(MFC) Manulife Financial - Ratings and Ratios
Insurance, Annuity, Investment, Banking, Reinsurance
MFC EPS (Earnings per Share)
MFC Revenue
Description: MFC Manulife Financial
Manulife Financial Corp (NYSE:MFC) is a diversified financial services company operating globally, with a presence in the US, Canada, Asia, and other international markets. The company is structured into three main business segments: Wealth and Asset Management, Insurance and Annuity Products, and Corporate and Other. This diversified business model allows Manulife to capitalize on various revenue streams, including investment advice, insurance products, and banking services.
From a financial perspective, Manulife has demonstrated stability and growth, with a market capitalization of approximately $54.5 billion USD. The companys return on equity (RoE) stands at 10.40%, indicating a reasonable level of profitability. Additionally, the forward price-to-earnings (P/E) ratio is 10.65, suggesting that the stock may be undervalued relative to its expected earnings growth. Other key performance indicators (KPIs) worth monitoring include the companys asset under management (AUM) growth, insurance premium revenue growth, and the ratio of operating expenses to revenue.
Manulifes business operations are characterized by a broad range of financial products and services, including investment solutions, life insurance, long-term care insurance, and annuity products. The companys distribution network is diverse, comprising agents, brokers, banks, and financial planners. Manulife also has a significant presence in the institutional market, providing investment management services to pension plans and other institutional clients. Key metrics to evaluate Manulifes performance in these areas include the growth rate of AUM, the mix of revenue by product and geography, and the companys ability to maintain a competitive edge in terms of product offerings and pricing.
To further assess Manulifes investment potential, it is essential to examine the companys capital management practices, including its dividend policy, share repurchase activity, and debt-to-equity ratio. Manulifes ability to generate cash flows from its various business segments and its capacity to manage risk effectively are also critical factors to consider. By analyzing these KPIs and other relevant metrics, investors can gain a more comprehensive understanding of Manulifes financial health and growth prospects.
MFC Stock Overview
| Market Cap in USD | 52,043m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1999-09-23 |
MFC Stock Ratings
| Growth Rating | 75.6% |
| Fundamental | 66.8% |
| Dividend Rating | 70.4% |
| Return 12m vs S&P 500 | -0.08% |
| Analyst Rating | 3.77 of 5 |
MFC Dividends
| Dividend Yield 12m | 4.05% |
| Yield on Cost 5y | 10.64% |
| Annual Growth 5y | 0.93% |
| Payout Consistency | 95.1% |
| Payout Ratio | 33.3% |
MFC Growth Ratios
| Growth Correlation 3m | -65.6% |
| Growth Correlation 12m | 51.9% |
| Growth Correlation 5y | 84% |
| CAGR 5y | 21.76% |
| CAGR/Max DD 5y | 0.81 |
| Sharpe Ratio 12m | 1.06 |
| Alpha | 1.39 |
| Beta | 0.910 |
| Volatility | 22.97% |
| Current Volume | 1235.6k |
| Average Volume 20d | 2061.7k |
| Stop Loss | 29.8 (-3.1%) |
| Signal | 0.38 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6.05b TTM) > 0 and > 6% of Revenue (6% = 2.41b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.03 (>3.0%) and CFO 28.61b > Net Income 6.05b (YES >=105%, WARN >=100%) |
| Net Debt (-11.63b) to EBITDA (4.91b) ratio: -2.37 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (1.70b) change vs 12m ago -5.34% (target <= -2.0% for YES) |
| Gross Margin 69.74% (prev 93.18%; Δ -23.45pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.25% (prev 4.72%; Δ -0.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.82 (EBITDA TTM 4.91b / Interest Expense TTM 1.57b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 66.81
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 46.73% = 5.0 |
| 3. FCF Margin 71.18% = 7.50 |
| 4. Debt/Equity 0.27 = 2.47 |
| 5. Debt/Ebitda 2.70 = -1.31 |
| 6. ROIC - WACC 0.32% = 0.40 |
| 7. RoE 11.91% = 0.99 |
| 8. Rev. Trend -18.41% = -0.92 |
| 9. Rev. CAGR 30.92% = 2.50 |
| 10. EPS Trend -5.49% = -0.14 |
| 11. EPS CAGR 18.20% = 1.82 |
What is the price of MFC shares?
Over the past week, the price has changed by +0.03%, over one month by -1.29%, over three months by -2.10% and over the past year by +16.88%.
Is Manulife Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MFC is around 32.67 USD . This means that MFC is currently overvalued and has a potential downside of 6.24%.
Is MFC a buy, sell or hold?
- Strong Buy: 3
- Buy: 5
- Hold: 4
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the MFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.2 | -8.3% |
| Analysts Target Price | 27.8 | -9.5% |
| ValueRay Target Price | 36.4 | 18.2% |
Last update: 2025-08-20 02:48
MFC Fundamental Data Overview
CCE Cash And Equivalents = 23.77b CAD (Cash only, last quarter)
P/E Trailing = 13.4978
P/E Forward = 10.7759
P/S = 1.6652
P/B = 1.6656
P/EG = 1.0571
Beta = 1.084
Revenue TTM = 40.19b CAD
EBIT TTM = 5.98b CAD
EBITDA TTM = 4.91b CAD
Long Term Debt = 13.28b CAD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 13.28b CAD (Calculated: Short Term 0.0 + Long Term 13.28b)
Net Debt = -11.63b CAD (from netDebt column, last fiscal year)
Enterprise Value = 61.22b CAD (71.72b + Debt 13.28b - CCE 23.77b)
Interest Coverage Ratio = 3.82 (Ebit TTM 5.98b / Interest Expense TTM 1.57b)
FCF Yield = 46.73% (FCF TTM 28.61b / Enterprise Value 61.22b)
FCF Margin = 71.18% (FCF TTM 28.61b / Revenue TTM 40.19b)
Net Margin = 15.06% (Net Income TTM 6.05b / Revenue TTM 40.19b)
Gross Margin = 69.74% ((Revenue TTM 40.19b - Cost of Revenue TTM 12.16b) / Revenue TTM)
Tobins Q-Ratio = 13.49 (Enterprise Value 61.22b / Book Value Of Equity 4.54b)
Interest Expense / Debt = 2.70% (Interest Expense 358.0m / Debt 13.28b)
Taxrate = 17.09% (from yearly Income Tax Expense: 1.21b / 7.09b)
NOPAT = 4.96b (EBIT 5.98b * (1 - 17.09%))
Current Ratio = unknown (Total Current Assets 25.79b / Total Current Liabilities none)
Debt / Equity = 0.27 (Debt 13.28b / last Quarter total Stockholder Equity 49.85b)
Debt / EBITDA = 2.70 (Net Debt -11.63b / EBITDA 4.91b)
Debt / FCF = 0.46 (Debt 13.28b / FCF TTM 28.61b)
Total Stockholder Equity = 50.81b (last 4 quarters mean)
RoA = 0.62% (Net Income 6.05b, Total Assets 977.47b )
RoE = 11.91% (Net Income TTM 6.05b / Total Stockholder Equity 50.81b)
RoCE = 9.34% (Ebit 5.98b / (Equity 50.81b + L.T.Debt 13.28b))
RoIC = 8.57% (NOPAT 4.96b / Invested Capital 57.86b)
WACC = 8.26% (E(71.72b)/V(85.00b) * Re(9.37%)) + (D(13.28b)/V(85.00b) * Rd(2.70%) * (1-Tc(0.17)))
Shares Correlation 5-Years: -100.0 | Cagr: -3.28%
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.41% ; FCFE base≈26.57b ; Y1≈31.13b ; Y5≈47.15b
Fair Price DCF = 375.3 (DCF Value 637.51b / Shares Outstanding 1.70b; 5y FCF grow 18.26% → 3.0% )
Revenue Correlation: -18.41 | Revenue CAGR: 30.92%
Rev Growth-of-Growth: -15.57
EPS Correlation: -5.49 | EPS CAGR: 18.20%
EPS Growth-of-Growth: 20.69
Additional Sources for MFC Stock
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