MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) Stock Fundamental Analysis

TSX:MFC-PR-N • CA56501R6766

24.16 CAD
0 (0%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to MFC-PR-N. MFC-PR-N was compared to 78 industry peers in the Insurance industry. MFC-PR-N has an average financial health and profitability rating. MFC-PR-N is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • MFC-PR-N had positive earnings in the past year.
  • MFC-PR-N had a positive operating cash flow in the past year.
  • In multiple years MFC-PR-N reported negative net income over the last 5 years.
  • Of the past 5 years MFC-PR-N 4 years had a positive operating cash flow.
MFC-PR-N.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-N.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

  • MFC-PR-N has a Return On Assets (0.53%) which is comparable to the rest of the industry.
  • MFC-PR-N has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-N underperforms 70.51% of its industry peers.
  • MFC-PR-N has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-N outperforms 67.95% of its industry peers.
Industry RankSector 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
MFC-PR-N.CA Yearly ROA, ROE, ROICMFC-PR-N.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • MFC-PR-N has a Profit Margin of 13.87%. This is amongst the best in the industry. MFC-PR-N outperforms 89.74% of its industry peers.
  • MFC-PR-N's Profit Margin has improved in the last couple of years.
  • MFC-PR-N has a better Operating Margin (22.75%) than 87.18% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-N has grown nicely.
Industry RankSector 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
MFC-PR-N.CA Yearly Profit, Operating, Gross MarginsMFC-PR-N.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-N is destroying value.
  • There is no outstanding debt for MFC-PR-N. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MFC-PR-N.CA Yearly Shares OutstandingMFC-PR-N.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-N.CA Yearly Total Debt VS Total AssetsMFC-PR-N.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • MFC-PR-N 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-N has a Debt to FCF ratio of 0.44. This is amongst the best in the industry. MFC-PR-N outperforms 91.03% of its industry peers.
  • MFC-PR-N has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • MFC-PR-N has a better Debt to Equity ratio (0.26) than 84.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.5%
MFC-PR-N.CA Yearly LT Debt VS Equity VS FCFMFC-PR-N.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-N.CA Yearly Current Assets VS Current LiabilitesMFC-PR-N.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • MFC-PR-N shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.88%.
  • The Earnings Per Share has been growing by 8.69% on average over the past years. This is quite good.
EPS 1Y (TTM)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.47% on average over the next years.
  • Based on estimates for the next years, MFC-PR-N will show a quite strong growth in Revenue. The Revenue will grow by 12.25% on average per year.
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%

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 decreasing.
MFC-PR-N.CA Yearly Revenue VS EstimatesMFC-PR-N.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MFC-PR-N.CA Yearly EPS VS EstimatesMFC-PR-N.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.77, the valuation of MFC-PR-N can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-N is on the same level as its industry peers.
  • MFC-PR-N's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • Based on the Price/Forward Earnings ratio of 5.29, the valuation of MFC-PR-N can be described as very cheap.
  • MFC-PR-N's Price/Forward Earnings ratio is in line with the industry average.
  • MFC-PR-N is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.77
Fwd PE 5.29
MFC-PR-N.CA Price Earnings VS Forward Price EarningsMFC-PR-N.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 80.77% of the companies in the same industry are more expensive than MFC-PR-N, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-N indicates a rather cheap valuation: MFC-PR-N is cheaper than 80.77% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.32
EV/EBITDA 2.83
MFC-PR-N.CA Per share dataMFC-PR-N.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • MFC-PR-N's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.64
PEG (5Y)0.66
EPS Next 2Y9.27%
EPS Next 3Y5.23%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.98%, MFC-PR-N has a reasonable but not impressive dividend return.
  • MFC-PR-N's Dividend Yield is comparable with the industry average which is at 3.92.
  • Compared to an average S&P500 Dividend Yield of 1.84, MFC-PR-N pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.98%

5.2 History

  • On average, the dividend of MFC-PR-N grows each year by 20.17%, which is quite nice.
  • MFC-PR-N has been paying a dividend for at least 10 years, so it has 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
MFC-PR-N.CA Yearly Dividends per shareMFC-PR-N.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 60.48% of the earnings are spent on dividend by MFC-PR-N. This is not a sustainable payout ratio.
  • MFC-PR-N's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
MFC-PR-N.CA Yearly Income VS Free CF VS DividendMFC-PR-N.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B
MFC-PR-N.CA Dividend Payout.MFC-PR-N.CA Dividend Payout, showing the Payout Ratio.MFC-PR-N.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP

TSX:MFC-PR-N (2/13/2026, 7:00:00 PM)

24.16

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap40.52B
Revenue(TTM)N/A
Net Income(TTM)5.39B
Analysts75.79
Price Target25.81 (6.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
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)-1.54%
PT rev (3m)-2.24%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)3.96%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 5.77
Fwd PE 5.29
P/S 1.04
P/FCF 1.32
P/OCF 1.32
P/B 0.79
P/tB 1
EV/EBITDA 2.83
EPS(TTM)4.19
EY17.34%
EPS(NY)4.56
Fwd EY18.89%
FCF(TTM)18.26
FCFY75.58%
OCF(TTM)18.26
OCFY75.58%
SpS23.18
BVpS30.67
TBVpS24.13
PEG (NY)0.64
PEG (5Y)0.66
Graham Number53.77
Profitability
Industry RankSector 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 RankSector 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
WACC8.5%
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)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
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 5.169 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.


What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) stock?

ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA). This can be considered as Undervalued.


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 is the valuation of MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) is 5.77 and the Price/Book (PB) ratio is 0.79.


Can you provide the financial health for MFC-PR-N stock?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) is 4 / 10.