MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) Fundamental Analysis & Valuation

TSX:MFC-PR-P • CA56501R8416

Current stock price

21.2 CAD
-0.05 (-0.24%)
Last:

This MFC-PR-P.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. MFC-PR-P.CA Profitability Analysis

1.1 Basic Checks

  • MFC-PR-P had positive earnings in the past year.
  • 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.
  • MFC-PR-P had a positive operating cash flow in each of the past 5 years.
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 2025 0 10B 20B 30B

1.2 Ratios

  • MFC-PR-P has a better Return On Assets (0.51%) than 64.56% of its industry peers.
  • The Return On Equity of MFC-PR-P (10.30%) is worse than 64.56% of its industry peers.
  • MFC-PR-P has a Return On Invested Capital of 0.73%. This is in the better half of the industry: MFC-PR-P outperforms 73.42% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for MFC-PR-P is below the industry average of 3.22%.
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROIC 0.73%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
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 2025 0 5 10

1.3 Margins

  • MFC-PR-P's Profit Margin of 13.57% is amongst the best of the industry. MFC-PR-P outperforms 94.94% of its industry peers.
  • In the last couple of years the Profit Margin of MFC-PR-P has grown nicely.
  • MFC-PR-P has a Operating Margin of 22.28%. This is amongst the best in the industry. MFC-PR-P outperforms 92.41% of its industry peers.
  • MFC-PR-P's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.28%
PM (TTM) 13.57%
GM N/A
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
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 2025 0 10 20

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4

2. MFC-PR-P.CA Health Analysis

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.
  • The number of shares outstanding for MFC-PR-P has been reduced compared to 5 years ago.
  • 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 2025 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 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • MFC-PR-P has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
  • The Debt to FCF ratio of MFC-PR-P (0.46) is better than 96.20% of its industry peers.
  • MFC-PR-P has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • MFC-PR-P's Debt to Equity ratio of 0.29 is in line compared to the rest of the industry. MFC-PR-P outperforms 59.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACC0.09
WACC8.3%
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 2025 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 2025 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. MFC-PR-P.CA Growth Analysis

3.1 Past

  • MFC-PR-P shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.76%, which is quite good.
  • MFC-PR-P shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.86% yearly.
  • Looking at the last year, MFC-PR-P shows a small growth in Revenue. The Revenue has grown by 3.39% 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 -11.65% on average per year.
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%

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 6.40% on average per year.
  • MFC-PR-P is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.42% yearly.
EPS Next Y9.1%
EPS Next 2Y9.21%
EPS Next 3Y9.86%
EPS Next 5Y6.4%
Revenue Next Year7.92%
Revenue Next 2Y7.07%
Revenue Next 3Y7.22%
Revenue Next 5Y11.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 2030 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 2030 1 2 3 4 5

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8

4. MFC-PR-P.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.02, the valuation of MFC-PR-P can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-P is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of MFC-PR-P to the average of the S&P500 Index (26.54), we can say MFC-PR-P is valued rather cheaply.
  • A Price/Forward Earnings ratio of 4.60 indicates a rather cheap valuation of MFC-PR-P.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-P is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 21.68. MFC-PR-P is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.02
Fwd PE 4.6
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

  • Based on the Enterprise Value to EBITDA ratio, MFC-PR-P is valued cheaper than 86.08% of the companies in the same industry.
  • MFC-PR-P's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFC-PR-P is cheaper than 92.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.1
EV/EBITDA 2.47
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

  • The 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)0.55
PEG (5Y)0.57
EPS Next 2Y9.21%
EPS Next 3Y9.86%

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5

5. MFC-PR-P.CA Dividend Analysis

5.1 Amount

  • MFC-PR-P has a Yearly Dividend Yield of 3.66%. Purely for dividend investing, there may be better candidates out there.
  • MFC-PR-P's Dividend Yield is comparable with the industry average which is at 3.61.
  • MFC-PR-P's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.66%

5.2 History

  • The dividend of MFC-PR-P is nicely growing with an annual growth rate of 10.03%!
  • MFC-PR-P has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.03%
Div Incr Years0
Div Non Decr Years0
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 2026 0.5 1 1.5

5.3 Sustainability

  • 62.94% 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.
DP62.94%
EPS Next 2Y9.21%
EPS Next 3Y9.86%
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 2025 0 10B 20B 30B
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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MFC-PR-P.CA Fundamentals: All Metrics, Ratios and Statistics

MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP

TSX:MFC-PR-P (4/23/2026, 7:00:00 PM)

21.2

-0.05 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.94
Industry Growth44.03
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners55.61%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap35.45B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target22.67 (6.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.66%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.84%
Min EPS beat(2)4.6%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.07%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)3.82%
EPS beat(12)9
Avg EPS beat(12)4.24%
EPS beat(16)11
Avg EPS beat(16)3.12%
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)11.86%
PT rev (3m)11.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)-0.53%
Valuation
Industry RankSector Rank
PE 5.02
Fwd PE 4.6
P/S 0.92
P/FCF 1.1
P/OCF 1.1
P/B 0.7
P/tB 0.92
EV/EBITDA 2.47
EPS(TTM)4.22
EY19.91%
EPS(NY)4.6
Fwd EY21.72%
FCF(TTM)19.2
FCFY90.56%
OCF(TTM)19.2
OCFY90.56%
SpS23.15
BVpS30.47
TBVpS23.1
PEG (NY)0.55
PEG (5Y)0.57
Graham Number53.7901 (153.73%)
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 10.3%
ROCE 0.86%
ROIC 0.73%
ROICexc 0.75%
ROICexgc 1.75%
OM 22.28%
PM (TTM) 13.57%
GM N/A
FCFM 82.95%
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
ROIC(5y)N/A
ROICexc(3y)0.78%
ROICexc(5y)N/A
ROICexgc(3y)1.78%
ROICexgc(5y)N/A
ROCE(3y)0.9%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.35%
ROICexc growth 3YN/A
ROICexc growth 5Y3.45%
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Debt/EBITDA 1.54
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.69
Cash Conversion 337.91%
Profit Quality 611.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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)519.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
EPS Next Y9.1%
EPS Next 2Y9.21%
EPS Next 3Y9.86%
EPS Next 5Y6.4%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
Revenue Next Year7.92%
Revenue Next 2Y7.07%
Revenue Next 3Y7.22%
Revenue Next 5Y11.42%
EBIT growth 1Y-1.68%
EBIT growth 3YN/A
EBIT growth 5Y6.73%
EBIT Next Year-67.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.18%
FCF growth 3Y24.52%
FCF growth 5Y9.88%
OCF growth 1Y21.18%
OCF growth 3Y24.52%
OCF growth 5Y9.88%

MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP / MFC-PR-P.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-P.CA.


What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) stock?

ChartMill assigns a valuation rating of 8 / 10 to MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA). This can be considered as Undervalued.


Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP?

MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) has a profitability rating of 6 / 10.


How financially healthy is MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) is 4 / 10.


What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP?

The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 3.69 PERP (MFC-PR-P.CA) is expected to grow by 9.1% in the next year.