MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-Q - CA56501R6196
25.45 CAD
-0.24 (-0.93%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-Q. MFC-PR-Q was compared to 82 industry peers in the Insurance industry. MFC-PR-Q has an average financial health and profitability rating. MFC-PR-Q is not valued too expensively and it also shows a decent growth rate. Finally MFC-PR-Q also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MFC-PR-Q was profitable.
In the past year MFC-PR-Q had a positive cash flow from operations.
Of the past 5 years MFC-PR-Q 4 years were profitable.
MFC-PR-Q had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MFC-PR-Q has a Return On Assets of 0.53%. This is comparable to the rest of the industry: MFC-PR-Q outperforms 50.00% of its industry peers.
Looking at the Return On Equity, with a value of 10.48%, MFC-PR-Q is doing worse than 75.61% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-Q is in the better half of the industry, outperforming 60.98% 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
With an excellent Profit Margin value of 13.87%, MFC-PR-Q belongs to the best of the industry, outperforming 84.15% of the companies in the same industry.
MFC-PR-Q's Profit Margin has improved in the last couple of years.
MFC-PR-Q has a better Operating Margin (22.75%) than 81.71% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-Q 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
MFC-PR-Q has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MFC-PR-Q has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MFC-PR-Q has been reduced compared to 5 years ago.
The debt/assets ratio for MFC-PR-Q has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-Q is 0.44, which is an excellent value as it means it would take MFC-PR-Q, 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-Q belongs to the top of the industry, outperforming 85.37% of the companies in the same industry.
MFC-PR-Q has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MFC-PR-Q (0.26) is better than 79.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.29%
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-Q 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-Q shows a small growth in Revenue. The Revenue has grown by 7.70% in the last year.
Measured over the past years, MFC-PR-Q 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
MFC-PR-Q is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
The Revenue is expected to grow by 12.43% on average over the next years. This is quite good.
EPS Next Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y12.43%
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
The Price/Earnings ratio is 6.16, which indicates a rather cheap valuation of MFC-PR-Q.
Based on the Price/Earnings ratio, MFC-PR-Q is valued a bit more expensive than 64.63% of the companies in the same industry.
When comparing the Price/Earnings ratio of MFC-PR-Q to the average of the S&P500 Index (26.49), we can say MFC-PR-Q is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.59, the valuation of MFC-PR-Q can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-Q is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, MFC-PR-Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.16 | ||
| Fwd PE | 5.59 |
4.2 Price Multiples
71.95% of the companies in the same industry are more expensive than MFC-PR-Q, based on the Enterprise Value to EBITDA ratio.
MFC-PR-Q's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.4 | ||
| EV/EBITDA | 3.07 |
4.3 Compensation for Growth
MFC-PR-Q's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.75
PEG (5Y)1.12
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-Q has a Yearly Dividend Yield of 6.08%, which is a nice return.
MFC-PR-Q's Dividend Yield is rather good when compared to the industry average which is at 4.30. MFC-PR-Q pays more dividend than 89.02% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, MFC-PR-Q pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
5.2 History
On average, the dividend of MFC-PR-Q grows each year by 20.17%, which is quite nice.
MFC-PR-Q has been paying a dividend for over 5 years, so it has already some track record.
As MFC-PR-Q did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.17%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
60.48% of the earnings are spent on dividend by MFC-PR-Q. This is not a sustainable payout ratio.
The dividend of MFC-PR-Q is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP
TSX:MFC-PR-Q (12/5/2025, 7:00:00 PM)
25.45
-0.24 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.33%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.88B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target28.01 (10.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years2
Div Non Decr Years6
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)0.44%
PT rev (3m)-3.39%
EPS NQ rev (1m)3.65%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.16 | ||
| Fwd PE | 5.59 | ||
| P/S | 1.1 | ||
| P/FCF | 1.4 | ||
| P/OCF | 1.4 | ||
| P/B | 0.83 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.07 |
EPS(TTM)4.13
EY16.23%
EPS(NY)4.56
Fwd EY17.9%
FCF(TTM)18.18
FCFY71.42%
OCF(TTM)18.18
OCFY71.42%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.75
PEG (5Y)1.12
Graham Number53.26
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
WACC8.29%
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 Y8.22%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
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 5Y12.43%
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 5.942 PERP / MFC-PR-Q.CA FAQ
Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-Q.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA). This can be considered as Fairly Valued.
What is the profitability of MFC-PR-Q stock?
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 6.16 and the Price/Book (PB) ratio is 0.83.
What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 4 / 10.