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Manulife Financial Corporation (MFC) Stock Analysis

SellModerate Confidence

Financial Services · Insurance - Life

Sell if holding. Analyst target reached at $38.01 — A.R:R is negative (-4.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (4).

Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in the United States, Canada, Asia, and internationally. It operates through Wealth and Asset Management Businesses; Insurance and Annuity Products; and Corporate and Other... Read more

$38.01+4.2% A.UpsideScore 6.2/10#4 of 15 Insurance - Life
QualityF-score9 / 9FCF yield8.64%
IncomeYield3.56%(5y avg 4.62%)Payout57.33%sustainable
Stop $36.38Target $39.60(resistance)A.R:R -4.5:1
Analyst target$34.53-9.2%2 analysts
$39.60our TP
$38.01price
$34.53mean
$31
$40

Sell if holding. Analyst target reached at $38.01 — A.R:R is negative (-4.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.2/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, earnings proximity 77d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — Manulife Financial Corporation

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Consecutive earnings misses (4)

Key Metrics

P/E (TTM)17.0
P/E (Fwd)10.5
Mkt Cap$63.1B
EV/EBITDA6.0
Profit Mgn20.0%
ROE12.6%
Rev Growth12.1%
Beta0.76
Dividend3.56%
Rating analysts19

Quality Signals

Piotroski F9/9MoatWideCompounder

Options Flow

P/C0.74neutral
IV35%normal
Max Pain$29-23.7% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Dividend Safety
4.8
Erm
5.0
Earnings Timing
5.0
News Activity
6.0
Earnings concerns: 0B/4MYield trap warning: high yield but unsafe
GatesMomentum 4.3<4.5A.R:R -4.5=NEGATIVEInsider activity: OKNo SEC red flagsEARNINGS PROXIMITY 77d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
41 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $36.97Resistance $40.41

Price Targets

$36
$40
A.Upside+4.2%
A.R:R-4.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-22.8% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Momentum score 4.3/10 — below 4.5 minimum

Earnings

M
M
M
M
0/4 beats
Next Earnings2026-08-05 (77d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is MFC stock a buy right now?

Sell if holding. Analyst target reached at $38.01 — A.R:R is negative (-4.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $36.38. Score 6.2/10, moderate confidence.

What is the MFC stock price target?

Take-profit target: $39.60 (+4.2% upside). Prior stop was $36.38. Stop-loss: $36.38.

What are the risks of investing in MFC?

Analyst target reached - limited upside remaining; Consecutive earnings misses (4).

Is MFC overvalued or undervalued?

Manulife Financial Corporation trades at a P/E of 17.0 (forward 10.5). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about MFC?

19 analysts cover MFC with a consensus score of 3.8/5. Average price target: $35.

What does Manulife Financial Corporation do?Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in the United...

Manulife Financial Corporation, together with its subsidiaries, provides financial products and services in the United States, Canada, Asia, and internationally. It operates through Wealth and Asset Management Businesses; Insurance and Annuity Products; and Corporate and Other segments. The Wealth and Asset Management Businesses segment offers investment advice and solutions to retirement, retail, and institutional clients through multiple distribution channels, including agents and brokers affiliated with the company, independent securities brokerage firms and financial advisors pension plan consultants, and banks. The Insurance and Annuity Products segment provides deposit and credit products; and individual life insurance, individual and group long-term care insurance, and guaranteed and partially guaranteed annuity products through multiple distribution channels, including insurance agents, brokers, banks, financial planners, and direct marketing. The Corporate and Other segment is involved in the property and casualty reinsurance businesses; and run-off reinsurance operations, including variable annuities, and accident and health. The company also manages timberland and agricultural portfolios; and engages in the insurance agency, broker dealer, investment counseling, portfolio and mutual fund management, property and casualty insurance, and fund and investment management businesses. In addition, it provides integrated banking products and services, as well as offers asset management services. The company was incorporated in 1887 and is headquartered in Toronto, Canada.

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