MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Fundamental Analysis & Valuation

TSX:MFC-PR-B • CA56501R4035

Current stock price

22.03 CAD
+0.16 (+0.73%)
Last:

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

5

1. MFC-PR-B.CA Profitability Analysis

1.1 Basic Checks

  • MFC-PR-B had positive earnings in the past year.
  • In the past year MFC-PR-B had a positive cash flow from operations.
  • MFC-PR-B had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years MFC-PR-B had a positive operating cash flow.
MFC-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-B.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

  • The Return On Assets of MFC-PR-B (0.51%) is comparable to the rest of the industry.
  • MFC-PR-B's Return On Equity of 10.30% is on the low side compared to the rest of the industry. MFC-PR-B is outperformed by 68.35% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.73%, MFC-PR-B is in the better half of the industry, outperforming 68.35% of the companies in the same industry.
  • MFC-PR-B had an Average Return On Invested Capital over the past 3 years of 0.76%. This is below the industry average of 3.28%.
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-B.CA Yearly ROA, ROE, ROICMFC-PR-B.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-B's Profit Margin of 13.57% is amongst the best of the industry. MFC-PR-B outperforms 91.14% of its industry peers.
  • MFC-PR-B's Profit Margin has improved in the last couple of years.
  • MFC-PR-B's Operating Margin of 22.28% is amongst the best of the industry. MFC-PR-B outperforms 88.61% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-B has grown nicely.
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-B.CA Yearly Profit, Operating, Gross MarginsMFC-PR-B.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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MFC-PR-B.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-B is destroying value.
  • The number of shares outstanding for MFC-PR-B has been reduced compared to 1 year ago.
  • The number of shares outstanding for MFC-PR-B has been reduced compared to 5 years ago.
  • Compared to 1 year ago, MFC-PR-B has an improved debt to assets ratio.
MFC-PR-B.CA Yearly Shares OutstandingMFC-PR-B.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
MFC-PR-B.CA Yearly Total Debt VS Total AssetsMFC-PR-B.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-B 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-B has a Debt to FCF ratio of 0.46. This is amongst the best in the industry. MFC-PR-B outperforms 92.41% of its industry peers.
  • MFC-PR-B has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of MFC-PR-B (0.29) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACC0.09
WACC8.19%
MFC-PR-B.CA Yearly LT Debt VS Equity VS FCFMFC-PR-B.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-B.CA Yearly Current Assets VS Current LiabilitesMFC-PR-B.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-B.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.76% over the past year.
  • The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
  • MFC-PR-B shows a small growth in Revenue. In the last year, the Revenue has grown by 3.39%.
  • The Revenue for MFC-PR-B have been decreasing by -11.65% on average. This is quite bad
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

  • The Earnings Per Share is expected to grow by 4.26% on average over the next years.
  • Based on estimates for the next years, MFC-PR-B will show a quite strong growth in Revenue. The Revenue will grow by 13.32% on average per year.
EPS Next Y9.1%
EPS Next 2Y9.21%
EPS Next 3Y9.86%
EPS Next 5Y4.26%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%

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 decreasing.
  • 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-B.CA Yearly Revenue VS EstimatesMFC-PR-B.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-B.CA Yearly EPS VS EstimatesMFC-PR-B.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 5

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7

4. MFC-PR-B.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.22 indicates a rather cheap valuation of MFC-PR-B.
  • The rest of the industry has a similar Price/Earnings ratio as MFC-PR-B.
  • MFC-PR-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
  • The Price/Forward Earnings ratio is 4.78, which indicates a rather cheap valuation of MFC-PR-B.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-B is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of MFC-PR-B to the average of the S&P500 Index (37.95), we can say MFC-PR-B is valued rather cheaply.
Industry RankSector Rank
PE 5.22
Fwd PE 4.78
MFC-PR-B.CA Price Earnings VS Forward Price EarningsMFC-PR-B.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 82.28% of the companies in the same industry are more expensive than MFC-PR-B, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-B is valued cheaply inside the industry as 84.81% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.15
EV/EBITDA 2.62
MFC-PR-B.CA Per share dataMFC-PR-B.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.
PEG (NY)0.57
PEG (5Y)0.59
EPS Next 2Y9.21%
EPS Next 3Y9.86%

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

6

5. MFC-PR-B.CA Dividend Analysis

5.1 Amount

  • MFC-PR-B has a Yearly Dividend Yield of 3.84%.
  • Compared to an average industry Dividend Yield of 3.69, MFC-PR-B has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFC-PR-B pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

5.2 History

  • On average, the dividend of MFC-PR-B grows each year by 10.03%, which is quite nice.
  • MFC-PR-B has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MFC-PR-B has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.03%
Div Incr Years0
Div Non Decr Years20
MFC-PR-B.CA Yearly Dividends per shareMFC-PR-B.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • MFC-PR-B pays out 62.94% of its income as dividend. This is not a sustainable payout ratio.
  • MFC-PR-B'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-B.CA Yearly Income VS Free CF VS DividendMFC-PR-B.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-B.CA Dividend Payout.MFC-PR-B.CA Dividend Payout, showing the Payout Ratio.MFC-PR-B.CA Dividend Payout.PayoutRetained Earnings

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MFC-PR-B.CA Fundamentals: All Metrics, Ratios and Statistics

MANULIFE FINANCIAL - MFCCN 4.65 PERP

TSX:MFC-PR-B (4/16/2026, 7:00:00 PM)

22.03

+0.16 (+0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners55.61%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap36.93B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target24.62 (11.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years20
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)-5.65%
PT rev (3m)1.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 5.22
Fwd PE 4.78
P/S 0.95
P/FCF 1.15
P/OCF 1.15
P/B 0.72
P/tB 0.96
EV/EBITDA 2.62
EPS(TTM)4.22
EY19.16%
EPS(NY)4.6
Fwd EY20.9%
FCF(TTM)19.15
FCFY86.94%
OCF(TTM)19.15
OCFY86.94%
SpS23.09
BVpS30.4
TBVpS23.05
PEG (NY)0.57
PEG (5Y)0.59
Graham Number53.7258 (143.88%)
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
WACC8.19%
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 5Y4.26%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%
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 - MFCCN 4.65 PERP / MFC-PR-B.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

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


Can you provide the valuation status for MANULIFE FINANCIAL - MFCCN 4.65 PERP?

ChartMill assigns a valuation rating of 7 / 10 to MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA). This can be considered as Undervalued.


How profitable is MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for MFC-PR-B stock?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5.22 and the Price/Book (PB) ratio is 0.72.


How sustainable is the dividend of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

The dividend rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 6 / 10 and the dividend payout ratio is 62.94%.