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

TSX:MFC-PR-N • CA56501R6766

24.35 CAD
+0.1 (+0.41%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall MFC-PR-N gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-N against 80 industry peers in the Insurance industry. MFC-PR-N has an average financial health and profitability rating. MFC-PR-N scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • MFC-PR-N had positive earnings in the past year.
  • In the past year MFC-PR-N had a positive cash flow from operations.
  • Of the past 5 years MFC-PR-N 4 years were profitable.
  • Each year in the past 5 years MFC-PR-N 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 2025 0 10B 20B 30B

1.2 Ratios

  • MFC-PR-N has a Return On Assets (0.51%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 10.30%, MFC-PR-N is doing worse than 70.00% of the companies in the same industry.
  • MFC-PR-N has a Return On Invested Capital of 0.73%. This is in the better half of the industry: MFC-PR-N outperforms 68.75% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MFC-PR-N is below the industry average of 3.17%.
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROIC 0.73%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.13%
ROE(5y)7.55%
ROIC(3y)0.76%
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 2025 0 5 10

1.3 Margins

  • MFC-PR-N has a better Profit Margin (13.57%) than 90.00% of its industry peers.
  • In the last couple of years the Profit Margin of MFC-PR-N has grown nicely.
  • MFC-PR-N's Operating Margin of 22.28% is amongst the best of 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 RankSector Rank
OM 22.28%
PM (TTM) 13.57%
GM N/A
OM growth 3YN/A
OM growth 5Y20.92%
PM growth 3YN/A
PM growth 5Y11.52%
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 2025 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-N is destroying value.
  • The number of shares outstanding for MFC-PR-N has been reduced compared to 1 year ago.
  • The number of shares outstanding for MFC-PR-N has been reduced compared to 5 years ago.
  • The debt/assets ratio for MFC-PR-N has been reduced compared to a year ago.
MFC-PR-N.CA Yearly Shares OutstandingMFC-PR-N.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • The Debt to FCF ratio of MFC-PR-N is 0.46, which is an excellent value as it means it would take MFC-PR-N, only 0.46 years of fcf income to pay off all of its debts.
  • MFC-PR-N has a better Debt to FCF ratio (0.46) than 91.25% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that MFC-PR-N is not too dependend on debt financing.
  • The Debt to Equity ratio of MFC-PR-N (0.29) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACC0.09
WACC8.25%
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 2025 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 2025 5B 10B 15B 20B

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

4

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 8.76%, which is quite good.
  • The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.39% in the past year.
  • The Revenue for MFC-PR-N have been decreasing by -11.65% on average. This is quite bad
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%

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 4.26% on average per year.
  • 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 Y8.14%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
EPS Next 5Y4.26%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

  • MFC-PR-N is valuated cheaply with a Price/Earnings ratio of 5.77.
  • MFC-PR-N's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.07. MFC-PR-N is valued rather cheaply when compared to this.
  • With a 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, MFC-PR-N is valued rather cheaply.
Industry RankSector Rank
PE 5.77
Fwd PE 5.34
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

  • Based on the Enterprise Value to EBITDA ratio, MFC-PR-N is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-N is valued cheaply inside the industry as 82.50% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.27
EV/EBITDA 3.03
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)0.65
EPS Next 2Y8.83%
EPS Next 3Y4.94%

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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 3.96%, MFC-PR-N has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.43, MFC-PR-N is paying slightly less dividend.
  • MFC-PR-N's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.96%

5.2 History

  • The dividend of MFC-PR-N is nicely growing with an annual growth rate of 10.03%!
  • 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)10.03%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • MFC-PR-N pays out 62.94% of its income as dividend. 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.
DP62.94%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
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 2025 0 10B 20B 30B
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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MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP

TSX:MFC-PR-N (2/27/2026, 7:00:00 PM)

24.35

+0.1 (+0.41%)

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 Cap40.84B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target28.42 (16.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.96%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.84%
Min EPS beat(2)4.6%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.07%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)3.82%
EPS beat(12)9
Avg EPS beat(12)4.24%
EPS beat(16)11
Avg EPS beat(16)3.12%
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)10.06%
PT rev (3m)7.63%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)1.14%
EPS NY rev (1m)0%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 5.77
Fwd PE 5.34
P/S 1.06
P/FCF 1.27
P/OCF 1.27
P/B 0.8
P/tB 1.06
EV/EBITDA 3.03
EPS(TTM)4.22
EY17.33%
EPS(NY)4.56
Fwd EY18.74%
FCF(TTM)19.14
FCFY78.61%
OCF(TTM)19.14
OCFY78.61%
SpS23.08
BVpS30.38
TBVpS23.03
PEG (NY)0.71
PEG (5Y)0.65
Graham Number53.71
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROCE 0.86%
ROIC 0.73%
ROICexc 0.75%
ROICexgc 1.75%
OM 22.28%
PM (TTM) 13.57%
GM N/A
FCFM 82.95%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.13%
ROE(5y)7.55%
ROIC(3y)0.76%
ROIC(5y)N/A
ROICexc(3y)0.78%
ROICexc(5y)N/A
ROICexgc(3y)1.79%
ROICexgc(5y)N/A
ROCE(3y)0.91%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.45%
ROICexc growth 3YN/A
ROICexc growth 5Y3.55%
OM growth 3YN/A
OM growth 5Y20.92%
PM growth 3YN/A
PM growth 5Y11.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Debt/EBITDA 1.54
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.69
Cash Conversion 337.91%
Profit Quality 611.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.25%
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)518.1%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
EPS Next Y8.14%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
EPS Next 5Y4.26%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
EBIT growth 1Y-1.68%
EBIT growth 3YN/A
EBIT growth 5Y6.83%
EBIT Next Year-67.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.18%
FCF growth 3Y24.52%
FCF growth 5Y9.88%
OCF growth 1Y21.18%
OCF growth 3Y24.52%
OCF growth 5Y9.88%

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 0.8.


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 4 / 10.