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Also traded in: Canada, Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.58
GWLIF's Cash-to-Debt is ranked lower than
82% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.48 vs. GWLIF: 0.58 )
Ranked among companies with meaningful Cash-to-Debt only.
GWLIF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37  Med: 0.58 Max: 1.55
Current: 0.58
0.37
1.55
Equity-to-Asset 0.06
GWLIF's Equity-to-Asset is ranked lower than
65% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. GWLIF: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
GWLIF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.06
0.05
0.1
Debt-to-Equity 0.24
GWLIF's Debt-to-Equity is ranked higher than
53% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. GWLIF: 0.24 )
Ranked among companies with meaningful Debt-to-Equity only.
GWLIF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18  Med: 0.3 Max: 0.54
Current: 0.24
0.18
0.54
Debt-to-EBITDA 1.46
GWLIF's Debt-to-EBITDA is ranked lower than
56% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. GWLIF: 1.46 )
Ranked among companies with meaningful Debt-to-EBITDA only.
GWLIF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.35  Med: 1.66 Max: 5.07
Current: 1.46
1.35
5.07
Interest Coverage 10.58
GWLIF's Interest Coverage is ranked lower than
70% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 103.48 vs. GWLIF: 10.58 )
Ranked among companies with meaningful Interest Coverage only.
GWLIF' s Interest Coverage Range Over the Past 10 Years
Min: 1.27  Med: 9.44 Max: 11.46
Current: 10.58
1.27
11.46
Beneish M-Score: -2.48
WACC vs ROIC
7.78%
10.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 7.60
GWLIF's Operating Margin % is ranked lower than
53% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.16 vs. GWLIF: 7.60 )
Ranked among companies with meaningful Operating Margin % only.
GWLIF' s Operating Margin % Range Over the Past 10 Years
Min: 1.11  Med: 8.51 Max: 10.52
Current: 7.6
1.11
10.52
Net Margin % 6.10
GWLIF's Net Margin % is ranked higher than
52% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.08 vs. GWLIF: 6.10 )
Ranked among companies with meaningful Net Margin % only.
GWLIF' s Net Margin % Range Over the Past 10 Years
Min: 4.28  Med: 6.55 Max: 9.11
Current: 6.1
4.28
9.11
ROE % 11.00
GWLIF's ROE % is ranked higher than
67% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.29 vs. GWLIF: 11.00 )
Ranked among companies with meaningful ROE % only.
GWLIF' s ROE % Range Over the Past 10 Years
Min: 11  Med: 12.47 Max: 18.67
Current: 11
11
18.67
ROA % 0.63
GWLIF's ROA % is ranked lower than
51% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. GWLIF: 0.63 )
Ranked among companies with meaningful ROA % only.
GWLIF' s ROA % Range Over the Past 10 Years
Min: 0.63  Med: 0.87 Max: 1.77
Current: 0.63
0.63
1.77
3-Year Revenue Growth Rate 20.60
GWLIF's 3-Year Revenue Growth Rate is ranked higher than
89% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.70 vs. GWLIF: 20.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GWLIF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.3  Med: 5.95 Max: 25
Current: 20.6
-6.3
25
3-Year EBITDA Growth Rate 7.10
GWLIF's 3-Year EBITDA Growth Rate is ranked higher than
62% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.20 vs. GWLIF: 7.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
GWLIF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.85 Max: 56.5
Current: 7.1
0
56.5
3-Year EPS without NRI Growth Rate 5.10
GWLIF's 3-Year EPS without NRI Growth Rate is ranked higher than
59% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.60 vs. GWLIF: 5.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
GWLIF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -26.1  Med: 9.7 Max: 39.2
Current: 5.1
-26.1
39.2
GuruFocus has detected 4 Warning Signs with Great-West Lifeco Inc GWLIF.
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» GWLIF's 30-Y Financials

Financials (Next Earnings Date: 2018-02-09)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of Great-West Lifeco Inc

SymbolPriceYieldDescription
GWO.PR.P.Canada25.435.315.4 % Non-Cum 1st Pfd Shs Series -P-
GWO.PR.I.Canada22.505.004.50% NON-CUMULATIVE Great-West Lifeco Inc. FIRST PREFERRED SHARES, SERIES I
GWO.PR.F.Canada25.955.685.9 % 1st Pfd Shs Series F
GWO.PR.G.Canada25.005.205.2 % Non Cum 1st Pfd Shs Series -G
GWO.PR.H.Canada23.705.124.85 % Non-Cum Pfd Shs Series -H
GWO.PR.R.Canada23.805.04Non-Cum Red 1st Pfd Shs Series -R-
GWO.PR.L.Canada25.805.475.65 % Non Cum First Pfd Shs Series -L-
GWO.PR.M.Canada25.995.585.8 % Non-Cum 1st Pfd Shs Series -M-
GWO.PR.N.Canada18.642.92Non-Cum 1st Pfd Shs Series -N-
GWO.PR.T.Canada25.121.905.15% Non-Cum Red 1st Pfd Registered Shs Series -T-
GWO.PR.Q.Canada24.865.18Non-Cum 1st Pfd Shs Series -Q-
GWLXF22.850.00Non-Cum 1st Pfd Shs Series -Q-
GWLOF20.355.555.9 % 1st Pfd Shs Series F
GWO.PR.S.Canada25.205.21Non-Cum 1st Pfd Shs Series -S-
GRWTF15.990.004.50% NON-CUMULATIVE Great-West Lifeco Inc. FIRST PREFERRED SHARES, SERIES I
GWO.PR.O.Canada17.702.55Non-Cum 1st Pfd Shs Series -O- Fltg Rt

Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 7311
Compare:SHSE:601336, NYSE:AFL, TSE:8750, LSE:LGEN, XKRX:032830, TSX:PWF, NYSE:PFG, LSE:SLA, NYSE:LNC, XPAR:CNP, TSX:MFC, TSE:7181, LSE:OML, HKSE:00966, NYSE:UNM, ASX:AMP, TSX:POW, JSE:SLM, XBRU:AGS, NYSE:TMK » details
Traded in other countries:GWO.Canada, GWS.Germany,
Headquarter Location:Canada
Great-West Lifeco Inc is a life insurance company that also offers health insurance, retirement and investment services, asset management and reinsurance businesses. It operates in Canada, U.S. and Europe.

Great-West Lifeco, majority-owned by Power Financial, is one of Canada's big three life insurance firms. Great-West primarily operates in its home market of Canada but has been expanding its operations in the U.S. and Europe through Irish Life, Putnam Investments, and now Empower Retirement. This has increased the proportion of operations in the asset and wealth management industries, which now constitute roughly 30% of earnings. Protection products, annuities, health benefits, and reinsurance make up the rest of the business.

Ratios

vs
industry
vs
history
PE Ratio 14.20
GWLIF's PE Ratio is ranked lower than
52% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. GWLIF: 14.20 )
Ranked among companies with meaningful PE Ratio only.
GWLIF' s PE Ratio Range Over the Past 10 Years
Min: 6.65  Med: 13.5 Max: 112.87
Current: 14.2
6.65
112.87
Forward PE Ratio 11.67
GWLIF's Forward PE Ratio is ranked higher than
52% of the 33 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.85 vs. GWLIF: 11.67 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.20
GWLIF's PE Ratio without NRI is ranked lower than
52% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. GWLIF: 14.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
GWLIF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.94  Med: 13.74 Max: 107
Current: 14.2
8.94
107
PB Ratio 1.75
GWLIF's PB Ratio is ranked lower than
69% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. GWLIF: 1.75 )
Ranked among companies with meaningful PB Ratio only.
GWLIF' s PB Ratio Range Over the Past 10 Years
Min: 0.96  Med: 1.96 Max: 3.32
Current: 1.75
0.96
3.32
PS Ratio 0.83
GWLIF's PS Ratio is ranked higher than
54% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. GWLIF: 0.83 )
Ranked among companies with meaningful PS Ratio only.
GWLIF' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.83 Max: 1.35
Current: 0.83
0.39
1.35
Price-to-Operating-Cash-Flow 5.91
GWLIF's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.84 vs. GWLIF: 5.91 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
GWLIF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.87  Med: 5.78 Max: 10.43
Current: 5.91
2.87
10.43
EV-to-EBIT 12.20
GWLIF's EV-to-EBIT is ranked lower than
70% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.68 vs. GWLIF: 12.20 )
Ranked among companies with meaningful EV-to-EBIT only.
GWLIF' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.4  Med: 11.9 Max: 113.8
Current: 12.2
7.4
113.8
EV-to-EBITDA 11.47
GWLIF's EV-to-EBITDA is ranked lower than
68% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.33 vs. GWLIF: 11.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
GWLIF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.2  Med: 11.3 Max: 85.2
Current: 11.47
7.2
85.2
EV-to-Revenue 1.01
GWLIF's EV-to-Revenue is ranked higher than
54% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. GWLIF: 1.01 )
Ranked among companies with meaningful EV-to-Revenue only.
GWLIF' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.5  Med: 1 Max: 1.7
Current: 1.01
0.5
1.7
PEG Ratio 2.41
GWLIF's PEG Ratio is ranked lower than
69% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. GWLIF: 2.41 )
Ranked among companies with meaningful PEG Ratio only.
GWLIF' s PEG Ratio Range Over the Past 10 Years
Min: 0.32  Med: 1.43 Max: 10.55
Current: 2.41
0.32
10.55
Shiller PE Ratio 15.02
GWLIF's Shiller PE Ratio is ranked higher than
74% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.84 vs. GWLIF: 15.02 )
Ranked among companies with meaningful Shiller PE Ratio only.
GWLIF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.44  Med: 14.79 Max: 27.16
Current: 15.02
7.44
27.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.09
GWLIF's Dividend Yield % is ranked higher than
66% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.26 vs. GWLIF: 3.09 )
Ranked among companies with meaningful Dividend Yield % only.
GWLIF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.48  Med: 4.11 Max: 10.04
Current: 3.09
2.48
10.04
Dividend Payout Ratio 0.45
GWLIF's Dividend Payout Ratio is ranked lower than
73% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. GWLIF: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
GWLIF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.45  Med: 0.56 Max: 1.53
Current: 0.45
0.45
1.53
3-Year Dividend Growth Rate 4.00
GWLIF's 3-Year Dividend Growth Rate is ranked lower than
67% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.10 vs. GWLIF: 4.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
GWLIF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 14.85 Max: 21.4
Current: 4
0
21.4
Forward Dividend Yield % 4.28
GWLIF's Forward Dividend Yield % is ranked higher than
63% of the 128 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.55 vs. GWLIF: 4.28 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.45
GWLIF's 5-Year Yield-on-Cost % is ranked lower than
87% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.32 vs. GWLIF: 3.45 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
GWLIF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.77  Med: 4.57 Max: 11.19
Current: 3.45
2.77
11.19
3-Year Average Share Buyback Ratio 0.40
GWLIF's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. GWLIF: 0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GWLIF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.7  Med: -1.55 Max: 0.7
Current: 0.4
-6.7
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.59
GWLIF's Price-to-Tangible-Book is ranked lower than
86% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.49 vs. GWLIF: 3.59 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
GWLIF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.71  Med: 5.32 Max: 66.95
Current: 3.59
1.71
66.95
Price-to-Intrinsic-Value-Projected-FCF 1.93
GWLIF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
94% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.54 vs. GWLIF: 1.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
GWLIF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.94  Med: 1.83 Max: 2.7
Current: 1.93
0.94
2.7
Price-to-Median-PS-Value 0.99
GWLIF's Price-to-Median-PS-Value is ranked higher than
62% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. GWLIF: 0.99 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
GWLIF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.03 Max: 1.73
Current: 0.99
0.63
1.73
Price-to-Graham-Number 1.51
GWLIF's Price-to-Graham-Number is ranked lower than
74% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. GWLIF: 1.51 )
Ranked among companies with meaningful Price-to-Graham-Number only.
GWLIF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.25  Med: 2.17 Max: 7.52
Current: 1.51
1.25
7.52
Earnings Yield (Greenblatt) % 8.20
GWLIF's Earnings Yield (Greenblatt) % is ranked lower than
58% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.07 vs. GWLIF: 8.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GWLIF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 8.4 Max: 13.5
Current: 8.2
0.9
13.5
Forward Rate of Return (Yacktman) % 4.18
GWLIF's Forward Rate of Return (Yacktman) % is ranked lower than
80% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 20.94 vs. GWLIF: 4.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
GWLIF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -16.5  Med: 9.2 Max: 41.2
Current: 4.18
-16.5
41.2

More Statistics

Revenue (TTM) (Mil) $32,089.93
EPS (TTM) $ 1.88
Beta1.17
Short Percentage of Float0.00%
52-Week Range $24.24 - 29.02
Shares Outstanding (Mil)943.88

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 2.09 2.35 2.52
EPS without NRI ($) 2.09 2.35 2.52
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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