Manulife Financial (PHS:MFC) GF Value Rank: 3 (As of Jul. 02, 2026) — 40% Below Median


PHS:MFC Manulife Financial Corp PHS:MFC
71 GF Score
Price ₱2,398.00
GF Value ₱1,830.18
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Manulife Financial GF Value Rank?

Manulife Financial PHS:MFC +3.10% 71 GF Value Rank is 3 as of Jul. 02, 2026, which is 40% below its 10-year median of 5.00. GuruFocus rates PHS:MFC with a GF Score™ of 71/100 and a GF Value™ of ₱1,830.18 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Manulife Financial has the GF Value Rank of 3.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Manulife Financial GF Value Rank Related Terms

PHS:MFC vs AFL, MET, PRU: GF Value Rank Comparison

For the Insurance - Life subindustry, Manulife Financial's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Manulife Financial GF Value Rank vs Insurance Industry

For the Insurance industry and Financial Services sector, Manulife Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Manulife Financial's GF Value Rank falls into.


PHS:MFC
71GF Score
Manulife Financial Corp PHS:MFC
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 3 mean?
Manulife Financial (PHS:MFC) has a GF Value Rank of 3 as of Jul. 02, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Manulife Financial and its competitors. This is 40% below median its historical median of 5.00. Over the past decade, Manulife Financial's GF Value Rank has ranged from 1.00 to 10.00.
Is Manulife Financial's GF Value Rank too high?
Manulife Financial's current GF Value Rank of 3 is 40% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Manulife Financial has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manulife Financial's GF Value Rank compare to AFL and MET?
Manulife Financial's GF Value Rank of 3 can be compared against companies in the Insurance industry. Historically, Manulife Financial's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for an Insurance company?
A good GF Value Rank depends on the Insurance industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Manulife Financial and its competitors. Manulife Financial's current GF Value Rank is 3, which is 40% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manulife Financial stock overvalued right now?
Based on GuruFocus' analysis, Manulife Financial (PHS:MFC) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1,830.18, compared to a current price of ₱2,398.00 — trading 31% above its estimated fair value. The current GF Value Rank is 3, which is 40% below median its 10-year median of 5.00. Manulife Financial's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Manulife Financial (PHS:MFC), the current GF Value Rank is 3 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Manulife Financial (PHS:MFC) Overvalued in 2026?

Based on GuruFocus' analysis, Manulife Financial stock appears to be overvalued. The current stock price of ₱2,398.00 is trading 31% above its estimated GF Value™ of ₱1,830.18. GuruFocus considers Manulife Financial to be Significantly Overvalued.

Key valuation signals for PHS:MFC:

  • GF Value Rank: 3 (40% below median its 10-year median of 5.00)
  • GF Value™: ₱1,830.18 vs. price of ₱2,398.00 (31% above fair value)
  • GF Score™: 71/100 with 8 warning signs

No single metric tells the full story. See the PHS:MFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Manulife Financial Business Description

Address 200 Bloor Street East, Toronto, ON, CAN, M4W 1E5
Manulife Financial is one of the Big Three Canadian life insurers. The firm provides life insurance, annuities, asset management, and wealth management products to individuals and group customers in Canada, the United States, and Asia. The Canadian business segment contributes approximately 21% of 2025 adjusted earnings. The Asia segment operates across 12 countries and contributes around 38% of earnings, with a significant presence in Hong Kong and Singapore. The US business, which primarily operates under the John Hancock brand, contributes about 16% of earnings. Manulife's global asset and wealth management business contributes approximately 25% of its earnings and had around CAD 1.1 trillion in assets under management and administration as of the end of 2025.
71GF Score

Get the complete analysis for PHS:MFC

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱2,398.00
Price
₱1,830.18
GF Value