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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
10/16/2026: MFC (5-star) is currently NOT-A-BUY. Pass it for now.
Manulife Financial Corporation is a diversified global financial services firm with a prominent presence in the insurance and wealth management sectors, particularly in Asia and North America. Its primary strengths lie in its extensive distribution network and a balanced business model that bridges fee-based asset management with insurance underwriting. The company's growth is supported by demographic tailwinds in Asia and a commitment to digital transformation. However, it faces risks from interest rate volatility, intense market competition, and the complex nature of legacy insurance portfolios. Manulife is often viewed as a suitable choice for value and dividend-focused investors, though market-sensitive volatility should be monitored by those with lower risk tolerances.
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 | While it offers exposure to Asian growth, it is a mature company with steady rather than explosive growth. |
| Momentum investor | Strong fit while signal remains positive | The stock can participate in strong market rallies when sentiment towards financial stocks is positive. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to its book value and earnings. |
| Dividend investor | Strong fit | Manulife provides a reliable and historically growing dividend yield suitable for income-focused investors. |
| Low-risk investor | Mixed fit | Insurance stocks are subject to market cycles and interest rate sensitivities which introduce moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to equity market performance and macroeconomic news. |
| Valuation risk | Medium | While typically reasonably valued, price adjustments occur based on interest rate expectations. |
| Competition risk (financial services) | Medium / high | Competition from large asset managers and specialized fintech firms remains fierce. |
| Business quality | Strong | Manulife possesses a long-standing, globally recognized franchise with significant assets under management. |
| Dividend income | Low | The dividend is generally considered stable and well-supported by earnings. |
| Execution risk | Medium | Effectively managing complex cross-border operations is critical to maintaining margins. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 53.65% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/16/2026 |
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 72.56B USD | Price to earnings Ratio 16.43 | 1Y Target Price 34.42 |
Price to earnings Ratio 16.43 | 1Y Target Price 34.42 | ||
Volume (30-day avg) 1.5M shares | Beta 0.74 | 52 Weeks Range 30.55 - 44.95 | Updated Date 10/16/2026 |
52 Weeks Range 30.55 - 44.95 | Updated Date 10/16/2026 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 2.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wealth and Asset Management | Investment management fees and advisory services. | The company earns fees based on the size of the assets they manage for clients. |
| Insurance Operations | Premiums from life, health, and annuity products. | The company earns money by collecting premiums and investing those funds profitably. |
| Geography: Asia | Insurance and wealth products across various Asian markets. | Asia is a major growth engine for the company, contributing significantly to new business. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 16.43 | Forward PE 12.24 | Enterprise Value 68.57B | Price to Sales(TTM) 2.19 |
Enterprise Value 68.57B | Price to Sales(TTM) 2.19 | ||
Enterprise Value to Revenue 1.67 | 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 54.21 |
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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