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

TSX:MFC-PR-B • CA56501R4035

Current stock price

21.94 CAD
+0.22 (+1.01%)
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.
  • Of the past 5 years MFC-PR-B 4 years were profitable.
  • In the past 5 years MFC-PR-B always reported a positive cash flow from operatings.
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

  • With a Return On Assets value of 0.51%, MFC-PR-B perfoms like the industry average, outperforming 58.97% of the companies in the same industry.
  • MFC-PR-B has a worse Return On Equity (10.30%) than 67.95% of its industry peers.
  • MFC-PR-B's Return On Invested Capital of 0.73% is fine compared to the rest of the industry. MFC-PR-B outperforms 69.23% of its industry peers.
  • 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 3.17%.
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

  • The Profit Margin of MFC-PR-B (13.57%) is better than 91.03% of its industry peers.
  • MFC-PR-B's Profit Margin has improved in the last couple of years.
  • MFC-PR-B has a better Operating Margin (22.28%) than 88.46% of its industry peers.
  • MFC-PR-B'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-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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4

2. MFC-PR-B.CA Health Analysis

2.1 Basic Checks

  • MFC-PR-B has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, MFC-PR-B has less shares outstanding
  • MFC-PR-B has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MFC-PR-B has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of MFC-PR-B is 0.46, which is an excellent value as it means it would take MFC-PR-B, only 0.46 years of fcf income to pay off all of its debts.
  • MFC-PR-B's Debt to FCF ratio of 0.46 is amongst the best of the industry. MFC-PR-B outperforms 92.31% 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.
  • With a Debt to Equity ratio value of 0.29, MFC-PR-B perfoms like the industry average, outperforming 55.13% of the companies in the same 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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4

3. MFC-PR-B.CA Growth Analysis

3.1 Past

  • MFC-PR-B shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.76%, which is quite good.
  • The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.39% in the past year.
  • 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

  • Based on estimates for the next years, MFC-PR-B will show a small growth in Earnings Per Share. The EPS will grow by 4.26% on average per year.
  • MFC-PR-B is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.32% yearly.
EPS Next Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
EPS Next 5Y4.26%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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 5.20 indicates a rather cheap valuation of MFC-PR-B.
  • The rest of the industry has a similar Price/Earnings ratio as MFC-PR-B.
  • The average S&P500 Price/Earnings ratio is at 25.61. MFC-PR-B is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 4.76 indicates a rather cheap valuation of MFC-PR-B.
  • The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-B.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, MFC-PR-B is valued rather cheaply.
Industry RankSector Rank
PE 5.2
Fwd PE 4.76
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 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-B indicates a rather cheap valuation: MFC-PR-B is cheaper than 83.33% of the companies listed in the same industry.
  • MFC-PR-B's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFC-PR-B is cheaper than 84.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.15
EV/EBITDA 2.57
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

  • MFC-PR-B's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.56
PEG (5Y)0.59
EPS Next 2Y9.22%
EPS Next 3Y9.66%

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

7

5. MFC-PR-B.CA Dividend Analysis

5.1 Amount

  • MFC-PR-B has a Yearly Dividend Yield of 4.17%, which is a nice return.
  • MFC-PR-B's Dividend Yield is comparable with the industry average which is at 3.76.
  • Compared to an average S&P500 Dividend Yield of 1.89, MFC-PR-B pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.17%

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 paid a dividend for at least 10 years, which is 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 Years19
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

  • 62.94% of the earnings are spent on dividend by MFC-PR-B. 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 2Y9.22%
EPS Next 3Y9.66%
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 (3/25/2026, 7:00:00 PM)

21.94

+0.22 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners55.76%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap36.78B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target26.09 (18.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.17%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years0
Div Non Decr Years19
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)10.43%
PT rev (3m)8.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)1.1%
EPS NY rev (3m)1.27%
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 5.2
Fwd PE 4.76
P/S 0.95
P/FCF 1.15
P/OCF 1.15
P/B 0.72
P/tB 0.95
EV/EBITDA 2.57
EPS(TTM)4.22
EY19.23%
EPS(NY)4.61
Fwd EY21.03%
FCF(TTM)19.15
FCFY87.3%
OCF(TTM)19.15
OCFY87.3%
SpS23.09
BVpS30.4
TBVpS23.05
PEG (NY)0.56
PEG (5Y)0.59
Graham Number53.73
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
WACC8.19%
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 Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
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.


What is the profitability of MFC-PR-B stock?

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


What are the PE and PB ratios of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?

The Price/Earnings (PE) ratio for MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5.2 and the Price/Book (PB) ratio is 0.72.


Can you provide the expected EPS growth for MFC-PR-B stock?

The Earnings per Share (EPS) of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is expected to grow by 9.32% in the next year.