MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP (MFC-PR-N.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-N - CA56501R6766
24.25 CAD
-0.05 (-0.21%)
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. 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. Finally MFC-PR-N also has an excellent dividend rating. This makes MFC-PR-N very considerable for dividend investing!
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.
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 (0.53%) which is in line with its industry peers.
With a Return On Equity value of 10.48%, MFC-PR-N is not doing good in the industry: 68.75% of the companies in the same industry are doing better.
With a decent Return On Invested Capital value of 0.75%, MFC-PR-N is doing good in the industry, outperforming 66.25% 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
The Profit Margin of MFC-PR-N (13.87%) is better than 90.00% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-N has grown nicely.
The Operating Margin of MFC-PR-N (22.75%) is better 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 | 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-N is destroying value.
MFC-PR-N has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFC-PR-N has less shares outstanding
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 0.44, 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.
Looking at the Debt to FCF ratio, with a value of 0.44, MFC-PR-N belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
MFC-PR-N has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-N belongs to the best of the industry, outperforming 85.00% 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
WACC8.3%
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 9.55% over the past year.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
The Revenue has been growing slightly by 7.70% in the past year.
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
The Earnings Per Share is expected to grow by 5.15% 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 11.40% on average per year.
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.
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 5.87, 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.
The average S&P500 Price/Earnings ratio is at 25.98. MFC-PR-N is valued rather cheaply when compared to this.
MFC-PR-N is valuated cheaply with a Price/Forward Earnings ratio of 5.48.
MFC-PR-N's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.79. MFC-PR-N is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.87 | ||
| Fwd PE | 5.48 |
4.2 Price Multiples
80.00% of the companies in the same industry are more expensive than MFC-PR-N, based on the Enterprise Value to EBITDA ratio.
61.25% of the companies in the same industry are more expensive than MFC-PR-N, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.34 | ||
| EV/EBITDA | 2.89 |
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)1.38
PEG (5Y)1.07
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.16%, MFC-PR-N is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.36, MFC-PR-N pays a better dividend. On top of this MFC-PR-N pays more dividend than 95.00% of the companies listed in the same industry.
MFC-PR-N's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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
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 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 5.169 PERP
TSX:MFC-PR-N (11/25/2025, 7:00:00 PM)
24.25
-0.05 (-0.21%)
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 Cap41.09B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target26.4 (8.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)-2.02%
PT rev (3m)-4.99%
EPS NQ rev (1m)3.73%
EPS NQ rev (3m)3.68%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.87 | ||
| Fwd PE | 5.48 | ||
| P/S | 1.06 | ||
| P/FCF | 1.34 | ||
| P/OCF | 1.34 | ||
| P/B | 0.8 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | 2.89 |
EPS(TTM)4.13
EY17.03%
EPS(NY)4.43
Fwd EY18.25%
FCF(TTM)18.07
FCFY74.53%
OCF(TTM)18.07
OCFY74.53%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.38
PEG (5Y)1.07
Graham Number53.11
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
WACC8.3%
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
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.
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 5.87 and the Price/Book (PB) ratio is 0.8.
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.