MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:MFC-PR-B • CA56501R4035
22.25 CAD
+0.25 (+1.14%)
Last: Jan 30, 2026, 07:00 PM
Overall MFC-PR-B gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-B against 80 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-B get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-B scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes MFC-PR-B very considerable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year MFC-PR-B was profitable.
- MFC-PR-B had a positive operating cash flow in the past year.
- Of the past 5 years MFC-PR-B 4 years were profitable.
- Each year in the past 5 years MFC-PR-B had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of MFC-PR-B (0.53%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 10.48%, MFC-PR-B is doing worse than 68.75% of the companies in the same industry.
- MFC-PR-B's Return On Invested Capital of 0.75% is fine compared to the rest of the industry. MFC-PR-B outperforms 68.75% 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
- With an excellent Profit Margin value of 13.87%, MFC-PR-B belongs to the best of the industry, outperforming 91.25% of the companies in the same industry.
- In the last couple of years the Profit Margin of MFC-PR-B has grown nicely.
- With an excellent Operating Margin value of 22.75%, MFC-PR-B belongs to the best of the industry, outperforming 88.75% of the companies in the same industry.
- 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-B 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.
- Compared to 1 year ago, MFC-PR-B has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of MFC-PR-B is 0.44, which is an excellent value as it means it would take MFC-PR-B, only 0.44 years of fcf income to pay off all of its debts.
- MFC-PR-B has a better Debt to FCF ratio (0.44) than 92.50% of its industry peers.
- A Debt/Equity ratio of 0.26 indicates that MFC-PR-B is not too dependend on debt financing.
- The Debt to Equity ratio of MFC-PR-B (0.26) is better than 86.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.53%
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
- Based on estimates for the next years, MFC-PR-B will show a small growth in Earnings Per Share. The EPS will grow by 5.15% 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 11.90% yearly.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%
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
- A Price/Earnings ratio of 5.39 indicates a rather cheap valuation of MFC-PR-B.
- Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-B is on the same level as its industry peers.
- MFC-PR-B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.32.
- The Price/Forward Earnings ratio is 4.88, which 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.
- MFC-PR-B is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.39 | ||
| Fwd PE | 4.88 |
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 82.50% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, MFC-PR-B is valued cheaper than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.22 | ||
| EV/EBITDA | 2.53 |
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)0.66
PEG (5Y)0.98
EPS Next 2Y8.45%
EPS Next 3Y8.81%
5. Dividend
5.1 Amount
- MFC-PR-B has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
- MFC-PR-B's Dividend Yield is slightly below the industry average, which is at 3.50.
- MFC-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
5.2 History
- The dividend of MFC-PR-B is nicely growing with an annual growth rate of 20.17%!
- 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)20.17%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
- 60.48% 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.
DP60.48%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
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.
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 5.39 and the Price/Book (PB) ratio is 0.73.
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 8.17% in the next year.