MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-Q - CA56501R6196
25.65 CAD
+0.05 (+0.2%)
Taking everything into account, MFC-PR-Q scores 5 out of 10 in our fundamental rating. MFC-PR-Q was compared to 81 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-Q get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-Q has a correct valuation and a medium growth rate.
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.
MFC-PR-Q had positive earnings in 4 of the past 5 years.
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 (0.56%) which is in line with its industry peers.
MFC-PR-Q has a Return On Equity of 10.90%. This is in the lower half of the industry: MFC-PR-Q underperforms 74.07% of its industry peers.
With a decent Return On Invested Capital value of 0.80%, MFC-PR-Q is doing good in the industry, outperforming 60.49% of the companies in the same industry.
| 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
MFC-PR-Q's Profit Margin of 14.07% is amongst the best of the industry. MFC-PR-Q outperforms 83.95% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
MFC-PR-Q's Operating Margin of 23.25% is amongst the best of the industry. MFC-PR-Q outperforms 81.48% of its industry peers.
MFC-PR-Q'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-Q is destroying value.
MFC-PR-Q has less shares outstanding than it did 1 year ago.
MFC-PR-Q has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MFC-PR-Q has an improved debt to assets ratio.
2.2 Solvency
MFC-PR-Q 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.
MFC-PR-Q has a Debt to FCF ratio of 0.46. This is amongst the best in the industry. MFC-PR-Q outperforms 85.19% of its industry peers.
MFC-PR-Q has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-Q has a better Debt to Equity ratio (0.27) than 67.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-Q shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
Measured over the past 5 years, MFC-PR-Q 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-Q shows a quite strong growth in Revenue. The Revenue has grown by 11.59% in the last year.
The Revenue for MFC-PR-Q have been decreasing by -13.62% on average. This is quite bad
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-Q 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-Q is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.24% yearly.
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
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
Based on the Price/Earnings ratio of 6.46, the valuation of MFC-PR-Q can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-Q indicates a slightly more expensive valuation: MFC-PR-Q is more expensive than 65.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.13, MFC-PR-Q is valued rather cheaply.
A Price/Forward Earnings ratio of 5.81 indicates a rather cheap valuation of MFC-PR-Q.
MFC-PR-Q's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.35, MFC-PR-Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
MFC-PR-Q's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MFC-PR-Q is cheaper than 72.84% of the companies in the same industry.
MFC-PR-Q's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.52 | ||
| EV/EBITDA | 3.31 |
4.3 Compensation for Growth
MFC-PR-Q's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.53
PEG (5Y)1.18
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
MFC-PR-Q has a Yearly Dividend Yield of 3.27%.
Compared to an average industry Dividend Yield of 3.90, MFC-PR-Q is paying slightly less dividend.
MFC-PR-Q's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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
MFC-PR-Q pays out 59.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
MFC-PR-Q's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP
TSX:MFC-PR-Q (11/5/2025, 7:00:00 PM)
25.65
+0.05 (+0.2%)
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 Cap43.46B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target27.89 (8.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years2
Div Non Decr Years6
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)0.81%
PT rev (3m)-7.96%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 5.81 | ||
| P/S | 1.13 | ||
| P/FCF | 1.52 | ||
| P/OCF | 1.52 | ||
| P/B | 0.87 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 3.31 |
EPS(TTM)3.97
EY15.48%
EPS(NY)4.41
Fwd EY17.2%
FCF(TTM)16.88
FCFY65.82%
OCF(TTM)16.88
OCFY65.82%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.53
PEG (5Y)1.18
Graham Number51.26
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
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-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
WACC8.35%
ROIC/WACC0.1
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 Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
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 5Y11.24%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
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%
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 6.46 and the Price/Book (PB) ratio is 0.87.
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.