MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) Fundamental Analysis & Valuation
TSX:MFC-PR-J • CA56501R7673
25.79 CAD
+0.25 (+0.98%)
Last: Mar 5, 2026, 07:00 PM
This MFC-PR-J.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, MFC-PR-J scores 5 out of 10 in our fundamental rating. MFC-PR-J was compared to 80 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-J get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-J has a decent growth rate and is not valued too expensively.
1. MFC-PR-J.CA Profitability Analysis
1.1 Basic Checks
- In the past year MFC-PR-J was profitable.
- In the past year MFC-PR-J had a positive cash flow from operations.
- MFC-PR-J had positive earnings in 4 of the past 5 years.
- In the past 5 years MFC-PR-J always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.51%, MFC-PR-J perfoms like the industry average, outperforming 51.25% of the companies in the same industry.
- MFC-PR-J's Return On Equity of 10.30% is on the low side compared to the rest of the industry. MFC-PR-J is outperformed by 76.25% of its industry peers.
- The Return On Invested Capital of MFC-PR-J (0.73%) is better than 61.25% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for MFC-PR-J is below the industry average of 3.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 10.3% | ||
| ROIC | 0.73% |
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
ROIC(5y)N/A
1.3 Margins
- MFC-PR-J's Profit Margin of 13.57% is amongst the best of the industry. MFC-PR-J outperforms 83.75% of its industry peers.
- MFC-PR-J's Profit Margin has improved in the last couple of years.
- MFC-PR-J has a better Operating Margin (22.28%) than 81.25% of its industry peers.
- In the last couple of years the Operating Margin of MFC-PR-J has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.28% | ||
| PM (TTM) | 13.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
GM growth 3YN/A
GM growth 5YN/A
2. MFC-PR-J.CA Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-J is destroying value.
- MFC-PR-J has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for MFC-PR-J has been reduced compared to 5 years ago.
- The debt/assets ratio for MFC-PR-J has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of MFC-PR-J is 0.46, which is an excellent value as it means it would take MFC-PR-J, only 0.46 years of fcf income to pay off all of its debts.
- MFC-PR-J has a better Debt to FCF ratio (0.46) than 83.75% of its industry peers.
- MFC-PR-J has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
- MFC-PR-J has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. MFC-PR-J.CA Growth Analysis
3.1 Past
- MFC-PR-J shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.76%, which is quite good.
- The Earnings Per Share has been growing by 8.86% on average over the past years. This is quite good.
- MFC-PR-J shows a small growth in Revenue. In the last year, the Revenue has grown by 3.39%.
- Measured over the past years, MFC-PR-J shows a very negative growth in Revenue. The Revenue has been decreasing by -11.65% on average per year.
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
3.2 Future
- MFC-PR-J is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.26% yearly.
- Based on estimates for the next years, MFC-PR-J will show a quite strong growth in Revenue. The Revenue will grow by 12.25% on average per year.
EPS Next Y8.14%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
EPS Next 5Y4.26%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
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 decreasing.
- 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. MFC-PR-J.CA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 6.11, which indicates a rather cheap valuation of MFC-PR-J.
- Based on the Price/Earnings ratio, MFC-PR-J is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 26.69, MFC-PR-J is valued rather cheaply.
- The Price/Forward Earnings ratio is 5.65, which indicates a rather cheap valuation of MFC-PR-J.
- MFC-PR-J's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.79. MFC-PR-J is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.11 | ||
| Fwd PE | 5.65 |
4.2 Price Multiples
- 75.00% of the companies in the same industry are more expensive than MFC-PR-J, based on the Enterprise Value to EBITDA ratio.
- 76.25% of the companies in the same industry are more expensive than MFC-PR-J, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.35 | ||
| EV/EBITDA | 3.29 |
4.3 Compensation for Growth
- MFC-PR-J's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.75
PEG (5Y)0.69
EPS Next 2Y8.83%
EPS Next 3Y4.94%
5. MFC-PR-J.CA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 3.96%, MFC-PR-J has a reasonable but not impressive dividend return.
- With a Dividend Yield of 3.96, MFC-PR-J pays less dividend than the industry average, which is at 4.43. 85.00% of the companies listed in the same industry pay a better dividend than MFC-PR-J!
- Compared to an average S&P500 Dividend Yield of 1.82, MFC-PR-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
5.2 History
- On average, the dividend of MFC-PR-J grows each year by 10.03%, which is quite nice.
- MFC-PR-J has paid a dividend for at least 10 years, which is a reliable track record.
- MFC-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.03%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
- MFC-PR-J pays out 62.94% of its income as dividend. This is not a sustainable payout ratio.
- MFC-PR-J's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.94%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
MFC-PR-J.CA Fundamentals: All Metrics, Ratios and Statistics
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP
TSX:MFC-PR-J (3/5/2026, 7:00:00 PM)
25.79
+0.25 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2026-02-11/amc
Earnings (Next)05-05 2026-05-05/amc
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap43.25B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target29.8 (15.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years2
Div Non Decr Years4
Ex-Date02-25 2026-02-25 (0.384938)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.84%
Min EPS beat(2)4.6%
Max EPS beat(2)11.07%
EPS beat(4)2
Avg EPS beat(4)3.07%
Min EPS beat(4)-2.89%
Max EPS beat(4)11.07%
EPS beat(8)6
Avg EPS beat(8)3.82%
EPS beat(12)9
Avg EPS beat(12)4.24%
EPS beat(16)11
Avg EPS beat(16)3.12%
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)9.72%
PT rev (3m)5.97%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)1.14%
EPS NY rev (1m)0%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.11 | ||
| Fwd PE | 5.65 | ||
| P/S | 1.12 | ||
| P/FCF | 1.35 | ||
| P/OCF | 1.35 | ||
| P/B | 0.85 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | 3.29 |
EPS(TTM)4.22
EY16.36%
EPS(NY)4.56
Fwd EY17.69%
FCF(TTM)19.14
FCFY74.22%
OCF(TTM)19.14
OCFY74.22%
SpS23.08
BVpS30.38
TBVpS23.03
PEG (NY)0.75
PEG (5Y)0.69
Graham Number53.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 10.3% | ||
| ROCE | 0.86% | ||
| ROIC | 0.73% | ||
| ROICexc | 0.75% | ||
| ROICexgc | 1.75% | ||
| OM | 22.28% | ||
| PM (TTM) | 13.57% | ||
| GM | N/A | ||
| FCFM | 82.95% |
ROA(3y)0.53%
ROA(5y)0.41%
ROE(3y)10.1%
ROE(5y)7.53%
ROIC(3y)0.76%
ROIC(5y)N/A
ROICexc(3y)0.78%
ROICexc(5y)N/A
ROICexgc(3y)1.78%
ROICexgc(5y)N/A
ROCE(3y)0.9%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.35%
ROICexc growth 3YN/A
ROICexc growth 5Y3.45%
OM growth 3YN/A
OM growth 5Y20.81%
PM growth 3YN/A
PM growth 5Y11.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.46 | ||
| Debt/EBITDA | 1.54 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.69 | ||
| Cash Conversion | 337.91% | ||
| Profit Quality | 611.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.24%
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)519.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.76%
EPS 3Y10.83%
EPS 5Y8.86%
EPS Q2Q%8.74%
EPS Next Y8.14%
EPS Next 2Y8.83%
EPS Next 3Y4.94%
EPS Next 5Y4.26%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y19.45%
Revenue growth 5Y-11.65%
Sales Q2Q%-24.06%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
EBIT growth 1Y-1.68%
EBIT growth 3YN/A
EBIT growth 5Y6.73%
EBIT Next Year-67.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.18%
FCF growth 3Y24.52%
FCF growth 5Y9.88%
OCF growth 1Y21.18%
OCF growth 3Y24.52%
OCF growth 5Y9.88%
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP / MFC-PR-J.CA FAQ
What is the fundamental rating for MFC-PR-J stock?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-J.CA.
What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA). This can be considered as Fairly Valued.
What is the profitability of MFC-PR-J stock?
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for MFC-PR-J stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 6.11 and the Price/Book (PB) ratio is 0.85.
Is the dividend of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP sustainable?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 5 / 10 and the dividend payout ratio is 62.94%.