MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis
Canada - TSX:MFC-PR-Q - CA56501R6196
25.3 CAD
-0.02 (-0.08%)
MFC-PR-Q gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
MFC-PR-Q had positive earnings in the past year.
In the past year MFC-PR-Q had a positive cash flow from operations.
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
MFC-PR-Q's Return On Assets of 0.56% is in line compared to the rest of the industry. MFC-PR-Q outperforms 53.16% of its industry peers.
MFC-PR-Q's Return On Equity of 10.90% is on the low side compared to the rest of the industry. MFC-PR-Q is outperformed by 73.42% of its industry peers.
MFC-PR-Q has a Return On Invested Capital of 0.80%. This is in the better half of the industry: MFC-PR-Q outperforms 62.03% of its industry peers.
| 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
MFC-PR-Q has a better Profit Margin (14.07%) than 84.81% of its industry peers.
In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
The Operating Margin of MFC-PR-Q (23.25%) is better than 82.28% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MFC-PR-Q 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
The debt/assets ratio for MFC-PR-Q has been reduced compared to a year ago.
2.2 Solvency
MFC-PR-Q has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
MFC-PR-Q has a better Debt to FCF ratio (0.46) than 86.08% 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 has a better Debt to Equity ratio (0.27) than 68.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC8.36%
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 been growing slightly by 7.59% over the past year.
The Earnings Per Share has been growing slightly by 5.49% on average over the past years.
MFC-PR-Q shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.59%.
Measured over the past years, MFC-PR-Q shows a very negative growth in Revenue. The Revenue has been decreasing by -13.62% on average per year.
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.
Based on estimates for the next years, MFC-PR-Q will show a quite strong growth in Revenue. The Revenue will grow by 11.24% on average per year.
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
A Price/Earnings ratio of 6.37 indicates a rather cheap valuation of MFC-PR-Q.
Based on the Price/Earnings ratio, MFC-PR-Q is valued a bit more expensive than the industry average as 63.29% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.69, MFC-PR-Q is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.73, the valuation of MFC-PR-Q can be described as very cheap.
MFC-PR-Q's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, MFC-PR-Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.37 | ||
| Fwd PE | 5.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MFC-PR-Q is valued a bit cheaper than the industry average as 73.42% of the companies are valued more expensively.
MFC-PR-Q's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.5 | ||
| EV/EBITDA | 3.25 |
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)1.51
PEG (5Y)1.16
EPS Next 2Y6.64%
EPS Next 3Y6.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.96%, MFC-PR-Q has a reasonable but not impressive dividend return.
MFC-PR-Q's Dividend Yield is comparable with the industry average which is at 3.80.
Compared to an average S&P500 Dividend Yield of 2.34, MFC-PR-Q pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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.
The dividend of MFC-PR-Q is growing, but the earnings are growing slower. 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 (10/20/2025, 7:00:00 PM)
25.3
-0.02 (-0.08%)
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 Cap42.87B
Analysts74.44
Price Target28.4 (12.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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)2.65%
PT rev (3m)-3.07%
EPS NQ rev (1m)-0.91%
EPS NQ rev (3m)-1.26%
EPS NY rev (1m)-0.05%
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 | 6.37 | ||
| Fwd PE | 5.73 | ||
| P/S | 1.11 | ||
| P/FCF | 1.5 | ||
| P/OCF | 1.5 | ||
| P/B | 0.86 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | 3.25 |
EPS(TTM)3.97
EY15.69%
EPS(NY)4.41
Fwd EY17.44%
FCF(TTM)16.88
FCFY66.73%
OCF(TTM)16.88
OCFY66.73%
SpS22.8
BVpS29.42
TBVpS23.03
PEG (NY)1.51
PEG (5Y)1.16
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
ROICexcg growth 3Y-2.15%
ROICexcg 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
WACC8.36%
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%