MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-B - CA56501R4035
22.29 CAD
-0.03 (-0.13%)
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. 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
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.
In the past 5 years MFC-PR-B always reported a positive cash flow from operatings.
1.2 Ratios
MFC-PR-B has a Return On Assets of 0.56%. This is in the better half of the industry: MFC-PR-B outperforms 61.25% of its industry peers.
With a Return On Equity value of 10.90%, MFC-PR-B is not doing good in the industry: 65.00% of the companies in the same industry are doing better.
MFC-PR-B has a better Return On Invested Capital (0.80%) than 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROIC | 0.8% |
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 14.07%, 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.
MFC-PR-B has a better Operating Margin (23.25%) than 88.75% of its industry peers.
In the last couple of years the Operating Margin of MFC-PR-B has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| 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.
Compared to 5 years ago, MFC-PR-B has less shares outstanding
MFC-PR-B has a better debt/assets ratio than last year.
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.
With an excellent Debt to FCF ratio value of 0.46, MFC-PR-B belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-B is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, MFC-PR-B is in the better half of the industry, outperforming 76.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.41%
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 been growing slightly by 7.59% 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.
Looking at the last year, MFC-PR-B shows a quite strong growth in Revenue. The Revenue has grown by 11.59% in the last year.
The Revenue for MFC-PR-B have been decreasing by -13.62% on average. This is quite bad
EPS 1Y (TTM)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
3.2 Future
MFC-PR-B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
The Revenue is expected to grow by 11.40% on average over the next years. This is quite good.
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
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.
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
Based on the Price/Earnings ratio of 5.61, the valuation of MFC-PR-B can be described as very cheap.
MFC-PR-B's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of MFC-PR-B to the average of the S&P500 Index (25.89), we can say MFC-PR-B is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.04, the valuation of MFC-PR-B can be described as very cheap.
MFC-PR-B's Price/Forward Earnings is on the same level as the industry average.
MFC-PR-B is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.61 | ||
| Fwd PE | 5.04 |
4.2 Price Multiples
MFC-PR-B's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MFC-PR-B is cheaper than 81.25% of the companies in the same industry.
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 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.32 | ||
| EV/EBITDA | 2.74 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of MFC-PR-B may justify a higher PE ratio.
PEG (NY)1.32
PEG (5Y)1.02
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
MFC-PR-B has a Yearly Dividend Yield of 3.76%.
MFC-PR-B's Dividend Yield is comparable with the industry average which is at 3.67.
MFC-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
5.2 History
On average, the dividend of MFC-PR-B grows each year by 20.17%, 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 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 59.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
MFC-PR-B's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL - MFCCN 4.65 PERP
TSX:MFC-PR-B (11/14/2025, 7:00:00 PM)
22.29
-0.03 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.61%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap37.77B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.74
Price Target25.1 (12.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years0
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.7%
Min EPS beat(2)-2.89%
Max EPS beat(2)-0.52%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-2.89%
Max EPS beat(4)7.87%
EPS beat(8)6
Avg EPS beat(8)4.05%
EPS beat(12)8
Avg EPS beat(12)3.32%
EPS beat(16)10
Avg EPS beat(16)1.94%
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)1.92%
PT rev (3m)-0.99%
EPS NQ rev (1m)-0.9%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.61 | ||
| Fwd PE | 5.04 | ||
| P/S | 0.98 | ||
| P/FCF | 1.32 | ||
| P/OCF | 1.32 | ||
| P/B | 0.76 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | 2.74 |
EPS(TTM)3.97
EY17.81%
EPS(NY)4.43
Fwd EY19.85%
FCF(TTM)16.88
FCFY75.74%
OCF(TTM)16.88
OCFY75.74%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.32
PEG (5Y)1.02
Graham Number51.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROCE | 0.94% | ||
| ROIC | 0.8% | ||
| ROICexc | 0.82% | ||
| ROICexgc | 1.91% | ||
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A | ||
| FCFM | 74.06% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Debt/EBITDA | 1.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.72 | ||
| Cash Conversion | 287.17% | ||
| Profit Quality | 526.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.41%
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.69%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y57.69%
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 6 / 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 4 / 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 59.31%.