Manulife Financial Corp (MFC)vsPrimerica Inc (PRI)
MFC
Manulife Financial Corp
$34.60
+0.48%
FINANCIAL SERVICES · Cap: $56.67B
PRI
Primerica Inc
$251.89
+0.39%
FINANCIAL SERVICES · Cap: $7.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Manulife Financial Corp generates 825% more annual revenue ($30.98B vs $3.35B). PRI leads profitability with a 22.4% profit margin vs 18.7%. MFC appears more attractively valued with a PEG of 0.78. PRI earns a higher WallStSmart Score of 75/100 (B+).
MFC
Strong Buy66
out of 100
Grade: B-
PRI
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-149.9%
Fair Value
$15.16
Current Price
$34.59
$19.43 premium
Margin of Safety
+75.1%
Fair Value
$1017.20
Current Price
$251.89
$765.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 133.5%
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Strong operational efficiency at 30.8%
Keeps 22 of every $100 in revenue as profit
Earnings expanding 23.5% YoY
Areas to Watch
Revenue declined 34.9%
Earnings declined 6.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFC
The strongest argument for MFC centers on Operating Margin, Market Cap, Debt/Equity. Profitability is solid with margins at 18.7% and operating margin at 133.5%. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bull Case : PRI
The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.4% and operating margin at 30.8%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : MFC
The primary concerns for MFC are Revenue Growth, EPS Growth.
Bear Case : PRI
The primary concerns for PRI are Altman Z-Score.
Key Dynamics to Monitor
MFC profiles as a declining stock while PRI is a mature play — different risk/reward profiles.
PRI carries more volatility with a beta of 0.92 — expect wider price swings.
PRI is growing revenue faster at 8.0% — sustainability is the question.
MFC generates stronger free cash flow (8.6B), providing more financial flexibility.
Bottom Line
PRI scores higher overall (75/100 vs 66/100), backed by strong 22.4% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Manulife Financial Corp
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.
Visit Website →Primerica Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.
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