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

Canada • Toronto Stock Exchange • TSX:MFC-PR-Q • CA56501R6196

25.33 CAD
-0.12 (-0.47%)
Last: Feb 6, 2026, 07:00 PM
Fundamental Rating

5

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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

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.
  • Of the past 5 years MFC-PR-Q 4 years were profitable.
  • In the past 5 years MFC-PR-Q always reported a positive cash flow from operatings.
MFC-PR-Q.CA Yearly Net Income VS EBIT VS OCF VS FCFMFC-PR-Q.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

  • MFC-PR-Q has a Return On Assets (0.53%) which is in line with its industry peers.
  • 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 72.50% of its industry peers.
  • MFC-PR-Q has a Return On Invested Capital of 0.75%. This is in the better half of the industry: MFC-PR-Q outperforms 66.25% of its industry peers.
Industry RankSector 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
MFC-PR-Q.CA Yearly ROA, ROE, ROICMFC-PR-Q.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • MFC-PR-Q has a Profit Margin of 13.87%. This is amongst the best in the industry. MFC-PR-Q outperforms 87.50% of its industry peers.
  • In the last couple of years the Profit Margin of MFC-PR-Q has grown nicely.
  • MFC-PR-Q has a Operating Margin of 22.75%. This is amongst the best in the industry. MFC-PR-Q outperforms 85.00% of its industry peers.
  • In the last couple of years the Operating Margin of MFC-PR-Q has grown nicely.
Industry RankSector 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
MFC-PR-Q.CA Yearly Profit, Operating, Gross MarginsMFC-PR-Q.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
MFC-PR-Q.CA Yearly Shares OutstandingMFC-PR-Q.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
MFC-PR-Q.CA Yearly Total Debt VS Total AssetsMFC-PR-Q.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

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 has a better Debt to FCF ratio (0.44) than 88.75% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.26, MFC-PR-Q belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.09
WACC8.48%
MFC-PR-Q.CA Yearly LT Debt VS Equity VS FCFMFC-PR-Q.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFC-PR-Q.CA Yearly Current Assets VS Current LiabilitesMFC-PR-Q.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • MFC-PR-Q shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.55%, which is quite good.
  • 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 a small growth in Revenue. In the last year, the Revenue has grown by 7.70%.
  • The Revenue for MFC-PR-Q 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

  • MFC-PR-Q is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
  • 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

  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MFC-PR-Q.CA Yearly Revenue VS EstimatesMFC-PR-Q.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MFC-PR-Q.CA Yearly EPS VS EstimatesMFC-PR-Q.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.13 indicates a rather cheap valuation of MFC-PR-Q.
  • MFC-PR-Q's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.92. MFC-PR-Q is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 5.55, the valuation of MFC-PR-Q can be described as very cheap.
  • The rest of the industry has a similar Price/Forward Earnings ratio as MFC-PR-Q.
  • The average S&P500 Price/Forward Earnings ratio is at 27.78. MFC-PR-Q is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.13
Fwd PE 5.55
MFC-PR-Q.CA Price Earnings VS Forward Price EarningsMFC-PR-Q.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 77.50% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, MFC-PR-Q is valued a bit cheaper than 78.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.39
EV/EBITDA 3.07
MFC-PR-Q.CA Per share dataMFC-PR-Q.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 2Y8.45%
EPS Next 3Y8.81%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • MFC-PR-Q has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
  • MFC-PR-Q's Dividend Yield is slightly below the industry average, which is at 3.50.
  • Compared to an average S&P500 Dividend Yield of 1.83, MFC-PR-Q pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.39%

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.
  • As MFC-PR-Q did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.17%
Div Incr Years2
Div Non Decr Years6
MFC-PR-Q.CA Yearly Dividends per shareMFC-PR-Q.CA Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • 60.48% of the earnings are spent on dividend by MFC-PR-Q. This is not a sustainable payout ratio.
  • The dividend of MFC-PR-Q is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.48%
EPS Next 2Y8.45%
EPS Next 3Y8.81%
MFC-PR-Q.CA Yearly Income VS Free CF VS DividendMFC-PR-Q.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B
MFC-PR-Q.CA Dividend Payout.MFC-PR-Q.CA Dividend Payout, showing the Payout Ratio.MFC-PR-Q.CA Dividend Payout.PayoutRetained Earnings

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MANULIFE FINANCIAL CORP - MFCCN 5.942 PERP

TSX:MFC-PR-Q (2/6/2026, 7:00:00 PM)

25.33

-0.12 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners56.4%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap42.68B
Revenue(TTM)38.88B
Net Income(TTM)5.39B
Analysts74.74
Price Target27.47 (8.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
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)0%
PT rev (3m)-3.29%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)4.13%
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 RankSector Rank
PE 6.13
Fwd PE 5.55
P/S 1.1
P/FCF 1.39
P/OCF 1.39
P/B 0.83
P/tB 1.05
EV/EBITDA 3.07
EPS(TTM)4.13
EY16.3%
EPS(NY)4.56
Fwd EY18.02%
FCF(TTM)18.18
FCFY71.76%
OCF(TTM)18.18
OCFY71.76%
SpS23.08
BVpS30.53
TBVpS24.01
PEG (NY)0.75
PEG (5Y)1.12
Graham Number53.26
Profitability
Industry RankSector 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 RankSector 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 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 8.17% in the next year.