MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-P - CA56501R8416
18.1 CAD
-0.1 (-0.55%)
Overall MFC-PR-P gets a fundamental rating of 6 out of 10. We evaluated MFC-PR-P against 80 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-P get a neutral evaluation. Nothing too spectacular is happening here. A decent growth rate in combination with a cheap valuation! Better keep an eye on MFC-PR-P. Finally MFC-PR-P also has an excellent dividend rating. These ratings could make MFC-PR-P a good candidate for value and dividend investing.
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.
MFC-PR-P had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MFC-PR-P had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.53%, MFC-PR-P is doing good in the industry, outperforming 62.50% of the companies in the same industry.
MFC-PR-P has a worse Return On Equity (10.48%) than 65.00% of its industry peers.
MFC-PR-P's Return On Invested Capital of 0.75% is fine compared to the rest of the industry. MFC-PR-P outperforms 70.00% of its industry peers.
| 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
With an excellent Profit Margin value of 13.87%, 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.
Looking at the Operating Margin, with a value of 22.75%, MFC-PR-P belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
In the last couple of years the Operating Margin of MFC-PR-P 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-P is destroying value.
MFC-PR-P has less shares outstanding than it did 1 year ago.
MFC-PR-P has less shares outstanding than it did 5 years ago.
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 0.44, which is an excellent value as it means it would take MFC-PR-P, 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-P belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
MFC-PR-P 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-P belongs to the best of the industry, outperforming 88.75% 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
WACC8.43%
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.
MFC-PR-P shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
Looking at the last year, MFC-PR-P shows a small growth in Revenue. The Revenue has grown by 7.70% in the last year.
Measured over the past years, MFC-PR-P shows a very negative growth in Revenue. The Revenue has been decreasing by -13.62% on average per year.
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-P will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
The Revenue is expected to grow by 11.40% on average over the next years. This is quite good.
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
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
MFC-PR-P is valuated cheaply with a Price/Earnings ratio of 4.38.
70.00% of the companies in the same industry are more expensive than MFC-PR-P, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of MFC-PR-P to the average of the S&P500 Index (26.15), we can say MFC-PR-P is valued rather cheaply.
MFC-PR-P is valuated cheaply with a Price/Forward Earnings ratio of 4.09.
Based on the Price/Forward Earnings ratio, MFC-PR-P is valued a bit cheaper than 72.50% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MFC-PR-P to the average of the S&P500 Index (36.12), we can say MFC-PR-P is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.38 | ||
| Fwd PE | 4.09 |
4.2 Price Multiples
83.75% of the companies in the same industry are more expensive than MFC-PR-P, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, MFC-PR-P is valued a bit cheaper than the industry average as 72.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1 | ||
| EV/EBITDA | 1.84 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of MFC-PR-P may justify a higher PE ratio.
PEG (NY)1.03
PEG (5Y)0.8
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
MFC-PR-P has a Yearly Dividend Yield of 6.16%, which is a nice return.
Compared to an average industry Dividend Yield of 4.36, MFC-PR-P pays a better dividend. On top of this MFC-PR-P pays more dividend than 98.75% of the companies listed in the same industry.
MFC-PR-P'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
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
60.48% of the earnings are spent on dividend by MFC-PR-P. This is not a sustainable payout ratio.
MFC-PR-P's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP
TSX:MFC-PR-P (11/25/2025, 7:00:00 PM)
18.1
-0.1 (-0.55%)
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 Cap30.67B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target20.24 (11.82%)
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 Years3
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)-6.8%
PT rev (3m)-6.8%
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 | 4.38 | ||
| Fwd PE | 4.09 | ||
| P/S | 0.79 | ||
| P/FCF | 1 | ||
| P/OCF | 1 | ||
| P/B | 0.6 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | 1.84 |
EPS(TTM)4.13
EY22.82%
EPS(NY)4.43
Fwd EY24.45%
FCF(TTM)18.07
FCFY99.86%
OCF(TTM)18.07
OCFY99.86%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.03
PEG (5Y)0.8
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
WACC8.43%
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 3.59 PERP / MFC-PR-P.CA FAQ
What is the ChartMill fundamental rating of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) stock?
ChartMill assigns a fundamental rating of 6 / 10 to MFC-PR-P.CA.
What is the valuation status for MFC-PR-P stock?
ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA). This can be considered as Undervalued.
How profitable is MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) stock?
MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) has a profitability rating of 6 / 10.
How financially healthy is MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) is 5 / 10.
Can you provide the dividend sustainability for MFC-PR-P stock?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) is 7 / 10 and the dividend payout ratio is 60.48%.