MFC
Manulife Financial Corporation
Financial Services · Insurance - Life · NYQ
$38.71
Data: 2026-05-14
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$66.5B
Total market value of the company
17.79
Reasonably valued
10.99
Based on estimated future earnings — lower means cheaper
Rev Growth
-34.9%
Year-over-year revenue change
Profit Margin
18.7%
How much profit the company keeps from each dollar of revenue
11.5%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$34.57
-11% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 2 analysts covering this stock
About Manulife Financial Corporation

Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in the United States, Canada, Asia, and internationally. It 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 the insurance agency, broker dealer, investment counseling, portfolio and mutual fund management, property and casualty insurance, and fund and investment management businesses. In addition, it provides integrated banking products and services, as well as offers asset management services. The company was incorporated in 1887 and is headquartered in Toronto, Canada.

https://www.manulife.com

Country: Canada Employees: 37,000 Industry: Insurance - Life
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% PASS
Debt must be below 33% of total assets
Cash Ratio
0.0% PASS
Interest-bearing cash below 33% of assets
Receivables
0.0% PASS
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Valuation
$54.39
What our model estimates this business is worth per share
28.8%
Trading below fair value — margin of safety exists
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
66.5th
Ranks in the top 34% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
83.5
Quality Score
50.3
Combined
44.1

Trading at $40 against a fair value of $54, a 27% discount. Moderate competitive position. Fails ethical screen (Business activity). Ranks better than 79% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

DISTRIBUTION
Smart money appears to be selling into strength — caution
1.031
Excellent risk-adjusted returns
0.0821
Suggested allocation is meaningful — the edge justifies a position
1.473
Returns exceed worst-case losses — strong risk profile
Annual Return
24.7%
Historical annualised return based on price data
-16.8%
Largest peak-to-trough decline — the worst it has been
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
261
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

N/A
52W High
$40.41
4% below the year high
52W Low
$29.70
30% above the year low
Avg Volume
2,412,567
Average daily shares traded — higher means easier to buy and sell
5.8
Days it would take all short sellers to cover — higher means more crowded
Short % Float
N/A
329.0%
Annual dividend as a percentage of the share price
$2.24
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

0.48
Conservative use of debt — low financial risk
30.14
Strong balance sheet — comfortably covers short-term obligations
Quick Ratio
7.36
Like current ratio but excludes inventory — stricter test
Gross Margin
50.3%
Revenue left after cost of goods — higher means pricing power
Operating Margin
19.0%
Profit from core operations before interest and tax
$5.5B
Positive — the business generates more cash than it spends
Revenue (TTM)
$32.0B
Total revenue over the last 12 months
Net Income
$5.9B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
2
Target High
$37.86
Target Median
$34.57
Target Low
$31.28
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-05-19 Kreel (Trevor) Senior Officer of Issuer 2,661 $47,647
2026-05-19 Kreel (Trevor) Senior Officer of Issuer 2,661 $100,737
2026-05-19 Fadous (Stephanie) Senior Officer of Issuer 2,661 $47,647
2026-05-19 Fadous (Stephanie) Senior Officer of Issuer 2,661 $100,737
2026-05-19 Tingle (Brooks) Director or Senior Officer of Insider or Subsidiary of Issuer (other than in 4,5,6) 3,931 $70,388
2026-05-19 Tingle (Brooks) Director or Senior Officer of Insider or Subsidiary of Issuer (other than in 4,5,6) 3,931 $148,815
2026-04-30 Manulife Financial Corporation Issuer 170,000 $6,648,360
2026-04-30 Manulife Financial Corporation Issuer 3,670,400
2026-04-29 Manulife Financial Corporation Issuer 170,000 $6,532,250
2026-04-28 Manulife Financial Corporation Issuer 170,000 $6,574,070
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-14

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