MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-B - CA56501R4035
21.98 CAD
+0.13 (+0.59%)
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 has a correct valuation and a medium growth rate. Finally MFC-PR-B also has an excellent dividend rating. This makes MFC-PR-B very considerable for dividend investing!
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.
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
MFC-PR-B has a Return On Assets of 0.53%. This is comparable to the rest of the industry: MFC-PR-B outperforms 60.00% 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.
MFC-PR-B has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-B outperforms 67.50% 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
MFC-PR-B has a Profit Margin of 13.87%. This is amongst the best in 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.
MFC-PR-B has a better Operating Margin (22.75%) 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 | 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
MFC-PR-B has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MFC-PR-B has less shares outstanding than it did 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
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 92.50% of the companies in the same industry.
MFC-PR-B has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.26, MFC-PR-B belongs to the top 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
WACC8.34%
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.
The Revenue has been growing slightly by 7.70% in the past year.
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
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.
Based on estimates for the next years, MFC-PR-B will show a quite strong growth in Revenue. The Revenue will grow by 11.40% on average per year.
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
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
With a Price/Earnings ratio of 5.32, the valuation of MFC-PR-B can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-B is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.31. MFC-PR-B is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 4.97 indicates a rather cheap valuation of MFC-PR-B.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-B is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of MFC-PR-B to the average of the S&P500 Index (36.59), we can say MFC-PR-B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.32 | ||
| Fwd PE | 4.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-B is valued cheaper than 81.25% of the companies in the same industry.
MFC-PR-B's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MFC-PR-B is cheaper than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.22 | ||
| EV/EBITDA | 2.48 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)0.97
EPS Next 2Y6.8%
EPS Next 3Y7.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.16%, MFC-PR-B is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.36, MFC-PR-B pays a better dividend. On top of this MFC-PR-B pays more dividend than 96.25% of the companies listed in the same industry.
MFC-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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 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
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 2Y6.8%
EPS Next 3Y7.72%
MANULIFE FINANCIAL - MFCCN 4.65 PERP
TSX:MFC-PR-B (11/28/2025, 7:00:00 PM)
21.98
+0.13 (+0.59%)
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 Cap37.25B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target24.7 (12.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
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)0.29%
PT rev (3m)-4.32%
EPS NQ rev (1m)3.73%
EPS NQ rev (3m)3.68%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.32 | ||
| Fwd PE | 4.97 | ||
| P/S | 0.96 | ||
| P/FCF | 1.22 | ||
| P/OCF | 1.22 | ||
| P/B | 0.72 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 2.48 |
EPS(TTM)4.13
EY18.79%
EPS(NY)4.43
Fwd EY20.13%
FCF(TTM)18.07
FCFY82.23%
OCF(TTM)18.07
OCFY82.23%
SpS22.95
BVpS30.36
TBVpS23.88
PEG (NY)1.25
PEG (5Y)0.97
Graham Number53.11
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
WACC8.34%
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 Y4.26%
EPS Next 2Y6.8%
EPS Next 3Y7.72%
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 Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y6.84%
Revenue Next 5Y11.4%
EBIT growth 1Y1.1%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
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 6 / 10 to MANULIFE FINANCIAL - MFCCN 4.65 PERP (MFC-PR-B.CA). This can be considered as Fairly Valued.
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 8 / 10 and the dividend payout ratio is 60.48%.