MFC-PR-B Fundamental Analysis - MANULIFE FINANCIAL - MFCCN 4.65 PERP

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to MFC-PR-B. MFC-PR-B was compared to 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 These ratings could make MFC-PR-B a good candidate for value investing.

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1. Profitability

1.1 Basic Checks

In the past year MFC-PR-B was profitable.
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 0.53%. This is comparable to the rest of the industry: MFC-PR-B outperforms 58.75% of its industry peers.
Looking at the Return On Equity, with a value of 10.48%, MFC-PR-B is doing worse than 67.50% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-B is in the better half of the industry, outperforming 70.00% 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

MFC-PR-B's Profit Margin of 13.87% is amongst the best of the industry. MFC-PR-B outperforms 91.25% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-B has grown nicely.
The Operating Margin of MFC-PR-B (22.75%) is better than 88.75% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
MFC-PR-B has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MFC-PR-B has been reduced compared to 5 years ago.
The debt/assets ratio for MFC-PR-B has been reduced compared to a year ago.

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's Debt to FCF ratio of 0.44 is amongst the best of the industry. MFC-PR-B outperforms 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.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-B belongs to the best of the industry, outperforming 86.25% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	0.44
Altman-Z	N/A

ROIC/WACC0.09

WACC8.54%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.55% over the past year.
Measured over the past 5 years, MFC-PR-B shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
MFC-PR-B shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
MFC-PR-B shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.

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.
Based on estimates for the next years, MFC-PR-B will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.

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 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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 5.29 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 is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.79, the valuation of MFC-PR-B can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-B.
MFC-PR-B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.

		Industry Rank	Sector Rank
PE	5.29
Fwd PE	4.79

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 82.50% of the companies in the same industry.
82.50% of the companies in the same industry are more expensive than MFC-PR-B, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	1.2
EV/EBITDA	2.46

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)0.64

PEG (5Y)0.96

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.37%, MFC-PR-B has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.15, MFC-PR-B is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.84, MFC-PR-B pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.37%

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

60.48% of the earnings are spent on dividend by MFC-PR-B. This is not a sustainable payout ratio.
The dividend of MFC-PR-B is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP60.48%

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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MANULIFE FINANCIAL - MFCCN 4.65 PERP

TSX:MFC-PR-B (1/19/2026, 7:00:00 PM)

21.83

+0.08 (+0.37%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-12 2025-11-12/amc

Earnings (Next)02-11 2026-02-11/amc

Inst Owners56.4%

Inst Owner ChangeN/A

Ins Owners0.06%

Ins Owner ChangeN/A

Market Cap36.78B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target23.62 (8.2%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.37%

Yearly Dividend1.79

Dividend Growth(5Y)20.17%

DP60.48%

Div Incr Years0

Div Non Decr Years19

Ex-DateN/A

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)-2.12%

PT rev (3m)-4.1%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.14%

EPS NY rev (1m)0%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.25%

Valuation

		Industry Rank	Sector Rank
PE	5.29
Fwd PE	4.79
P/S	0.95
P/FCF	1.2
P/OCF	1.2
P/B	0.72
P/tB	0.91
EV/EBITDA	2.46

EPS(TTM)4.13

EY18.92%

EPS(NY)4.56

Fwd EY20.87%

FCF(TTM)18.18

FCFY83.26%

OCF(TTM)18.18

OCFY83.26%

SpS23.08

BVpS30.53

TBVpS24.01

PEG (NY)0.64

PEG (5Y)0.96

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

WACC8.54%

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 5Y11.9%

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.

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 5.29 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 8.22% in the next year.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

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

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

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

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