MFC-PR-J Fundamental Analysis - MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

Fundamental Rating

Overall MFC-PR-J gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-J against 81 industry peers in the Insurance industry. MFC-PR-J has only an average score on both its financial health and profitability. MFC-PR-J has a decent growth rate and is not valued too expensively.

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1. Profitability

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.
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

Looking at the Return On Assets, with a value of 0.53%, MFC-PR-J is in line with its industry, outperforming 50.62% 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 76.54% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.75%, MFC-PR-J is in the better half of the industry, outperforming 61.73% 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

MFC-PR-J has a Profit Margin of 13.87%. This is amongst the best in the industry. MFC-PR-J outperforms 82.72% 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 better Operating Margin (22.75%) than 80.25% 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	22.75%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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
Compared to 5 years ago, MFC-PR-J has less shares outstanding
MFC-PR-J has a better debt/assets ratio than last year.

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.
With an excellent Debt to FCF ratio value of 0.44, MFC-PR-J belongs to the best of the industry, outperforming 83.95% of the companies in the same industry.
MFC-PR-J has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MFC-PR-J (0.26) is better than 77.78% of its industry peers.

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

ROIC/WACC0.09

WACC8.32%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.55% over the past year.
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.
The Revenue has been growing slightly by 7.70% in the past year.
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.
MFC-PR-J is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.90% yearly.

EPS Next Y8.22%

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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.

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4. Valuation

4.1 Price/Earnings Ratio

MFC-PR-J is valuated cheaply with a Price/Earnings ratio of 6.21.
60.49% of the companies in the same industry are cheaper than MFC-PR-J, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.54. MFC-PR-J is valued rather cheaply when compared to this.
MFC-PR-J is valuated cheaply with a Price/Forward Earnings ratio of 5.63.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-J is on the same level as its industry peers.
MFC-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.21
Fwd PE	5.63

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 72.84% 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 74.07% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	1.41
EV/EBITDA	3.11

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)1.13

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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5. Dividend

5.1 Amount

MFC-PR-J has a Yearly Dividend Yield of 3.42%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.60, MFC-PR-J has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, MFC-PR-J pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.42%

5.2 History

The dividend of MFC-PR-J is nicely growing with an annual growth rate of 20.17%!
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

5.3 Sustainability

MFC-PR-J pays out 60.48% of its income as dividend. This is not a sustainable payout ratio.
The dividend of MFC-PR-J is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP60.48%

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

TSX:MFC-PR-J (1/15/2026, 7:00:00 PM)

25.65

+0.09 (+0.35%)

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 Cap43.22B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target27.26 (6.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.42%

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)-1.31%

PT rev (3m)-5.49%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.05%

EPS NY rev (1m)0%

EPS NY rev (3m)3.83%

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	6.21
Fwd PE	5.63
P/S	1.11
P/FCF	1.41
P/OCF	1.41
P/B	0.84
P/tB	1.07
EV/EBITDA	3.11

EPS(TTM)4.13

EY16.1%

EPS(NY)4.56

Fwd EY17.76%

FCF(TTM)18.18

FCFY70.86%

OCF(TTM)18.18

OCFY70.86%

SpS23.08

BVpS30.53

TBVpS24.01

PEG (NY)0.76

PEG (5Y)1.13

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

WACC8.32%

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 Y8.22%

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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 6.21 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%.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP / MFC-PR-J.CA FAQ

What is the fundamental rating for MFC-PR-J stock?

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?

What is the profitability of MFC-PR-J stock?

Can you provide the PE and PB ratios for MFC-PR-J stock?

Is the dividend of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP sustainable?