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AI Summary - About
MFC 
Manulife Financial Corp (MFC)
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Upturn Advisory Summary
02/18/2025: MFC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.23% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/18/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 52.46B USD | Price to earnings Ratio 15.26 | 1Y Target Price 27.45 |
Price to earnings Ratio 15.26 | 1Y Target Price 27.45 | ||
Volume (30-day avg) 1985555 | Beta 1.06 | 52 Weeks Range 21.91 - 32.97 | Updated Date 02/21/2025 |
52 Weeks Range 21.91 - 32.97 | Updated Date 02/21/2025 | ||
Dividends yield (FY) 4.08% | Basic EPS (TTM) 1.99 |
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-02-19 | When After Market | Estimate 0.946 | Actual 1.03 |
Profitability
Profit Margin 18.78% | Operating Margin (TTM) 96.76% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 11.56% |
Valuation
Trailing PE 15.26 | Forward PE 10.65 | Enterprise Value 48734714913 | Price to Sales(TTM) 1.75 |
Enterprise Value 48734714913 | Price to Sales(TTM) 1.75 | ||
Enterprise Value to Revenue 1.52 | Enterprise Value to EBITDA - | Shares Outstanding 1723170048 | Shares Floating 1720447383 |
Shares Outstanding 1723170048 | Shares Floating 1720447383 | ||
Percent Insiders 0.04 | Percent Institutions 56.53 |
AI Summary
Manulife Financial Corp: A Comprehensive Overview
Company Profile:
History:
- Founded in 1887 as The Manufacturers Life Insurance Company.
- Became Manulife Financial Corp. in 2004.
- Headquartered in Toronto, Canada.
- Operates in over 30 countries and territories worldwide.
Core Business Areas:
- Life and Health Insurance: Provides a range of individual and group life insurance products, critical illness insurance, disability insurance, and health insurance.
- Wealth Management and Retirement Solutions: Offers investment products, retirement plans, segregated funds, and wealth management services.
- Asset Management: Manages assets for individuals, institutions, and corporations.
- Annuities: Offers various annuity products to meet different retirement income needs.
Leadership and Corporate Structure:
- President and CEO: Roy Gori
- Chairman of the Board: Michael Sabia
- Board of Directors consists of 14 members with diverse backgrounds in finance, business, and investment.
Top Products and Market Share:
- Strong market share in Canada and Asia in the life and health insurance segments.
- Growing presence in wealth management and retirement solutions.
- Key products include:
- VitalCare: A critical illness insurance product with customizable coverage options.
- ManulifeMOVE: A comprehensive health and wellness program integrated with life insurance.
- Manulife Guaranteed Interest Account: A guaranteed investment product with a fixed interest rate.
Total Addressable Market:
- The global insurance market is estimated to be worth $7.3 trillion in 2023.
- The global wealth management market is estimated to be worth $114 trillion in 2023.
Financial Performance:
- Revenue: $78.78 billion in 2023 (USD).
- Net Income: $5.65 billion in 2023 (USD).
- Earnings per Share (EPS): $3.28 in 2023 (USD).
- Strong financial position with a solid balance sheet and healthy cash flow.
Dividends and Shareholder Returns:
- Pays a quarterly dividend with a current yield of 4.2% (as of November 20, 2023).
- Strong track record of dividend increases.
- Total shareholder return of 16.5% over the past 5 years (as of November 20, 2023).
Growth Trajectory:
- Historical revenue growth of 5.5% over the past 5 years.
- Projected earnings growth of 7.5% over the next 5 years.
- Growth driven by increasing demand for insurance and wealth management products in Asia and emerging markets.
- Recent product launches in digital health and sustainable investing.
Market Dynamics:
- Positive trends: Increasing demand for insurance and wealth management products, growing middle class in emerging markets, technological advancements.
- Challenges: Regulatory changes, competitive landscape, interest rate fluctuations.
Competitors:
- Life and Health Insurance: Sun Life Financial (SLF), Great-West Lifeco (GWO), MetLife (MET), Prudential Financial (PRU).
- Wealth Management: BlackRock (BLK), Vanguard Group (V), Fidelity Investments, Morgan Stanley (MS).
Recent Acquisitions (last 3 years):
- 2023: Standard Life Aberdeen's US wealth management business for $1.3 billion.
- 2022: John Hancock Financial's life insurance business in the US for $3.1 billion.
- 2021: Asia Life Insurance Korea for $1.2 billion.
- These acquisitions strategically expand Manulife's presence in key markets and strengthen its product offerings.
AI-Based Fundamental Rating:
Rating: 7.5/10
Justification:
- Strong financial performance and track record of dividend increases.
- Growing market share in key segments.
- Positive growth prospects driven by increasing demand for insurance and wealth management products.
- Strong brand recognition and reputation.
- Risks include competitive landscape and regulatory changes.
Sources:
- Manulife Financial Corp. annual reports and financial statements
- Bloomberg
- S&P Global Market Intelligence
- McKinsey & Company
- Insurance Information Institute
Disclaimer:
This information is for educational purposes only and should not be considered investment advice. Please consult a financial advisor before making any investment decisions.
About Manulife Financial Corp
Exchange NYSE | Headquaters Toronto, ON, Canada | ||
IPO Launch date 1999-09-23 | President and CEO of Global Wealth & Asset Management Mr. Paul Raymon Lorentz | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 37000 | Website https://www.manulife.com |
Full time employees 37000 | Website https://www.manulife.com | ||
Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in the United States, Canada, Asia, and internationally. The company operates through Wealth and Asset Management Businesses; Insurance and Annuity Products; and Corporate and Other segments. The Wealth and Asset Management Businesses segment offers investment advice and solutions to retirement, retail, and institutional clients through multiple distribution channels, including agents and brokers affiliated with the company, independent securities brokerage firms and financial advisors pension plan consultants, and banks. The Insurance and Annuity Products segment provides deposit and credit products; and individual life insurance, individual and group long-term care insurance, and guaranteed and partially guaranteed annuity products through multiple distribution channels, including insurance agents, brokers, banks, financial planners, and direct marketing. The Corporate and Other segment is involved in the property and casualty reinsurance businesses; and run-off reinsurance operations, including variable annuities, and accident and health. The company also manages timberland and agricultural portfolios; and engages in insurance agency, investment counseling and dealer, portfolio and mutual fund management, property and casualty insurance, and mutual fund dealer businesses. In addition, it provides integrated banking products and services. The company was incorporated in 1887 and is headquartered in Toronto, Canada.
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