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

TSX:MFC-PR-J • CA56501R7673

Current stock price

25.54 CAD
+0.02 (+0.08%)
Last:

This MFC-PR-J.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. MFC-PR-J.CA Profitability Analysis

1.1 Basic Checks

  • MFC-PR-J had positive earnings in the past year.
  • MFC-PR-J had a positive operating cash flow in the past year.
  • Of the past 5 years MFC-PR-J 4 years were profitable.
  • Each year in the past 5 years MFC-PR-J had a positive operating cash flow.
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 2025 0 10B 20B 30B

1.2 Ratios

  • MFC-PR-J has a Return On Assets (0.51%) which is comparable to the rest of the industry.
  • MFC-PR-J has a worse Return On Equity (10.30%) than 77.22% of its industry peers.
  • With a decent Return On Invested Capital value of 0.73%, MFC-PR-J is doing good in the industry, outperforming 60.76% of the companies in the same industry.
  • MFC-PR-J had an Average Return On Invested Capital over the past 3 years of 0.76%. This is below the industry average of 3.22%.
Industry RankSector 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
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 2025 0 5 10

1.3 Margins

  • MFC-PR-J has a better Profit Margin (13.57%) than 83.54% of its industry peers.
  • In the last couple of years the Profit Margin of MFC-PR-J has grown nicely.
  • MFC-PR-J has a Operating Margin of 22.28%. This is amongst the best in the industry. MFC-PR-J outperforms 81.01% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-J has grown nicely.
Industry RankSector 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
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 2025 0 10 20

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4

2. MFC-PR-J.CA Health Analysis

2.1 Basic Checks

  • MFC-PR-J has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • MFC-PR-J has less shares outstanding than it did 1 year ago.
  • MFC-PR-J has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MFC-PR-J has an improved debt to assets ratio.
MFC-PR-J.CA Yearly Shares OutstandingMFC-PR-J.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B 1T

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 Debt to FCF ratio of 0.46. This is amongst the best in the industry. MFC-PR-J outperforms 84.81% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that MFC-PR-J is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.29, MFC-PR-J is in line with its industry, outperforming 48.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.46
Altman-Z N/A
ROIC/WACC0.09
WACC8.16%
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 2025 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 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MFC-PR-J.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.76% over the past year.
  • MFC-PR-J shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.86% yearly.
  • 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

  • Based on estimates for the next years, MFC-PR-J will show a small growth in Earnings Per Share. The EPS will grow by 4.26% on average per year.
  • MFC-PR-J is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.32% yearly.
EPS Next Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
EPS Next 5Y4.26%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y13.32%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 5

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6

4. MFC-PR-J.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.05 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 60.76% of the companies are valued more cheaply.
  • MFC-PR-J is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 5.54, the valuation of MFC-PR-J can be described as very cheap.
  • MFC-PR-J's Price/Forward Earnings ratio is in line with the industry average.
  • MFC-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.05
Fwd PE 5.54
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

  • MFC-PR-J's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MFC-PR-J is cheaper than 74.68% of the companies in the same industry.
  • 75.95% of the companies in the same industry are more expensive than MFC-PR-J, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.33
EV/EBITDA 3.24
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

  • 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)0.65
PEG (5Y)0.68
EPS Next 2Y9.22%
EPS Next 3Y9.66%

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6

5. MFC-PR-J.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.06%, MFC-PR-J is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.82, MFC-PR-J has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.88, MFC-PR-J pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.06%

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
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 2026 0.5 1 1.5

5.3 Sustainability

  • 62.94% 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.
DP62.94%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
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 2025 0 10B 20B 30B
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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MFC-PR-J.CA Fundamentals: All Metrics, Ratios and Statistics

MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

TSX:MFC-PR-J (4/2/2026, 7:00:00 PM)

25.54

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners55.76%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.81B
Revenue(TTM)38.71B
Net Income(TTM)5.25B
Analysts75.79
Price Target29.8 (16.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.06%
Yearly Dividend1.94
Dividend Growth(5Y)10.03%
DP62.94%
Div Incr Years2
Div Non Decr Years4
Ex-Date02-25
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)9.57%
PT rev (3m)9.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)1.1%
EPS NY rev (3m)1.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.05
Fwd PE 5.54
P/S 1.11
P/FCF 1.33
P/OCF 1.33
P/B 0.84
P/tB 1.11
EV/EBITDA 3.24
EPS(TTM)4.22
EY16.52%
EPS(NY)4.61
Fwd EY18.06%
FCF(TTM)19.15
FCFY74.99%
OCF(TTM)19.15
OCFY74.99%
SpS23.09
BVpS30.4
TBVpS23.05
PEG (NY)0.65
PEG (5Y)0.68
Graham Number53.73
Profitability
Industry RankSector 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 RankSector 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
WACC8.16%
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 Y9.32%
EPS Next 2Y9.22%
EPS Next 3Y9.66%
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 5Y13.32%
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 Fundamental Analysis 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.


Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP?

MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) has a profitability rating of 5 / 10.


How financially healthy is MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP?

The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 4 / 10.


Can you provide the dividend sustainability for MFC-PR-J stock?

The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 6 / 10 and the dividend payout ratio is 62.94%.