MFC-PR-Q Fundamental Analysis - MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP

Fundamental Rating

Overall MFC-PR-Q gets a fundamental rating of 5 out of 10. We evaluated MFC-PR-Q against 81 industry peers in the Insurance industry. MFC-PR-Q has an average financial health and profitability rating. MFC-PR-Q is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year MFC-PR-Q was profitable.
In the past year MFC-PR-Q had a positive cash flow from operations.
Of the past 5 years MFC-PR-Q 4 years were profitable.
MFC-PR-Q had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

MFC-PR-Q has a Return On Assets (0.53%) which is comparable to the rest of the industry.
The Return On Equity of MFC-PR-Q (10.48%) is worse than 74.07% of its industry peers.
MFC-PR-Q has a better Return On Invested Capital (0.75%) than 64.20% 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

With an excellent Profit Margin value of 13.87%, MFC-PR-Q belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
MFC-PR-Q's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 22.75%, MFC-PR-Q belongs to the best of the industry, outperforming 82.72% of the companies in the same industry.
MFC-PR-Q'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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MFC-PR-Q is destroying value.
The number of shares outstanding for MFC-PR-Q has been reduced compared to 1 year ago.
MFC-PR-Q has less shares outstanding than it did 5 years ago.
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.
The Debt to FCF ratio of MFC-PR-Q (0.44) is better than 86.42% 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.
With an excellent Debt to Equity ratio value of 0.26, MFC-PR-Q belongs to the best of the industry, outperforming 80.25% 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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.55% over the past year.
MFC-PR-Q shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.49% yearly.
The Revenue has been growing slightly by 7.70% in the past year.
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)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 Y8.22%

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 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.

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4. Valuation

4.1 Price/Earnings Ratio

MFC-PR-Q is valuated cheaply with a Price/Earnings ratio of 6.16.
The rest of the industry has a similar Price/Earnings ratio as MFC-PR-Q.
Compared to an average S&P500 Price/Earnings ratio of 27.47, MFC-PR-Q is valued rather cheaply.
The Price/Forward Earnings ratio is 5.59, which indicates a rather cheap valuation of MFC-PR-Q.
MFC-PR-Q's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MFC-PR-Q to the average of the S&P500 Index (24.26), we can say MFC-PR-Q is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.16
Fwd PE	5.59

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, MFC-PR-Q is valued a bit cheaper than 75.31% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MFC-PR-Q is valued a bit cheaper than 76.54% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.4
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)0.75

PEG (5Y)1.12

EPS Next 2Y8.36%

EPS Next 3Y8.8%

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5. Dividend

5.1 Amount

MFC-PR-Q has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
MFC-PR-Q's Dividend Yield is comparable with the industry average which is at 4.03.
Compared to an average S&P500 Dividend Yield of 1.87, 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

MFC-PR-Q pays out 60.48% of its income as dividend. 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 2Y8.36%

EPS Next 3Y8.8%

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MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP

TSX:MFC-PR-Q (1/16/2026, 7:00:00 PM)

25.45

-0.18 (-0.7%)

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 Cap42.88B

Revenue(TTM)38.88B

Net Income(TTM)5.39B

Analysts74.74

Price Target27.47 (7.94%)

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%

EPS NQ rev (3m)4.05%

EPS NY rev (1m)0%

EPS NY rev (3m)3.83%

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	6.16
Fwd PE	5.59
P/S	1.1
P/FCF	1.4
P/OCF	1.4
P/B	0.83
P/tB	1.06
EV/EBITDA	3.1

EPS(TTM)4.13

EY16.23%

EPS(NY)4.56

Fwd EY17.9%

FCF(TTM)18.18

FCFY71.42%

OCF(TTM)18.18

OCFY71.42%

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 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 5 / 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 8.22% in the next year.

MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

What is the valuation status of MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP (MFC-PR-Q.CA) stock?

Can you provide the profitability details for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?

Can you provide the financial health for MFC-PR-Q stock?

What is the earnings growth outlook for MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP?