Manulife Financial Corporation
Manulife Financial Corporation Fundamental Analysis
Manulife Financial Corporation (0945.HK) shows moderate financial fundamentals with a PE ratio of 78.91, profit margin of 10.91%, and ROE of 11.34%. The company generates $9.3B in annual revenue with moderate year-over-year growth of 7.74%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze 0945.HK's fundamental strength across five key dimensions:
Efficiency Score
Weak0945.HK struggles to generate sufficient returns from assets.
Valuation Score
Moderate0945.HK shows balanced valuation metrics.
Growth Score
Moderate0945.HK shows steady but slowing expansion.
Financial Health Score
Excellent0945.HK maintains a strong and stable balance sheet.
Profitability Score
Weak0945.HK struggles to sustain strong margins.
Key Financial Metrics
Is 0945.HK Expensive or Cheap?
P/E Ratio
0945.HK trades at 78.91 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, 0945.HK's PEG of -277.60 indicates potential undervaluation.
Price to Book
The market values Manulife Financial Corporation at 8.95 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 13.56 times EBITDA. This signals the market has high growth expectations.
How Well Does 0945.HK Make Money?
Net Profit Margin
For every $100 in sales, Manulife Financial Corporation keeps $10.91 as profit after all expenses.
Operating Margin
Core operations generate 13.38 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.34 in profit for every $100 of shareholder equity.
ROA
Manulife Financial Corporation generates $0.56 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Manulife Financial Corporation generates strong operating cash flow of $5.64B, reflecting robust business health.
Free Cash Flow
Manulife Financial Corporation generates strong free cash flow of $5.64B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.36 in free cash annually.
FCF Yield
0945.HK converts 40.05% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
78.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-277.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
8.95
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.51
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.29
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.12
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How 0945.HK Stacks Against Its Sector Peers
| Metric | 0945.HK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 78.91 | 18.66 | Worse (Expensive) |
| ROE | 11.34% | 806.00% | Weak |
| Net Margin | 10.91% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.29 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 2.12 | 662.02 | Strong Liquidity |
| ROA | 0.56% | -24409.00% (disorted) | Weak |
0945.HK outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Manulife Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-35.53%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
17.62%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
41.95%
Industry Style: Value, Dividend, Cyclical
High Growth