MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-B - CA56501R4035
22.05 CAD
-0.15 (-0.68%)
MFC-PR-B gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. MFC-PR-B has an average financial health and profitability rating. MFC-PR-B may be a bit undervalued, certainly considering the very reasonable score on growth This makes MFC-PR-B very considerable for value investing!
1. Profitability
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.
1.2 Ratios
With a Return On Assets value of 0.53%, MFC-PR-B perfoms like the industry average, outperforming 58.54% of the companies in the same industry.
MFC-PR-B has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-B underperforms 68.29% of its industry peers.
With a decent Return On Invested Capital value of 0.75%, MFC-PR-B is doing good in the industry, outperforming 69.51% 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-B belongs to the best of the industry, outperforming 92.68% of the companies in the same industry.
MFC-PR-B's Profit Margin has improved in the last couple of years.
MFC-PR-B's Operating Margin of 22.75% is amongst the best of the industry. MFC-PR-B outperforms 90.24% of its industry peers.
MFC-PR-B'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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-B is destroying value.
The number of shares outstanding for MFC-PR-B has been reduced compared to 1 year ago.
MFC-PR-B has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MFC-PR-B has an improved debt to assets ratio.
2.2 Solvency
MFC-PR-B has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.44, MFC-PR-B belongs to the top of the industry, outperforming 93.90% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that MFC-PR-B is not too dependend on debt financing.
MFC-PR-B's Debt to Equity ratio of 0.26 is amongst the best of the industry. MFC-PR-B outperforms 87.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.38%
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-B shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
MFC-PR-B shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
Measured over the past years, MFC-PR-B 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.
MFC-PR-B is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.43% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.34, which 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 26.57.
The Price/Forward Earnings ratio is 4.84, which indicates a rather cheap valuation of MFC-PR-B.
MFC-PR-B's Price/Forward Earnings is on the same level as the industry average.
MFC-PR-B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.34 | ||
| Fwd PE | 4.84 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-B is valued cheaply inside the industry as 81.71% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-B indicates a somewhat cheap valuation: MFC-PR-B is cheaper than 63.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.21 | ||
| EV/EBITDA | 2.49 |
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)0.65
PEG (5Y)0.97
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-B has a Yearly Dividend Yield of 3.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.07, MFC-PR-B has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, MFC-PR-B pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
5.2 History
The dividend of MFC-PR-B is nicely growing with an annual growth rate of 20.17%!
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)20.17%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
MFC-PR-B pays out 60.48% 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.
DP60.48%
EPS Next 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL - MFCCN 4.65 PERP
TSX:MFC-PR-B (12/24/2025, 7:00:00 PM)
22.05
-0.15 (-0.68%)
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 Cap37.15B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target24.28 (10.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years0
Div Non Decr Years19
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)-0.48%
PT rev (3m)-1.99%
EPS NQ rev (1m)0.4%
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 | 5.34 | ||
| Fwd PE | 4.84 | ||
| P/S | 0.96 | ||
| P/FCF | 1.21 | ||
| P/OCF | 1.21 | ||
| P/B | 0.72 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 2.49 |
EPS(TTM)4.13
EY18.73%
EPS(NY)4.56
Fwd EY20.66%
FCF(TTM)18.18
FCFY82.43%
OCF(TTM)18.18
OCFY82.43%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.65
PEG (5Y)0.97
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
WACC8.38%
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 - MFCCN 4.65 PERP / MFC-PR-B.CA 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.
What is the valuation status of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) stock?
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.
Can you provide the financial health for MFC-PR-B stock?
The financial health rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 5 / 10.
Is the dividend of MANULIFE FINANCIAL - MFCCN 4.65 PERP sustainable?
The dividend rating of MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) is 6 / 10 and the dividend payout ratio is 60.48%.