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

TSX:MFC-PR-J • CA56501R7673

25.57 CAD
+0.06 (+0.24%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

MFC-PR-J gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 78 industry peers in the Insurance industry. There are concerns on the financial health of MFC-PR-J while its profitability can be described as average. MFC-PR-J has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

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.
  • The reported net income has been mixed in the past 5 years: MFC-PR-J reported negative net income in multiple years.
  • MFC-PR-J had a positive operating cash flow in 4 of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 0.53%, MFC-PR-J is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • MFC-PR-J has a Return On Equity of 10.48%. This is in the lower half of the industry: MFC-PR-J underperforms 76.92% of its industry peers.
  • MFC-PR-J's Return On Invested Capital of 0.75% is fine compared to the rest of the industry. MFC-PR-J outperforms 61.54% of its industry peers.
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

  • MFC-PR-J has a better Profit Margin (13.87%) than 83.33% of its industry peers.
  • MFC-PR-J's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 22.75%, MFC-PR-J belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • There is no outstanding debt for MFC-PR-J. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
  • The Debt to FCF ratio of MFC-PR-J (0.44) is better than 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's Debt to Equity ratio of 0.26 is fine compared to the rest of the industry. MFC-PR-J outperforms 78.21% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.88% over the past year.
  • Measured over the past years, MFC-PR-J shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.69% on average per year.
EPS 1Y (TTM)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%

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 4.47% yearly.
  • MFC-PR-J is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.25% yearly.
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
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.
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

  • A Price/Earnings ratio of 6.10 indicates a rather cheap valuation of MFC-PR-J.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFC-PR-J indicates a slightly more expensive valuation: MFC-PR-J is more expensive than 61.54% of the companies listed in the same industry.
  • MFC-PR-J is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 5.60, which indicates a rather cheap valuation of MFC-PR-J.
  • 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, MFC-PR-J is valued rather cheaply.
Industry RankSector Rank
PE 6.1
Fwd PE 5.6
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 73.08% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-J is valued a bit cheaper than 74.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.4
EV/EBITDA 3.06
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)0.68
PEG (5Y)0.7
EPS Next 2Y9.27%
EPS Next 3Y5.23%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • MFC-PR-J has a Yearly Dividend Yield of 3.98%.
  • Compared to an average industry Dividend Yield of 3.92, MFC-PR-J has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, MFC-PR-J pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.98%

5.2 History

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

  • 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 2Y9.27%
EPS Next 3Y5.23%
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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Find the best dividend stocksShow peers with best dividend

MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP

TSX:MFC-PR-J (2/13/2026, 7:00:00 PM)

25.57

+0.06 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.89B
Revenue(TTM)N/A
Net Income(TTM)5.39B
Analysts75.79
Price Target27.2 (6.37%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
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)-1.42%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 6.1
Fwd PE 5.6
P/S 1.1
P/FCF 1.4
P/OCF 1.4
P/B 0.83
P/tB 1.06
EV/EBITDA 3.06
EPS(TTM)4.19
EY16.39%
EPS(NY)4.56
Fwd EY17.85%
FCF(TTM)18.26
FCFY71.42%
OCF(TTM)18.26
OCFY71.42%
SpS23.18
BVpS30.67
TBVpS24.13
PEG (NY)0.68
PEG (5Y)0.7
Graham Number53.77
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)7.88%
EPS 3Y10.53%
EPS 5Y8.69%
EPS Q2Q%5.43%
EPS Next Y9.02%
EPS Next 2Y9.27%
EPS Next 3Y5.23%
EPS Next 5Y4.47%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.32%
Revenue Next Year8.5%
Revenue Next 2Y6.04%
Revenue Next 3Y16.24%
Revenue Next 5Y12.25%
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 4 / 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 6.1 and the Price/Book (PB) ratio is 0.83.


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%.