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

Canada • Toronto Stock Exchange • TSX:MFC-PR-J • CA56501R7673

25.5 CAD
-0.08 (-0.31%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

5

MFC-PR-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • MFC-PR-J had positive earnings in the past year.
  • In the past year MFC-PR-J had a positive cash flow from operations.
  • Of the past 5 years MFC-PR-J 4 years were profitable.
  • In the past 5 years MFC-PR-J always reported a positive cash flow from operatings.
MFC-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

  • MFC-PR-J has a Return On Assets (0.53%) which is in line with its industry peers.
  • The Return On Equity of MFC-PR-J (10.48%) is worse than 73.75% of its industry peers.
  • With a decent Return On Invested Capital value of 0.75%, MFC-PR-J is doing good in the industry, outperforming 65.00% of the companies in the same industry.
Industry RankSector 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
MFC-PR-J.CA Yearly ROA, ROE, ROICMFC-PR-J.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • With an excellent Profit Margin value of 13.87%, MFC-PR-J belongs to the best of the industry, outperforming 86.25% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MFC-PR-J has grown nicely.
  • MFC-PR-J has a better Operating Margin (22.75%) than 83.75% of its industry peers.
  • MFC-PR-J's Operating Margin has improved in the last couple of years.
Industry RankSector 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
MFC-PR-J.CA Yearly Profit, Operating, Gross MarginsMFC-PR-J.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-J is destroying value.
  • Compared to 1 year ago, MFC-PR-J has less shares outstanding
  • Compared to 5 years ago, MFC-PR-J has less shares outstanding
  • The debt/assets ratio for MFC-PR-J has been reduced compared to a year ago.
MFC-PR-J.CA Yearly Shares OutstandingMFC-PR-J.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-J.CA Yearly Total Debt VS Total AssetsMFC-PR-J.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • MFC-PR-J 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-J belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • A Debt/Equity ratio of 0.26 indicates that MFC-PR-J is not too dependend on debt financing.
  • The Debt to Equity ratio of MFC-PR-J (0.26) is better than 81.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.48%
MFC-PR-J.CA Yearly LT Debt VS Equity VS FCFMFC-PR-J.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-J.CA Yearly Current Assets VS Current LiabilitesMFC-PR-J.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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4

3. Growth

3.1 Past

  • MFC-PR-J shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
  • Measured over the past 5 years, MFC-PR-J shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
  • 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

  • MFC-PR-J 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 11.90% on average over the next years. This is quite good.
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.
  • 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.
MFC-PR-J.CA Yearly Revenue VS EstimatesMFC-PR-J.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MFC-PR-J.CA Yearly EPS VS EstimatesMFC-PR-J.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.17, which indicates a rather cheap valuation of MFC-PR-J.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-J is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 28.41, MFC-PR-J is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.59, the valuation of MFC-PR-J can be described as very cheap.
  • 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 25.64. MFC-PR-J is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.17
Fwd PE 5.59
MFC-PR-J.CA Price Earnings VS Forward Price EarningsMFC-PR-J.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MFC-PR-J is valued a bit cheaper than 76.25% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-J is valued a bit cheaper than the industry average as 77.50% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.4
EV/EBITDA 3.09
MFC-PR-J.CA Per share dataMFC-PR-J.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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%

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5

5. Dividend

5.1 Amount

  • MFC-PR-J has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
  • MFC-PR-J's Dividend Yield is slightly below the industry average, which is at 3.50.
  • MFC-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.39%

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 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)20.17%
Div Incr Years2
Div Non Decr Years4
MFC-PR-J.CA Yearly Dividends per shareMFC-PR-J.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 60.48% of the earnings are spent on dividend by MFC-PR-J. 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%
MFC-PR-J.CA Yearly Income VS Free CF VS DividendMFC-PR-J.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B
MFC-PR-J.CA Dividend Payout.MFC-PR-J.CA Dividend Payout, showing the Payout Ratio.MFC-PR-J.CA Dividend Payout.PayoutRetained Earnings

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MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

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

25.5

-0.08 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.97B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.16 (6.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
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)-0.37%
PT rev (3m)-5.84%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)4.13%
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 RankSector Rank
PE 6.17
Fwd PE 5.59
P/S 1.1
P/FCF 1.4
P/OCF 1.4
P/B 0.84
P/tB 1.06
EV/EBITDA 3.09
EPS(TTM)4.13
EY16.2%
EPS(NY)4.56
Fwd EY17.9%
FCF(TTM)18.18
FCFY71.28%
OCF(TTM)18.18
OCFY71.28%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.76
PEG (5Y)1.12
Graham Number53.26
Profitability
Industry RankSector 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 RankSector 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 6.17 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%.