MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MFC-PR-Q - CA56501R6196
25.61 CAD
+0.06 (+0.23%)
MFC-PR-Q gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. MFC-PR-Q has only an average score on both its financial health and profitability. MFC-PR-Q has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year MFC-PR-Q was profitable.
- 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.
- In the past 5 years MFC-PR-Q always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.53%, MFC-PR-Q perfoms like the industry average, outperforming 51.25% of the companies in the same industry.
- MFC-PR-Q's Return On Equity of 10.48% is on the low side compared to the rest of the industry. MFC-PR-Q is outperformed by 75.00% of its industry peers.
- MFC-PR-Q has a better Return On Invested Capital (0.75%) than 62.50% 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-Q has a better Profit Margin (13.87%) than 83.75% of its industry peers.
- In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
- MFC-PR-Q's Operating Margin of 22.75% is amongst the best of the industry. MFC-PR-Q outperforms 81.25% of its industry peers.
- In the last couple of years the Operating Margin of MFC-PR-Q 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
- MFC-PR-Q has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- MFC-PR-Q has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, MFC-PR-Q has less shares outstanding
- Compared to 1 year ago, MFC-PR-Q has an improved debt to assets ratio.
2.2 Solvency
- MFC-PR-Q 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-Q's Debt to FCF ratio of 0.44 is amongst the best of the industry. MFC-PR-Q outperforms 85.00% of its industry peers.
- MFC-PR-Q has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- MFC-PR-Q has a Debt to Equity ratio of 0.26. This is in the better half of the industry: MFC-PR-Q outperforms 78.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.09
WACC8.48%
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.
- 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)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-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 11.90% yearly.
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
EPS Next 5Y5.15%
Revenue Next Year8.86%
Revenue Next 2Y8.68%
Revenue Next 3Y6.97%
Revenue Next 5Y11.9%
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 6.20.
- 60.00% of the companies in the same industry are cheaper than MFC-PR-Q, based on the Price/Earnings ratio.
- MFC-PR-Q is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 5.61, which indicates a rather cheap valuation of MFC-PR-Q.
- The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-Q.
- MFC-PR-Q's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.2 | ||
| Fwd PE | 5.61 |
4.2 Price Multiples
- MFC-PR-Q's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MFC-PR-Q is cheaper than 73.75% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, MFC-PR-Q is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.41 | ||
| EV/EBITDA | 3.1 |
4.3 Compensation for Growth
- MFC-PR-Q's 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 2Y8.45%
EPS Next 3Y8.81%
5. Dividend
5.1 Amount
- MFC-PR-Q has a Yearly Dividend Yield of 3.37%.
- With a Dividend Yield of 3.37, MFC-PR-Q pays less dividend than the industry average, which is at 4.15. 81.25% of the companies listed in the same industry pay a better dividend than MFC-PR-Q!
- Compared to an average S&P500 Dividend Yield of 1.86, MFC-PR-Q pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
5.2 History
- The dividend of MFC-PR-Q is nicely growing with an annual growth rate of 20.17%!
- 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
- 60.48% of the earnings are spent on dividend by MFC-PR-Q. This is not a sustainable payout ratio.
- MFC-PR-Q's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP
TSX:MFC-PR-Q (1/21/2026, 7:00:00 PM)
25.61
+0.06 (+0.23%)
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 Cap43.15B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.47 (7.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
Yearly Dividend1.79
Dividend Growth(5Y)20.17%
DP60.48%
Div Incr Years2
Div Non Decr Years6
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)-1.96%
PT rev (3m)-3.29%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)4.04%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.78%
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 | 6.2 | ||
| Fwd PE | 5.61 | ||
| P/S | 1.11 | ||
| P/FCF | 1.41 | ||
| P/OCF | 1.41 | ||
| P/B | 0.84 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | 3.1 |
EPS(TTM)4.13
EY16.13%
EPS(NY)4.56
Fwd EY17.82%
FCF(TTM)18.18
FCFY70.97%
OCF(TTM)18.18
OCFY70.97%
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
WACC8.48%
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)9.55%
EPS 3Y6.08%
EPS 5Y5.49%
EPS Q2Q%16%
EPS Next Y8.17%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
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 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.
What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) has a profitability rating of 5 / 10.
Can you provide the financial health for MFC-PR-Q stock?
The financial health rating of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is 4 / 10.
What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?
The Earnings per Share (EPS) of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) is expected to grow by 8.17% in the next year.