MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-N - CA56501R6766
24.31 CAD
-0.03 (-0.12%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-N. MFC-PR-N was compared to 81 industry peers in the Insurance industry. MFC-PR-N has an average financial health and profitability rating. 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.
MFC-PR-N had positive earnings in 4 of the past 5 years.
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 (0.53%) which is in line with its industry peers.
MFC-PR-N has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-N underperforms 69.14% of its industry peers.
With a decent Return On Invested Capital value of 0.75%, MFC-PR-N is doing good in the industry, outperforming 66.67% of the companies in the same industry.
| 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-N belongs to the top of the industry, outperforming 90.12% of the companies in the same industry.
MFC-PR-N's Profit Margin has improved in the last couple of years.
MFC-PR-N has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-N outperforms 87.65% of its industry peers.
MFC-PR-N'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-N has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, MFC-PR-N has less shares outstanding
Compared to 5 years ago, MFC-PR-N has less shares outstanding
The debt/assets ratio for MFC-PR-N has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-N is 0.44, which is an excellent value as it means it would take MFC-PR-N, only 0.44 years of fcf income to pay off 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 91.36% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-N is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-N belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
Measured over the past 5 years, MFC-PR-N shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
MFC-PR-N shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
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)9.55%
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-N will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
MFC-PR-N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.43% yearly.
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
A Price/Earnings ratio of 5.89 indicates a rather cheap valuation of MFC-PR-N.
The rest of the industry has a similar Price/Earnings ratio as MFC-PR-N.
The average S&P500 Price/Earnings ratio is at 27.00. MFC-PR-N is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 5.34, the valuation of MFC-PR-N can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-N is on the same level as its industry peers.
MFC-PR-N's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 5.34 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-N is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, MFC-PR-N is valued a bit cheaper than the industry average as 79.01% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.34 | ||
| EV/EBITDA | 2.88 |
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)0.72
PEG (5Y)1.07
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-N has a Yearly Dividend Yield of 3.53%.
Compared to an average industry Dividend Yield of 4.57, MFC-PR-N is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.94, MFC-PR-N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
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 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
60.48% of the earnings are spent on dividend by MFC-PR-N. This is not a sustainable payout ratio.
The dividend of MFC-PR-N 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 5.169 PERP
TSX:MFC-PR-N (1/8/2026, 7:00:00 PM)
24.31
-0.03 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap40.96B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target26.22 (7.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
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)-0.71%
PT rev (3m)-2.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.05%
EPS NY rev (1m)0%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 5.34 | ||
| P/S | 1.05 | ||
| P/FCF | 1.34 | ||
| P/OCF | 1.34 | ||
| P/B | 0.8 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | 2.88 |
EPS(TTM)4.13
EY16.99%
EPS(NY)4.56
Fwd EY18.74%
FCF(TTM)18.18
FCFY74.77%
OCF(TTM)18.18
OCFY74.77%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.72
PEG (5Y)1.07
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
WACC8.34%
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 5.169 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 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 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 5.89 and the Price/Book (PB) ratio is 0.8.
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 5 / 10.