MANULIFE FINANCIAL CORP - MFCCN 3.91 PERP (MFC-PR-P.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-P - CA56501R8416
18.6 CAD
+0.5 (+2.76%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-P. MFC-PR-P was compared to 80 industry peers in the Insurance industry. MFC-PR-P has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on MFC-PR-P.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-P was profitable.
In the past year MFC-PR-P had a positive cash flow from operations.
Of the past 5 years MFC-PR-P 4 years were profitable.
In the past 5 years MFC-PR-P always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-P has a Return On Assets (0.56%) which is comparable to the rest of the industry.
MFC-PR-P's Return On Equity of 10.90% is on the low side compared to the rest of the industry. MFC-PR-P is outperformed by 62.50% of its industry peers.
MFC-PR-P's Return On Invested Capital of 0.80% is fine compared to the rest of the industry. MFC-PR-P outperforms 68.75% of its industry peers.
| 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
With an excellent Profit Margin value of 14.07%, MFC-PR-P belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
MFC-PR-P's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 23.25%, MFC-PR-P belongs to the best of the industry, outperforming 91.25% of the companies in the same industry.
MFC-PR-P's Operating Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-P is destroying value.
MFC-PR-P has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFC-PR-P has less shares outstanding
Compared to 1 year ago, MFC-PR-P has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-P is 0.46, which is an excellent value as it means it would take MFC-PR-P, only 0.46 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MFC-PR-P (0.46) is better than 95.00% of its industry peers.
MFC-PR-P has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-P's Debt to Equity ratio of 0.27 is fine compared to the rest of the industry. MFC-PR-P outperforms 77.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-P shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
MFC-PR-P shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.59%.
MFC-PR-P 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
MFC-PR-P is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
MFC-PR-P is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.05% yearly.
EPS Next Y4.29%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.05%
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
The Price/Earnings ratio is 4.69, which indicates a rather cheap valuation of MFC-PR-P.
MFC-PR-P's Price/Earnings ratio is a bit cheaper when compared to the industry. MFC-PR-P is cheaper than 68.75% of the companies in the same industry.
When comparing the Price/Earnings ratio of MFC-PR-P to the average of the S&P500 Index (27.30), we can say MFC-PR-P is valued rather cheaply.
MFC-PR-P is valuated cheaply with a Price/Forward Earnings ratio of 4.21.
Based on the Price/Forward Earnings ratio, MFC-PR-P is valued a bit cheaper than 68.75% of the companies in the same industry.
MFC-PR-P's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.69 | ||
| Fwd PE | 4.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-P is valued cheaper than 81.25% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-P indicates a somewhat cheap valuation: MFC-PR-P is cheaper than 71.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.1 | ||
| EV/EBITDA | 2.12 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.09
PEG (5Y)0.85
EPS Next 2Y6.7%
EPS Next 3Y7.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.00%, MFC-PR-P is a good candidate for dividend investing.
MFC-PR-P's Dividend Yield is slightly below the industry average, which is at 4.81.
MFC-PR-P's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
5.2 History
The dividend of MFC-PR-P is nicely growing with an annual growth rate of 20.17%!
MFC-PR-P has paid a dividend for at least 10 years, which is a reliable track record.
MFC-PR-P has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.17%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
59.31% of the earnings are spent on dividend by MFC-PR-P. This is a bit on the high side, but may be sustainable.
The dividend of MFC-PR-P is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
MANULIFE FINANCIAL CORP - MFCCN 3.91 PERP
TSX:MFC-PR-P (9/9/2025, 7:00:00 PM)
18.6
+0.5 (+2.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.65%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap31.52B
Analysts76.47
Price Target21.72 (16.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years3
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%
PT rev (3m)7.9%
EPS NQ rev (1m)-0.3%
EPS NQ rev (3m)-1.58%
EPS NY rev (1m)-3.13%
EPS NY rev (3m)-3.13%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.31%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.69 | ||
| Fwd PE | 4.21 | ||
| P/S | 0.82 | ||
| P/FCF | 1.1 | ||
| P/OCF | 1.1 | ||
| P/B | 0.63 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | 2.12 |
EPS(TTM)3.97
EY21.34%
EPS(NY)4.42
Fwd EY23.75%
FCF(TTM)16.84
FCFY90.55%
OCF(TTM)16.84
OCFY90.55%
SpS22.74
BVpS29.35
TBVpS22.98
PEG (NY)1.09
PEG (5Y)0.85
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
ROICexcg growth 3Y-2.15%
ROICexcg 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
WACC8.66%
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.29%
EPS Next 2Y6.7%
EPS Next 3Y7.03%
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 5Y11.05%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-70.64%
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%