
MFC-PR-N shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
EPS 1Y (TTM)9.99%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%17.66%
Revenue 1Y (TTM)11.76%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%21.19%
3.2 Future
MFC-PR-N is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
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
MFC-PR-N is valuated cheaply with a Price/Earnings ratio of 5.90.
The rest of the industry has a similar Price/Earnings ratio as MFC-PR-N.
MFC-PR-N is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.53, which indicates a rather cheap valuation of MFC-PR-N.
MFC-PR-N's Price/Forward Earnings is on the same level as the industry average.
MFC-PR-N is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.9 | ||
| Fwd PE | 5.53 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-N indicates a somewhat cheap valuation: MFC-PR-N is cheaper than 78.75% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, MFC-PR-N is valued a bit cheaper than 61.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.45 | ||
| EV/EBITDA | 3.11 |
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)1.07
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
MFC-PR-N has a Yearly Dividend Yield of 4.51%, which is a nice return.
Compared to an average industry Dividend Yield of 4.58, MFC-PR-N has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, MFC-PR-N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
The dividend of MFC-PR-N is nicely growing with an annual growth rate of 20.17%!
MFC-PR-N has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-N has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
59.31% of the earnings are spent on dividend by MFC-PR-N. This is a bit on the high side, but may be sustainable.
The dividend of MFC-PR-N is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP
TSX:MFC-PR-N (11/13/2025, 7:00:00 PM)
24.49
0 (0%)
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 Cap41.50B
Revenue(TTM)37.44B
Net Income(TTM)5.43B
Analysts74.74
Price Target26.4 (7.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.7%
Min EPS beat(2)-2.89%
Max EPS beat(2)-0.52%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-2.89%
Max EPS beat(4)7.87%
EPS beat(8)6
Avg EPS beat(8)4.05%
EPS beat(12)8
Avg EPS beat(12)3.32%
EPS beat(16)10
Avg EPS beat(16)1.94%
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)-2.02%
PT rev (3m)-6.81%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-1.33%
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 | 5.9 | ||
| Fwd PE | 5.53 | ||
| P/S | 1.07 | ||
| P/FCF | 1.45 | ||
| P/OCF | 1.45 | ||
| P/B | 0.83 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.11 |
EPS(TTM)4.15
EY16.95%
EPS(NY)4.43
Fwd EY18.07%
FCF(TTM)16.88
FCFY68.94%
OCF(TTM)16.88
OCFY68.94%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.39
PEG (5Y)1.07
Graham Number52.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROCE | 0.94% | ||
| ROIC | 0.8% | ||
| ROICexc | 0.82% | ||
| ROICexgc | 1.91% | ||
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A | ||
| FCFM | 74.06% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Debt/EBITDA | 1.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.72 | ||
| Cash Conversion | 287.17% | ||
| Profit Quality | 526.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.37%
ROIC/WACC0.1
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)9.99%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%17.66%
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.76%
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 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.69%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y57.69%
OCF growth 3Y4.59%
OCF growth 5Y5.22%
MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP / MFC-PR-N.CA FAQ
What is the fundamental rating for MFC-PR-N stock?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-N.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP?
ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP?
MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) is 5.9 and the Price/Book (PB) ratio is 0.83.
What is the expected EPS growth for MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) stock?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) is expected to grow by 4.26% in the next year.