MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-N - CA56501R6766
24.2 CAD
+0.18 (+0.75%)
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. Both the profitability and the financial health of MFC-PR-N get a neutral evaluation. Nothing too spectacular is happening here. 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.
In the past year MFC-PR-N had a positive cash flow from operations.
MFC-PR-N had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MFC-PR-N had a positive operating cash flow.
1.2 Ratios
MFC-PR-N has a Return On Assets of 0.56%. This is comparable to the rest of the industry: MFC-PR-N outperforms 58.75% of its industry peers.
MFC-PR-N has a Return On Equity of 10.90%. This is in the lower half of the industry: MFC-PR-N underperforms 66.25% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.80%, MFC-PR-N is in the better half of the industry, outperforming 66.25% of the companies in the same industry.
| 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's Profit Margin of 14.07% is amongst the best of the industry. MFC-PR-N outperforms 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 has a better Operating Margin (23.25%) than 87.50% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-N has grown nicely.
| 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.
Compared to 1 year ago, MFC-PR-N has less shares outstanding
The number of shares outstanding for MFC-PR-N has been reduced compared to 5 years ago.
Compared to 1 year ago, MFC-PR-N has an improved debt to assets ratio.
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.
With an excellent Debt to FCF ratio value of 0.46, MFC-PR-N belongs to the best of the industry, outperforming 91.25% of the companies in the same industry.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-N is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, MFC-PR-N is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.38%
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 been growing slightly by 7.59% 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.
The Revenue has grown by 11.59% in the past year. This is quite good.
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
3.2 Future
The Earnings Per Share is expected to grow by 5.15% on average over the next years.
MFC-PR-N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.24% yearly.
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.10, the valuation of MFC-PR-N can be described as very cheap.
MFC-PR-N's Price/Earnings is on the same level as the industry average.
MFC-PR-N's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
MFC-PR-N is valuated cheaply with a Price/Forward Earnings ratio of 5.49.
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 22.55, MFC-PR-N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 5.49 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-N is valued a bit cheaper than 78.75% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-N indicates a somewhat cheap valuation: MFC-PR-N is cheaper than 61.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.43 | ||
| EV/EBITDA | 3.06 |
4.3 Compensation for Growth
MFC-PR-N's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.44
PEG (5Y)1.11
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
MFC-PR-N has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-N's Dividend Yield is slightly below the industry average, which is at 3.90.
Compared to an average S&P500 Dividend Yield of 2.37, MFC-PR-N pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
The dividend of MFC-PR-N is nicely growing with an annual growth rate of 20.17%!
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
5.3 Sustainability
MFC-PR-N pays out 59.31% of its income as dividend. 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 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP
TSX:MFC-PR-N (10/31/2025, 7:00:00 PM)
24.2
+0.18 (+0.75%)
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 Cap41.01B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target26.47 (9.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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)0.53%
PT rev (3m)-8.96%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 5.49 | ||
| P/S | 1.06 | ||
| P/FCF | 1.43 | ||
| P/OCF | 1.43 | ||
| P/B | 0.82 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 3.06 |
EPS(TTM)3.97
EY16.4%
EPS(NY)4.41
Fwd EY18.23%
FCF(TTM)16.88
FCFY69.76%
OCF(TTM)16.88
OCFY69.76%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.44
PEG (5Y)1.11
Graham Number51.26
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
WACC8.38%
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
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 6.1 and the Price/Book (PB) ratio is 0.82.
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 4.23% in the next year.