MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-Q - CA56501R6196
25.65 CAD
+0.01 (+0.04%)
Taking everything into account, MFC-PR-Q scores 5 out of 10 in our fundamental rating. MFC-PR-Q was compared to 81 industry peers in the Insurance industry. Both the profitability and the financial health of MFC-PR-Q get a neutral evaluation. Nothing too spectacular is happening here. MFC-PR-Q is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
MFC-PR-Q had positive earnings in the past year.
MFC-PR-Q had a positive operating cash flow in the past year.
MFC-PR-Q had positive earnings in 4 of the past 5 years.
MFC-PR-Q had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MFC-PR-Q (0.56%) is comparable to the rest of the industry.
MFC-PR-Q has a worse Return On Equity (10.90%) than 74.07% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.80%, MFC-PR-Q is in the better half of the industry, outperforming 60.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROIC | 0.8% |
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
With an excellent Profit Margin value of 14.07%, MFC-PR-Q belongs to the best of the industry, outperforming 83.95% of the companies in the same industry.
In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
MFC-PR-Q has a better Operating Margin (23.25%) than 81.48% of its industry peers.
MFC-PR-Q's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| 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
MFC-PR-Q has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MFC-PR-Q has been reduced compared to 1 year ago.
The number of shares outstanding for MFC-PR-Q has been reduced compared to 5 years ago.
Compared to 1 year ago, MFC-PR-Q has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MFC-PR-Q is 0.46, which is an excellent value as it means it would take MFC-PR-Q, only 0.46 years of fcf income to pay off all of its debts.
MFC-PR-Q has a Debt to FCF ratio of 0.46. This is amongst the best in the industry. MFC-PR-Q outperforms 85.19% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that MFC-PR-Q is not too dependend on debt financing.
MFC-PR-Q's Debt to Equity ratio of 0.27 is fine compared to the rest of the industry. MFC-PR-Q outperforms 67.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MFC-PR-Q shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
Measured over the past 5 years, MFC-PR-Q shows a small growth in Earnings Per Share. The EPS has been growing by 5.49% on average per year.
MFC-PR-Q shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.59%.
MFC-PR-Q shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.62% yearly.
EPS 1Y (TTM)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
3.2 Future
Based on estimates for the next years, MFC-PR-Q will show a small growth in Earnings Per Share. The EPS will grow by 5.15% on average per year.
MFC-PR-Q is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.24% yearly.
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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.
4. Valuation
4.1 Price/Earnings Ratio
MFC-PR-Q is valuated cheaply with a Price/Earnings ratio of 6.46.
MFC-PR-Q's Price/Earnings ratio is a bit more expensive when compared to the industry. MFC-PR-Q is more expensive than 64.20% of the companies in the same industry.
When comparing the Price/Earnings ratio of MFC-PR-Q to the average of the S&P500 Index (26.13), we can say MFC-PR-Q is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.81, the valuation of MFC-PR-Q can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFC-PR-Q is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.35. MFC-PR-Q is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFC-PR-Q indicates a somewhat cheap valuation: MFC-PR-Q is cheaper than 72.84% of the companies listed in the same industry.
MFC-PR-Q's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.52 | ||
| EV/EBITDA | 3.3 |
4.3 Compensation for Growth
MFC-PR-Q's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.53
PEG (5Y)1.18
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.27%, MFC-PR-Q has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.90, MFC-PR-Q is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, MFC-PR-Q pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
On average, the dividend of MFC-PR-Q grows each year by 20.17%, which is quite nice.
MFC-PR-Q has been paying a dividend for over 5 years, so it has already some track record.
MFC-PR-Q has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)20.17%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
59.31% of the earnings are spent on dividend by MFC-PR-Q. This is a bit on the high side, but may be sustainable.
MFC-PR-Q's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.31%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP
TSX:MFC-PR-Q (11/5/2025, 7:00:00 PM)
25.65
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.61%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap43.46B
Revenue(TTM)38.63B
Net Income(TTM)5.43B
Analysts74.44
Price Target27.89 (8.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP59.31%
Div Incr Years2
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.7%
Min EPS beat(2)-2.89%
Max EPS beat(2)-0.52%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-2.89%
Max EPS beat(4)7.87%
EPS beat(8)6
Avg EPS beat(8)4.05%
EPS beat(12)8
Avg EPS beat(12)3.32%
EPS beat(16)10
Avg EPS beat(16)1.94%
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)0.81%
PT rev (3m)-7.96%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 5.81 | ||
| P/S | 1.13 | ||
| P/FCF | 1.52 | ||
| P/OCF | 1.52 | ||
| P/B | 0.87 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 3.3 |
EPS(TTM)3.97
EY15.48%
EPS(NY)4.41
Fwd EY17.2%
FCF(TTM)16.88
FCFY65.82%
OCF(TTM)16.88
OCFY65.82%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.53
PEG (5Y)1.18
Graham Number51.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.9% | ||
| ROCE | 0.94% | ||
| ROIC | 0.8% | ||
| ROICexc | 0.82% | ||
| ROICexgc | 1.91% | ||
| OM | 23.25% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A | ||
| FCFM | 74.06% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Debt/EBITDA | 1.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.72 | ||
| Cash Conversion | 287.17% | ||
| Profit Quality | 526.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.35%
ROIC/WACC0.1
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)7.59%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%4.4%
EPS Next Y4.23%
EPS Next 2Y6.64%
EPS Next 3Y6.89%
EPS Next 5Y5.15%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y-12.52%
Revenue growth 5Y-13.62%
Sales Q2Q%19.94%
Revenue Next Year8.59%
Revenue Next 2Y8.42%
Revenue Next 3Y7.1%
Revenue Next 5Y11.24%
EBIT growth 1Y18.36%
EBIT growth 3Y-1.3%
EBIT growth 5Y3.07%
EBIT Next Year-69.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.69%
FCF growth 3Y4.59%
FCF growth 5Y5.22%
OCF growth 1Y57.69%
OCF growth 3Y4.59%
OCF growth 5Y5.22%
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP / MFC-PR-Q.CA FAQ
Can you provide the ChartMill fundamental rating for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to MFC-PR-Q.CA.
Can you provide the valuation status for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA). This can be considered as Fairly Valued.
What is the profitability of MFC-PR-Q stock?
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?
The Price/Earnings (PE) ratio for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 6.46 and the Price/Book (PB) ratio is 0.87.
What is the financial health of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 4 / 10.