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Upturn AI Summary - About
Manulife Financial Corp(MFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MFC
10/30/2026: MFC (4-star) is a STRONG-BUY. BUY for 7 days. Simulated Profits (-2.17%). Updated daily EoD!
Manulife Financial Corp is a globally diversified insurance and asset management firm with a notable presence in Asia and North America. The company's primary strengths lie in its balanced business model, combining steady insurance premiums with growth-oriented fee-based wealth management services. While the company is well-positioned for long-term growth, it faces risks from interest rate volatility, regulatory burdens, and intense market competition. The stock is often viewed as a strong candidate for dividend-focused investors due to its consistent payout history. Key developments to monitor include the success of its ongoing digital transformation initiatives and progress in reducing legacy insurance obligations.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Manulife offers moderate growth potential, particularly in Asian markets, but is not a high-growth tech stock. |
| Momentum investor | Mixed fit | Momentum is conditional on broader market sentiment and interest rate trends affecting financial stocks. |
| Value investor | Strong fit | Manulife often trades at attractive valuation multiples relative to its earnings potential. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy, making it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the stock is subject to industry-specific regulatory and interest rate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial stocks are sensitive to macroeconomic changes and market sentiment. |
| Valuation risk | Low | Current valuations generally reflect stable fundamental performance. |
| Competition risk (Insurance/Wealth) | Medium / high | Intense competition for market share impacts pricing power and margins. |
| Business quality | Strong | The company has a long history and strong capital position. |
| Dividend income | Strong | Consistent dividend payments provide a stable income stream for shareholders. |
| Execution risk | Medium | Integrating new digital initiatives and managing legacy assets requires disciplined execution. |
Analysis of Past Performance
Type Stock | Historic Profit 50.32% | Avg. Invested days 55 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 74.86B USD | Price to earnings Ratio 16.95 | 1Y Target Price 34.89 |
Price to earnings Ratio 16.95 | 1Y Target Price 34.89 | ||
Volume (30-day avg) 1.3M shares | Beta 0.74 | 52 Weeks Range 31.06 - 45.68 | Updated Date 10/30/2026 |
52 Weeks Range 31.06 - 45.68 | Updated Date 10/30/2026 | ||
Dividends yield (FY) 4.13% | Basic EPS (TTM) 2.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Services | Life, health, and annuity products sold across North America and Asia. | The company earns premiums from customers and manages the investment of those premiums. |
| Wealth and Asset Management | Fees generated from mutual funds, managed accounts, and retirement plans. | The company takes a percentage-based fee on the assets they manage for clients. |
| Geography: Asia | Insurance and wealth products across high-growth markets like China and Southeast Asia. | This is a key engine for potential growth outside of North America. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 0.83 | Actual - |
Profitability
Profit Margin 20.31% | Operating Margin (TTM) 28.25% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 13.31% |
Valuation
Trailing PE 16.95 | Forward PE 12.44 | Enterprise Value 68.96B | Price to Sales(TTM) 2.26 |
Enterprise Value 68.96B | Price to Sales(TTM) 2.26 | ||
Enterprise Value to Revenue 1.69 | Enterprise Value to EBITDA - | Shares Outstanding 1.65B | Shares Floating 1.66B |
Shares Outstanding 1.65B | Shares Floating 1.66B | ||
Percent Insiders 0.02 | Percent Institutions 54.22 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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