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Manulife Financial Corporation (MFC) Stock Analysis

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Life

Sell if holding. Analyst target reached at $38.89 — A.R:R is negative (-2.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.1% away).

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

$38.89-0.9% A.UpsideScore 4.9/10#12 of 15 Insurance - Life
Stop $37.53Target $38.44(resistance)A.R:R -2.0:1
Analyst target$34.77-10.6%2 analysts
$38.44our TP
$38.89price
$34.77mean
$31

Sell if holding. Analyst target reached at $38.89 — A.R:R is negative (-2.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.1% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 4.9/10, moderate confidence.

Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (1.1% away)
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)17.0
P/E (Fwd)10.5
Mkt Cap$63.8B
EV/EBITDA6.6
Profit Mgn18.7%
ROE11.5%
Rev Growth-34.9%
Beta0.73
Dividend3.44%
Rating analysts19

Quality Signals

Piotroski F7/9

Options Flow

P/C0.86neutral
IV39%normal
Max Pain$30-22.9% vs spot

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

Rating Breakdown

2 floor-breakers

Revenue shrinking — -34.9% YoY. Growth thesis broken unless recovery story develops.static

Revenue Growth
0.0
Earnings Growth
0.8
Declining revenue: -35%

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
0.0
Value Rank
1.8
Quality Rank
6.0
GatesMomentum 4.3<4.5A.R:R -2.0=NEGATIVEEARNINGS PROXIMITY 13d<=14d (soft)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Moderate
RSI
73 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $34.15Resistance $39.22

Price Targets

$38
$38
A.Upside-1.2%
A.R:R-2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-23.8% upside)
! Momentum score 4.3/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-05-13 (13d)

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 $38.89 — A.R:R is negative (-2.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.1% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $37.53. Score 4.9/10, moderate confidence.

What is the MFC stock price target?

Take-profit target: $38.44 (-0.9% upside). Prior stop was $37.53. Stop-loss: $37.53.

What are the risks of investing in MFC?

Analyst target reached - limited upside remaining; Near 52-week high (1.1% away); Consecutive earnings misses (2).

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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