MFC-PR-Q Fundamental Analysis - MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP

Fundamental Rating

MFC-PR-Q gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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.

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1. Profitability

1.1 Basic Checks

MFC-PR-Q had positive earnings in the past year.
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.
In the past 5 years MFC-PR-Q always reported a positive cash flow from operatings.

1.2 Ratios

MFC-PR-Q has a Return On Assets (0.53%) which is comparable to the rest of the industry.
With a Return On Equity value of 10.48%, MFC-PR-Q is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
MFC-PR-Q has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-Q outperforms 64.20% 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

MFC-PR-Q has a Profit Margin of 13.87%. This is amongst the best in the industry. MFC-PR-Q outperforms 85.19% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
MFC-PR-Q has a better Operating Margin (22.75%) than 82.72% of its industry peers.
MFC-PR-Q's Operating Margin has improved in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-Q is destroying value.
Compared to 1 year ago, MFC-PR-Q has less shares outstanding
The number of shares outstanding for MFC-PR-Q has been reduced compared to 5 years ago.
MFC-PR-Q has a better debt/assets ratio than last year.

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.
MFC-PR-Q has a better Debt to FCF ratio (0.44) than 86.42% of its industry peers.
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 80.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	0.44
Altman-Z	N/A

ROIC/WACC0.09

WACC8.32%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MFC-PR-Q shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
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

The Earnings Per Share is expected to grow by 5.15% on average over the next years.
The Revenue is expected to grow by 11.90% 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 5Y11.9%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.21, 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 is on the same level as its industry peers.
MFC-PR-Q is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.63, the valuation of MFC-PR-Q can be described as very cheap.
MFC-PR-Q's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.04. MFC-PR-Q is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.21
Fwd PE	5.63

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-Q indicates a somewhat cheap valuation: MFC-PR-Q is cheaper than 75.31% of the companies listed in the same industry.
76.54% of the companies in the same industry are more expensive than MFC-PR-Q, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	1.41
EV/EBITDA	3.11

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)0.76

PEG (5Y)1.13

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.42%, MFC-PR-Q has a reasonable but not impressive dividend return.
MFC-PR-Q's Dividend Yield is comparable with the industry average which is at 3.60.
Compared to an average S&P500 Dividend Yield of 1.92, MFC-PR-Q pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.42%

5.2 History

The dividend of MFC-PR-Q is nicely growing with an annual growth rate of 20.17%!
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.
MFC-PR-Q's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP60.48%

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP

TSX:MFC-PR-Q (1/13/2026, 7:00:00 PM)

25.65

+0.05 (+0.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-12 2025-11-12/amc

Earnings (Next)02-11 2026-02-11/amc

Inst Owners56.4%

Inst Owner ChangeN/A

Ins Owners0.06%

Ins Owner ChangeN/A

Market Cap43.22B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target27.47 (7.1%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.42%

Yearly Dividend1.79

Dividend Growth(5Y)20.17%

DP60.48%

Div Incr Years2

Div Non Decr Years6

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)-1.96%

PT rev (3m)-3.29%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.05%

EPS NY rev (1m)0%

EPS NY rev (3m)3.83%

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 Rank	Sector Rank
PE	6.21
Fwd PE	5.63
P/S	1.11
P/FCF	1.41
P/OCF	1.41
P/B	0.84
P/tB	1.07
EV/EBITDA	3.11

EPS(TTM)4.13

EY16.1%

EPS(NY)4.56

Fwd EY17.76%

FCF(TTM)18.18

FCFY70.86%

OCF(TTM)18.18

OCFY70.86%

SpS23.08

BVpS30.53

TBVpS24.01

PEG (NY)0.76

PEG (5Y)1.13

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

WACC8.32%

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 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 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.

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?

ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA). This can be considered as Fairly Valued.

Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?

MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) has a profitability rating of 5 / 10.

Can you provide the financial health for MFC-PR-Q stock?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 4 / 10.

What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?

The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is expected to grow by 8.22% in the next year.

MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?

Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?

Can you provide the financial health for MFC-PR-Q stock?

What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?