MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) Stock Fundamental Analysis

TSX:MFC-PR-J • CA56501R7673

25.51 CAD

-0.01 (-0.04%)

Last: Feb 11, 2026, 07:00 PM

Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News

Fundamental Rating

Taking everything into account, MFC-PR-J scores 5 out of 10 in our fundamental rating. MFC-PR-J was compared to 78 industry peers in the Insurance industry. MFC-PR-J has an average financial health and profitability rating. MFC-PR-J has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

1. Profitability

1.1 Basic Checks

In the past year MFC-PR-J was profitable.
MFC-PR-J had a positive operating cash flow in the past year.
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 0.53%, MFC-PR-J perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.48%, MFC-PR-J is doing worse than 76.92% of the companies in the same industry.
With a decent Return On Invested Capital value of 0.75%, MFC-PR-J is doing good in the industry, outperforming 61.54% 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

The Profit Margin of MFC-PR-J (13.87%) is better than 83.33% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-J has grown nicely.
The Operating Margin of MFC-PR-J (22.75%) is better than 80.77% of its industry peers.
MFC-PR-J'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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-J is destroying value.
Compared to 1 year ago, MFC-PR-J has less shares outstanding
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 0.44, which is an excellent value as it means it would take MFC-PR-J, only 0.44 years of fcf income to pay off all of its debts.
MFC-PR-J has a Debt to FCF ratio of 0.44. This is amongst the best in the industry. MFC-PR-J outperforms 84.62% of its industry peers.
MFC-PR-J has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
MFC-PR-J has a better Debt to Equity ratio (0.26) than 78.21% of its industry peers.

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

ROIC/WACC0.09

WACC8.48%

2.3 Liquidity

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

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.55% over the past year.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
MFC-PR-J shows a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
The Revenue for MFC-PR-J have been decreasing by -13.62% on average. This is quite bad

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-J will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.

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

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.

More info and screens

Find the best growth stocks Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

MFC-PR-J is valuated cheaply with a Price/Earnings ratio of 6.18.
Based on the Price/Earnings ratio, MFC-PR-J is valued a bit more expensive than the industry average as 61.54% of the companies are valued more cheaply.
MFC-PR-J's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
A Price/Forward Earnings ratio of 5.59 indicates a rather cheap valuation of MFC-PR-J.
MFC-PR-J's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, MFC-PR-J is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.18
Fwd PE	5.59

4.2 Price Multiples

MFC-PR-J's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MFC-PR-J is cheaper than 73.08% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-J indicates a somewhat cheap valuation: MFC-PR-J is cheaper than 74.36% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.4
EV/EBITDA	3.08

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)0.76

PEG (5Y)1.12

EPS Next 2Y8.45%

EPS Next 3Y8.81%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. Dividend

5.1 Amount

MFC-PR-J has a Yearly Dividend Yield of 3.43%.
MFC-PR-J's Dividend Yield is slightly below the industry average, which is at 3.53.
MFC-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.

		Industry Rank	Sector Rank
Dividend Yield	3.43%

5.2 History

On average, the dividend of MFC-PR-J grows each year by 20.17%, which is quite nice.
MFC-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
MFC-PR-J has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)20.17%

Div Incr Years2

Div Non Decr Years4

5.3 Sustainability

MFC-PR-J pays out 60.48% 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.

DP60.48%

EPS Next 2Y8.45%

EPS Next 3Y8.81%

More info and screens

Find the best dividend stocks Show peers with best dividend

MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

TSX:MFC-PR-J (2/11/2026, 7:00:00 PM)

25.51

-0.01 (-0.04%)

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 Cap42.98B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target27.2 (6.62%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.43%

Yearly Dividend1.79

Dividend Growth(5Y)20.17%

DP60.48%

Div Incr Years2

Div Non Decr Years4

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)-0.23%

PT rev (3m)-3.06%

EPS NQ rev (1m)0.3%

EPS NQ rev (3m)3.86%

EPS NY rev (1m)-0.05%

EPS NY rev (3m)3.78%

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	6.18
Fwd PE	5.59
P/S	1.11
P/FCF	1.4
P/OCF	1.4
P/B	0.84
P/tB	1.06
EV/EBITDA	3.08

EPS(TTM)4.13

EY16.19%

EPS(NY)4.56

Fwd EY17.89%

FCF(TTM)18.18

FCFY71.25%

OCF(TTM)18.18

OCFY71.25%

SpS23.08

BVpS30.53

TBVpS24.01

PEG (NY)0.76

PEG (5Y)1.12

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

WACC8.48%

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 Y8.17%

EPS Next 2Y8.45%

EPS Next 3Y8.81%

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 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 6.18 and the Price/Book (PB) ratio is 0.84.

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 60.48%.