MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-J - CA56501R7673
25.38 CAD
+0.05 (+0.2%)
Overall MFC-PR-J gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-J against 82 industry peers in the Insurance industry. MFC-PR-J has an average financial health and profitability rating. MFC-PR-J has a decent growth rate and is not valued too expensively. Finally MFC-PR-J also has an excellent dividend rating. This makes MFC-PR-J very considerable for dividend investing!
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.
MFC-PR-J had positive earnings in 4 of the past 5 years.
MFC-PR-J had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MFC-PR-J has a Return On Assets (0.53%) which is in line with its industry peers.
MFC-PR-J has a worse Return On Equity (10.48%) than 73.17% 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 63.41% 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 86.59% of its industry peers.
MFC-PR-J's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 22.75%, MFC-PR-J belongs to the top of the industry, outperforming 84.15% of the companies in the same industry.
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
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.
MFC-PR-J has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MFC-PR-J has been reduced compared to 5 years ago.
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.
MFC-PR-J has a better Debt to FCF ratio (0.44) than 87.80% 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 amongst the best of the industry. MFC-PR-J outperforms 81.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.55% over the past year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
MFC-PR-J is valuated cheaply with a Price/Earnings ratio of 6.15.
62.20% 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 26.46. MFC-PR-J is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.57, which indicates a rather cheap valuation of MFC-PR-J.
MFC-PR-J's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MFC-PR-J to the average of the S&P500 Index (36.10), we can say MFC-PR-J is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.15 | ||
| Fwd PE | 5.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-J is valued a bit cheaper than the industry average as 74.39% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFC-PR-J is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.4 | ||
| EV/EBITDA | 3.06 |
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)0.75
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 6.08%, which is a nice return.
Compared to an average industry Dividend Yield of 4.30, MFC-PR-J pays a better dividend. On top of this MFC-PR-J pays more dividend than 91.46% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, MFC-PR-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
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 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
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 2Y8.36%
EPS Next 3Y8.8%
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP
TSX:MFC-PR-J (12/5/2025, 7:00:00 PM)
25.38
+0.05 (+0.2%)
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 Cap42.77B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.62 (8.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.08% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years2
Div Non Decr Years4
Ex-Date
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)-1.55%
PT rev (3m)-5.54%
EPS NQ rev (1m)3.65%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)3.8%
EPS NY rev (3m)3.77%
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 | 6.15 | ||
| Fwd PE | 5.57 | ||
| 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)4.13
EY16.27%
EPS(NY)4.56
Fwd EY17.95%
FCF(TTM)18.18
FCFY71.62%
OCF(TTM)18.18
OCFY71.62%
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
WACC8.29%
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.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA). This can be considered as Fairly Valued.
How profitable is MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 6.15 and the Price/Book (PB) ratio is 0.83.
How sustainable is the dividend of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) stock?
The dividend rating of MANULIFE FINANCIAL CORP - MFCCN 6.159 PERP (MFC-PR-J.CA) is 7 / 10 and the dividend payout ratio is 60.48%.