(MFC) Manulife Financial - Overview
Sector: Financial ServicesIndustry: Insurance - Life | Exchange NYSE (USA) | Currency USD | Market Cap: 56.673m | Total Return 14.5% in 12m
Stock: Insurance, Investments, Annuities, Banking
Total Rating 55
Risk 72
Buy Signal 0.20
| Risk 5d forecast | |
|---|---|
| Volatility | 21.4% |
| Relative Tail Risk | -4.99% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.50 |
| Alpha | -0.28 |
| Character TTM | |
|---|---|
| Beta | 0.937 |
| Beta Downside | 1.140 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.75% |
| CAGR/Max DD | 1.82 |
EPS (Earnings per Share)
Revenue
Description: MFC Manulife Financial March 05, 2026
Manulife Financial Corporation offers financial products and services across the US, Canada, and Asia. Its operations are divided into Wealth and Asset Management, Insurance and Annuity Products, and Corporate and Other segments.
The Wealth and Asset Management segment provides investment advice and solutions to various client types, including retirement, retail, and institutional. This segment is common in the financial services sector, where firms manage capital for clients to generate returns.
The Insurance and Annuity Products segment offers life insurance, long-term care insurance, and annuity products. The insurance industry relies on pooling risk and investing premiums for future payouts.
The Corporate and Other segment includes property and casualty reinsurance and run-off reinsurance operations. Reinsurance is a mechanism for insurance companies to transfer some of their risk to other insurers.
MFC also manages timberland and agricultural portfolios and engages in various financial businesses like banking and mutual fund management. To delve deeper into MFCs financial health and market position, consider exploring its detailed financials on ValueRay.
Headlines to watch out for
- Interest rate fluctuations impact investment income
- Global economic growth affects insurance and wealth management demand
- Regulatory changes influence capital requirements and product offerings
- Equity market performance drives asset management fees
- Catastrophic events increase insurance claims payouts
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 5.78b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.43 > 1.0 |
| NWC/Revenue: 99.79% < 20% (prev 35.60%; Δ 64.20% < -1%) |
| CFO/TA 0.03 > 3% & CFO 32.10b > Net Income 5.78b |
| Net Debt (-236.8m) to EBITDA (6.79b): -0.03 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.71b) vs 12m ago -4.04% < -2% |
| Gross Margin: 21.59% > 18% (prev 0.50%; Δ 2.11k% > 0.5%) |
| Asset Turnover: 7.60% > 50% (prev 7.40%; Δ 0.19% > 0%) |
| Interest Coverage Ratio: 5.64 > 6 (EBITDA TTM 6.79b / Interest Expense TTM 1.53b) |
Altman Z'' 0.61
| A: 0.07 (Total Current Assets 75.93b - Total Current Liabilities 0.0) / Total Assets 1024.60b |
| B: 0.00 (Retained Earnings 5.02b / Total Assets 1024.60b) |
| C: 0.01 (EBIT TTM 8.62b / Avg Total Assets 1001.71b) |
| D: 0.05 (Book Value of Equity 43.23b / Total Liabilities 925.86b) |
| Altman-Z'' Score: 0.61 = B |
Beneish M
| DSRI: none (Receivables 61.03b/none, Revenue 76.08b/72.44b) |
| GMI: 2.34 (GM 21.59% / 50.42%) |
| AQI: 0.95 (AQ_t 0.92 / AQ_t-1 0.97) |
| SGI: 1.05 (Revenue 76.08b / 72.44b) |
| TATA: -0.03 (NI 5.78b - CFO 32.10b) / TA 1024.60b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of MFC shares?
As of March 26, 2026, the stock is trading at USD 34.59 with a total of 1,614,200 shares traded.
Over the past week, the price has changed by +0.85%, over one month by -2.29%, over three months by -4.50% and over the past year by +14.54%.
Over the past week, the price has changed by +0.85%, over one month by -2.29%, over three months by -4.50% and over the past year by +14.54%.
Is MFC a buy, sell or hold?
Manulife Financial has received a consensus analysts rating of 3.77.
Therefor, it is recommend to hold MFC.
- StrongBuy: 3
- Buy: 5
- Hold: 4
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the MFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34.2 | -1% |
| Analysts Target Price | 34.2 | -1% |
MFC Fundamental Data Overview March 22, 2026
Market Cap CAD = 77.89b (56.67b USD * 1.3743 USD.CAD)
P/E Trailing = 15.1614
P/E Forward = 10.2249
P/S = 1.8296
P/B = 1.7568
P/EG = 0.7756
Revenue TTM = 76.08b CAD
EBIT TTM = 8.62b CAD
EBITDA TTM = 6.79b CAD
Long Term Debt = 12.93b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.74b CAD (from shortTermDebt, last quarter)
Debt = 14.66b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = -236.8m CAD (from netDebt column, last quarter)
Enterprise Value = 65.85b CAD (77.89b + Debt 14.66b - CCE 26.70b)
Interest Coverage Ratio = 5.64 (Ebit TTM 8.62b / Interest Expense TTM 1.53b)
EV/FCF = 2.05x (Enterprise Value 65.85b / FCF TTM 32.10b)
FCF Yield = 48.75% (FCF TTM 32.10b / Enterprise Value 65.85b)
FCF Margin = 42.19% (FCF TTM 32.10b / Revenue TTM 76.08b)
Net Margin = 7.60% (Net Income TTM 5.78b / Revenue TTM 76.08b)
Gross Margin = 21.59% ((Revenue TTM 76.08b - Cost of Revenue TTM 59.65b) / Revenue TTM)
Gross Margin QoQ = 76.01% (prev 22.24%)
Tobins Q-Ratio = 0.06 (Enterprise Value 65.85b / Total Assets 1024.60b)
Interest Expense / Debt = 2.76% (Interest Expense 405.0m / Debt 14.66b)
Taxrate = 16.27% (310.0m / 1.91b)
NOPAT = 7.22b (EBIT 8.62b * (1 - 16.27%))
Current Ratio = unknown (Total Current Assets 75.93b / Total Current Liabilities 0.0)
Debt / Equity = 0.29 (Debt 14.66b / totalStockholderEquity, last quarter 50.96b)
Debt / EBITDA = -0.03 (Net Debt -236.8m / EBITDA 6.79b)
Debt / FCF = -0.01 (Net Debt -236.8m / FCF TTM 32.10b)
Total Stockholder Equity = 51.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 5.78b / Total Assets 1024.60b)
RoE = 11.34% (Net Income TTM 5.78b / Total Stockholder Equity 51.01b)
RoCE = 13.49% (EBIT 8.62b / Capital Employed (Equity 51.01b + L.T.Debt 12.93b))
RoIC = 12.40% (NOPAT 7.22b / Invested Capital 58.24b)
WACC = 8.18% (E(77.89b)/V(92.55b) * Re(9.28%) + D(14.66b)/V(92.55b) * Rd(2.76%) * (1-Tc(0.16)))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.68%
[DCF] Terminal Value 80.69% ; FCFF base≈29.86b ; Y1≈35.96b ; Y5≈58.08b
[DCF] Fair Price = 577.0 (EV 966.90b - Net Debt -236.8m = Equity 967.13b / Shares 1.68b; r=8.18% [WACC]; 5y FCF grow 21.84% → 3.0% )
EPS Correlation: 8.88 | EPS CAGR: 10.51% | SUE: 3.54 | # QB: 2
Revenue Correlation: 48.42 | Revenue CAGR: 21.68% | SUE: 0.11 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.12 | Chg7d=+0.012 | Chg30d=+0.016 | Revisions Net=+4 | Analysts=10
EPS current Year (2026-12-31): EPS=4.53 | Chg7d=-0.034 | Chg30d=-0.022 | Revisions Net=+0 | Growth EPS=+7.6% | Growth Revenue=-5.6%
EPS next Year (2027-12-31): EPS=4.95 | Chg7d=-0.050 | Chg30d=-0.055 | Revisions Net=+4 | Growth EPS=+9.2% | Growth Revenue=-8.6%
[Analyst] Revisions Ratio: +0.67 (5 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.7% (Discount Rate 9.3% - Earnings Yield 6.6%)
[Growth] Growth Spread = -2.7% (Analyst 0.0% - Implied 2.7%)
P/E Trailing = 15.1614
P/E Forward = 10.2249
P/S = 1.8296
P/B = 1.7568
P/EG = 0.7756
Revenue TTM = 76.08b CAD
EBIT TTM = 8.62b CAD
EBITDA TTM = 6.79b CAD
Long Term Debt = 12.93b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.74b CAD (from shortTermDebt, last quarter)
Debt = 14.66b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = -236.8m CAD (from netDebt column, last quarter)
Enterprise Value = 65.85b CAD (77.89b + Debt 14.66b - CCE 26.70b)
Interest Coverage Ratio = 5.64 (Ebit TTM 8.62b / Interest Expense TTM 1.53b)
EV/FCF = 2.05x (Enterprise Value 65.85b / FCF TTM 32.10b)
FCF Yield = 48.75% (FCF TTM 32.10b / Enterprise Value 65.85b)
FCF Margin = 42.19% (FCF TTM 32.10b / Revenue TTM 76.08b)
Net Margin = 7.60% (Net Income TTM 5.78b / Revenue TTM 76.08b)
Gross Margin = 21.59% ((Revenue TTM 76.08b - Cost of Revenue TTM 59.65b) / Revenue TTM)
Gross Margin QoQ = 76.01% (prev 22.24%)
Tobins Q-Ratio = 0.06 (Enterprise Value 65.85b / Total Assets 1024.60b)
Interest Expense / Debt = 2.76% (Interest Expense 405.0m / Debt 14.66b)
Taxrate = 16.27% (310.0m / 1.91b)
NOPAT = 7.22b (EBIT 8.62b * (1 - 16.27%))
Current Ratio = unknown (Total Current Assets 75.93b / Total Current Liabilities 0.0)
Debt / Equity = 0.29 (Debt 14.66b / totalStockholderEquity, last quarter 50.96b)
Debt / EBITDA = -0.03 (Net Debt -236.8m / EBITDA 6.79b)
Debt / FCF = -0.01 (Net Debt -236.8m / FCF TTM 32.10b)
Total Stockholder Equity = 51.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 5.78b / Total Assets 1024.60b)
RoE = 11.34% (Net Income TTM 5.78b / Total Stockholder Equity 51.01b)
RoCE = 13.49% (EBIT 8.62b / Capital Employed (Equity 51.01b + L.T.Debt 12.93b))
RoIC = 12.40% (NOPAT 7.22b / Invested Capital 58.24b)
WACC = 8.18% (E(77.89b)/V(92.55b) * Re(9.28%) + D(14.66b)/V(92.55b) * Rd(2.76%) * (1-Tc(0.16)))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.68%
[DCF] Terminal Value 80.69% ; FCFF base≈29.86b ; Y1≈35.96b ; Y5≈58.08b
[DCF] Fair Price = 577.0 (EV 966.90b - Net Debt -236.8m = Equity 967.13b / Shares 1.68b; r=8.18% [WACC]; 5y FCF grow 21.84% → 3.0% )
EPS Correlation: 8.88 | EPS CAGR: 10.51% | SUE: 3.54 | # QB: 2
Revenue Correlation: 48.42 | Revenue CAGR: 21.68% | SUE: 0.11 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.12 | Chg7d=+0.012 | Chg30d=+0.016 | Revisions Net=+4 | Analysts=10
EPS current Year (2026-12-31): EPS=4.53 | Chg7d=-0.034 | Chg30d=-0.022 | Revisions Net=+0 | Growth EPS=+7.6% | Growth Revenue=-5.6%
EPS next Year (2027-12-31): EPS=4.95 | Chg7d=-0.050 | Chg30d=-0.055 | Revisions Net=+4 | Growth EPS=+9.2% | Growth Revenue=-8.6%
[Analyst] Revisions Ratio: +0.67 (5 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.7% (Discount Rate 9.3% - Earnings Yield 6.6%)
[Growth] Growth Spread = -2.7% (Analyst 0.0% - Implied 2.7%)