MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-J - CA56501R7673
25.34 CAD
-0.14 (-0.55%)
We assign a fundamental rating of 5 out of 10 to MFC-PR-J. MFC-PR-J was compared to 79 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 decent growth rate and is not valued too expensively.
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.
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.
1.2 Ratios
MFC-PR-J has a Return On Assets (0.53%) which is comparable to the rest of the industry.
With a Return On Equity value of 10.48%, MFC-PR-J is not doing good in the industry: 74.68% of the companies in the same industry are doing better.
MFC-PR-J has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-J outperforms 62.03% of its industry peers.
| 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 86.08% 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 83.54% 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
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.
The number of shares outstanding for MFC-PR-J has been reduced compared to 1 year ago.
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
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 87.34% 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.
Looking at the Debt to Equity ratio, with a value of 0.26, MFC-PR-J belongs to the top of the industry, outperforming 81.01% of the companies in the same industry.
| 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 |
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.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
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
Based on estimates for the next years, MFC-PR-J will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
The Revenue is expected to grow by 12.43% on average over the next years. This is quite good.
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 5Y12.43%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.14 indicates a rather cheap valuation of MFC-PR-J.
MFC-PR-J's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.60. MFC-PR-J is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 5.56, the valuation of MFC-PR-J can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-J.
MFC-PR-J's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 5.56 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-J indicates a somewhat cheap valuation: MFC-PR-J is cheaper than 73.42% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, MFC-PR-J is valued a bit cheaper than 74.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.39 | ||
| EV/EBITDA | 3.08 |
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)0.75
PEG (5Y)1.12
EPS Next 2Y8.36%
EPS Next 3Y8.8%
5. Dividend
5.1 Amount
MFC-PR-J has a Yearly Dividend Yield of 3.51%.
MFC-PR-J's Dividend Yield is slightly below the industry average, which is at 4.35.
MFC-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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%
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP
TSX:MFC-PR-J (1/2/2026, 7:00:00 PM)
25.34
-0.14 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.33%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.70B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.26 (7.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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)-3.07%
PT rev (3m)-6.77%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 5.56 | ||
| P/S | 1.1 | ||
| P/FCF | 1.39 | ||
| P/OCF | 1.39 | ||
| P/B | 0.83 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.08 |
EPS(TTM)4.13
EY16.3%
EPS(NY)4.56
Fwd EY17.98%
FCF(TTM)18.18
FCFY71.73%
OCF(TTM)18.18
OCFY71.73%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.75
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
WACC8.32%
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 5Y12.43%
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 6.14 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%.