MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) Stock Fundamental Analysis

TSX:MFC-PR-P • CA56501R8416

19.53 CAD
-0.02 (-0.1%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, MFC-PR-P scores 6 out of 10 in our fundamental rating. MFC-PR-P was compared to 78 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. MFC-PR-P scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes MFC-PR-P very considerable for value investing!


Dividend Valuation Growth Profitability Health

6

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.
MFC-PR-P.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-P.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 0 5B 10B 15B 20B 25B

1.2 Ratios

  • MFC-PR-P has a Return On Assets of 0.53%. This is in the better half of the industry: MFC-PR-P outperforms 60.26% of its industry peers.
  • The Return On Equity of MFC-PR-P (10.48%) is worse than 66.67% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-P is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
Industry RankSector 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
MFC-PR-P.CA Yearly ROA, ROE, ROICMFC-PR-P.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • MFC-PR-P has a better Profit Margin (13.87%) than 93.59% of its industry peers.
  • MFC-PR-P's Profit Margin has improved in the last couple of years.
  • MFC-PR-P's Operating Margin of 22.75% is amongst the best of the industry. MFC-PR-P outperforms 91.03% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-P has grown nicely.
Industry RankSector 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
MFC-PR-P.CA Yearly Profit, Operating, Gross MarginsMFC-PR-P.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • MFC-PR-P has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
  • The debt/assets ratio for MFC-PR-P has been reduced compared to a year ago.
MFC-PR-P.CA Yearly Shares OutstandingMFC-PR-P.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-P.CA Yearly Total Debt VS Total AssetsMFC-PR-P.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • MFC-PR-P has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.44, MFC-PR-P belongs to the best of the industry, outperforming 94.87% of the companies in the same industry.
  • A Debt/Equity ratio of 0.26 indicates that MFC-PR-P is not too dependend on debt financing.
  • MFC-PR-P has a better Debt to Equity ratio (0.26) than 88.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.58%
MFC-PR-P.CA Yearly LT Debt VS Equity VS FCFMFC-PR-P.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-P.CA Yearly Current Assets VS Current LiabilitesMFC-PR-P.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 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-P shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
  • Measured over the past 5 years, MFC-PR-P shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
  • 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.
  • The Revenue for MFC-PR-P have been decreasing by -13.62% on average. This is quite bad
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

  • 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 11.90% yearly.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%

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.
MFC-PR-P.CA Yearly Revenue VS EstimatesMFC-PR-P.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-P.CA Yearly EPS VS EstimatesMFC-PR-P.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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8

4. Valuation

4.1 Price/Earnings Ratio

  • MFC-PR-P is valuated cheaply with a Price/Earnings ratio of 4.73.
  • MFC-PR-P's Price/Earnings ratio is a bit cheaper when compared to the industry. MFC-PR-P is cheaper than 65.38% 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 (27.67), we can say MFC-PR-P is valued rather cheaply.
  • The Price/Forward Earnings ratio is 4.28, which indicates a rather cheap valuation of MFC-PR-P.
  • Based on the Price/Forward Earnings ratio, MFC-PR-P is valued a bit cheaper than 62.82% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. MFC-PR-P is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.73
Fwd PE 4.28
MFC-PR-P.CA Price Earnings VS Forward Price EarningsMFC-PR-P.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 84.62% of the companies in the same industry are more expensive than MFC-PR-P, based on the Enterprise Value to EBITDA ratio.
  • MFC-PR-P's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFC-PR-P is cheaper than 88.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.07
EV/EBITDA 2.07
MFC-PR-P.CA Per share dataMFC-PR-P.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • MFC-PR-P's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MFC-PR-P has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.58
PEG (5Y)0.86
EPS Next 2Y8.45%
EPS Next 3Y8.81%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • MFC-PR-P has a Yearly Dividend Yield of 3.39%.
  • MFC-PR-P's Dividend Yield is slightly below the industry average, which is at 3.53.
  • Compared to an average S&P500 Dividend Yield of 1.80, MFC-PR-P pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

  • The dividend of MFC-PR-P is nicely growing with an annual growth rate of 20.17%!
  • MFC-PR-P has been paying a dividend for at least 10 years, so it has 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
MFC-PR-P.CA Yearly Dividends per shareMFC-PR-P.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • MFC-PR-P pays out 60.48% of its income as dividend. 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 2Y8.45%
EPS Next 3Y8.81%
MFC-PR-P.CA Yearly Income VS Free CF VS DividendMFC-PR-P.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B
MFC-PR-P.CA Dividend Payout.MFC-PR-P.CA Dividend Payout, showing the Payout Ratio.MFC-PR-P.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP

TSX:MFC-PR-P (2/10/2026, 7:00:00 PM)

19.53

-0.02 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap32.91B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target20.31 (3.99%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)0.38%
PT rev (3m)0.38%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)3.55%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 4.73
Fwd PE 4.28
P/S 0.85
P/FCF 1.07
P/OCF 1.07
P/B 0.64
P/tB 0.81
EV/EBITDA 2.07
EPS(TTM)4.13
EY21.15%
EPS(NY)4.56
Fwd EY23.37%
FCF(TTM)18.18
FCFY93.07%
OCF(TTM)18.18
OCFY93.07%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.58
PEG (5Y)0.86
Graham Number53.26
Profitability
Industry RankSector 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 RankSector 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
WACC8.58%
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 Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
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 Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-72.75%
EBIT Next 3Y-28.58%
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.


Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP?

ChartMill assigns a valuation rating of 8 / 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.


What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) stock?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) is 5 / 10.


Is the dividend of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP sustainable?

The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 3.59 PERP (MFC-PR-P.CA) is 5 / 10 and the dividend payout ratio is 60.48%.