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Market Price

28.21 

-0.15 -0.5%

as of Aug 20 '19

52 Week Range:

26.83 34.42


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Great-West Lifeco Inc., a financial services holding company, engages in life and health insurance, asset management, investment and retirement savings, and reinsurance businesses in Canada, the United States, and Europe. The company offers a portfolio of financial and benefit plan solutions for individuals, families, businesses, and organizations; life, disability, critical illness, accidental death, dismemberment, dental protection, direct marketing, health, and creditor insurance products; and wealth savings and income, accumulation, and annuity products. It also provides employer-sponsored retirement savings plans, individual retirement accounts, enrollment services, communication materials, investment options, and education services; and fund management, investment, and advisory services. In addition, the company offers private-label recordkeeping and administrative services; executive benefits products; and investment products, including equity, fixed income, absolute return, and alternative strategies. Further, it provides protection and wealth management products; payout annuity, and property and casualty reinsurance and retrocession products; and pension products. The company offers its products under the under various brand names, including the Great-West Life, London Life, the Canada Life, the Freedom 55 Financial, the Irish Life, the Great-West Financial, the Empower Retirement, the Putnam Investments, and PanAgora. It distributes its products through a network of advisors, dealers, brokers, managing general agencies, financial institutions, consultants, third-party administrators, wholesale and retail sales force, financial planners, employee benefit consultants, banks, and multi-tied agents. The company was founded in 1891 and is based in Winnipeg, Canada. Great-West Lifeco Inc. is a subsidiary of Power Financial Corporation.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 12.61
12.18
12.15
12.49
13.18
14.40
16.57
19.39
19.18
19.94
21.26
growth rate -3.4% -0.3% 2.8% 5.5% 9.3% 15.1% 17.0% -1.1% 4.0% 6.6%
Earnings BIT 375.00
2,080.00
1,980.00
2,700.00
2,580.00
3,177.00
3,725.00
3,809.00
3,717.00
3,471.00
3,750.00
growth rate 454.7% -4.8% 36.4% -4.4% 23.1% 17.3% 2.3% -2.4% -6.6% 8.0%
Avg.PE 26.46
15.63
15.11
9.71
12.89
14.25
13.77
12.14
14.00
14.09
10.95
growth rate -40.9% -3.3% -35.7% 32.8% 10.6% -3.4% -11.8% 15.3% 0.6% -22.3%
ROA 1.12
1.26
1.28
1.09
0.74
0.79
0.75
0.73
0.66
0.52
0.70
growth rate 12.5% 1.6% -14.8% -32.1% 6.8% -5.1% -2.7% -9.6% -21.2% 34.6%
ROE 12.86
13.90
14.39
17.21
14.81
16.36
15.88
15.06
13.40
10.92
14.20
growth rate 8.1% 3.5% 19.6% -14.0% 10.5% -2.9% -5.2% -11.0% -18.5% 30.0%
ROIC 10.43
12.16
12.11
14.07
11.98
12.48
11.52
growth rate 16.6% -0.4% 16.2% -14.9% 4.2% -7.7%
Leverage 10.93
11.16
11.41
19.93
20.25
21.26
21.31
20.06
20.52
21.11
19.61
growth rate 2.1% 2.2% 74.7% 1.6% 5.0% 0.2% -5.9% 2.3% 2.9% -7.1%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 1,991.00
2,103.00
2,485.00
3,444.00
3,797.00
4,442.00
growth rate 5.6% 18.2% 38.6% 10.3% 17.0%
Acct.Payable 1,853.00
1,793.00
2,111.00
2,369.00
3,057.00
4,629.00
growth rate -3.2% 17.7% 12.2% 29.0% 51.4%
Cur.Assets 89,522.00
98,804.00
106,163.00
110,727.00
113,103.00
118,955.00
growth rate 10.4% 7.5% 4.3% 2.2% 5.2%
Total Assets 130,074.00
128,369.00
229,421.00
238,768.00
253,850.00
325,876.00
356,709.00
399,935.00
399,733.00
419,838.00
427,689.00
growth rate -1.3% 78.7% 4.1% 6.3% 28.4% 9.5% 12.1% -0.1% 5.0% 1.9%
Cash 2,850.00
3,427.00
1,840.00
2,056.00
1,895.00
2,679.00
2,356.00
2,654.00
3,074.00
3,307.00
3,829.00
growth rate 20.3% -46.3% 11.7% -7.8% 41.4% -12.1% 12.7% 15.8% 7.6% 15.8%
Cur.Liabilities 5,568.00
5,678.00
7,363.00
7,594.00
7,518.00
13,367.00
growth rate 2.0% 29.7% 3.1% -1.0% 77.8%
Liabilities 116,846.00
115,366.00
216,652.00
224,894.00
236,839.00
306,046.00
334,812.00
374,675.00
374,725.00
394,302.00
400,291.00
growth rate -1.3% 87.8% 3.8% 5.3% 29.2% 9.4% 11.9% 0.0% 5.2% 1.5%
LT Debt 3,821.00
4,142.00
4,288.00
4,313.00
4,447.00
5,320.00
4,921.00
5,089.00
5,513.00
5,149.00
5,984.00
growth rate 8.4% 3.5% 0.6% 3.1% 19.6% -7.5% 3.4% 8.3% -6.6% 16.2%
Equity 13,228.00
13,003.00
12,769.00
13,874.00
17,011.00
15,154.00
16,740.00
19,925.00
19,488.00
19,887.00
21,809.00
growth rate -1.7% -1.8% 8.7% 22.6% -10.9% 10.5% 19.0% -2.2% 2.1% 9.7%
Common Shares 899.00
946.00
958.00
962.00
961.00
991.00
1,000.00
998.00
992.00
991.00
989.00
growth rate 5.2% 1.3% 0.4% -0.1% 3.1% 0.9% -0.2% -0.6% -0.1% -0.2%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 20.00
31.00
0.00
0.00
0.00
growth rate 55.0% -100.0%
Cash Dividends 1,130.00
1,234.00
1,251.00
1,265.00
1,283.00
1,330.00
1,350.00
1,424.00
1,492.00
1,582.00
1,671.00
growth rate 9.2% 1.4% 1.1% 1.4% 3.7% 1.5% 5.5% 4.8% 6.0% 5.6%
Cash From OA 3,863.00
3,958.00
5,797.00
4,844.00
4,722.00
5,026.00
5,443.00
5,123.00
6,254.00
6,757.00
6,494.00
growth rate 2.5% 46.5% -16.4% -2.5% 6.4% 8.3% -5.9% 22.1% 8.0% -3.9%
FCF per Share 4.28
4.15
6.11
5.47
4.92
5.26
6.09
4.78
5.97
5.92
7.29
growth rate -3.0% 47.2% -10.5% -10.1% 6.9% 15.8% -21.5% 24.9% -0.8% 23.1%
Sale Purchase of Stock 1,277.00
10.00
99.00
31.00
126.00
growth rate -99.2% 890.0% -68.7% 306.5%
FCF 3,843.00
3,927.00
5,797.00
4,844.00
4,722.00
5,026.00
5,443.00
5,123.00
6,254.00
6,757.00
6,494.00
growth rate 2.2% 47.6% -16.4% -2.5% 6.4% 8.3% -5.9% 22.1% 8.0% -3.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 33,932.00
30,541.00
30,103.00
29,898.00
30,597.00
26,410.00
39,198.00
33,820.00
46,416.00
47,124.00
44,036.00
growth rate -10.0% -1.4% -0.7% 2.3% -13.7% 48.4% -13.7% 37.2% 1.5% -6.6%
Op.Income 375.00
2,080.00
1,964.00
2,704.00
2,576.00
3,177.00
3,725.00
3,809.00
3,717.00
3,471.00
3,750.00
growth rate 454.7% -5.6% 37.7% -4.7% 23.3% 17.3% 2.3% -2.4% -6.6% 8.0%
IBT 375.00
2,080.00
1,964.00
2,704.00
2,562.00
2,781.00
3,389.00
3,471.00
3,352.00
2,730.00
3,462.00
growth rate 454.7% -5.6% 37.7% -5.3% 8.6% 21.9% 2.4% -3.4% -18.6% 26.8%
Net Income 1,453.00
1,699.00
1,701.00
2,118.00
1,921.00
2,408.00
2,668.00
2,888.00
2,764.00
2,278.00
3,094.00
growth rate 16.9% 0.1% 24.5% -9.3% 25.4% 10.8% 8.3% -4.3% -17.6% 35.8%
EPS 1.55
1.72
1.70
2.11
1.89
2.30
2.54
2.76
2.66
2.17
2.99
growth rate 11.0% -1.2% 24.1% -10.4% 21.7% 10.4% 8.7% -3.6% -18.4% 37.8%
Gross Profit 5,849.00
5,333.00
5,401.00
5,307.00
5,829.00
6,766.00
7,937.00
8,760.00
9,104.00
8,827.00
9,490.00
growth rate -8.8% 1.3% -1.7% 9.8% 16.1% 17.3% 10.4% 3.9% -3.0% 7.5%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 1,046.00
950.00
842.00
888.00
591.00
growth rate -9.2% -11.4% 5.5% -33.5%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 5,214.00
5,299.00
4,442.00
6,259.00
5,940.00
growth rate 1.6% -16.2% 40.9% -5.1%
Acct.Payable 4,697.00
4,673.00
4,629.00
4,555.00
4,782.00
growth rate -0.5% -0.9% -1.6% 5.0%
Cur.Assets 115,444.00
115,247.00
118,955.00
122,522.00
126,401.00
growth rate -0.2% 3.2% 3.0% 3.2%
Total Assets 430,695.00
429,082.00
427,689.00
442,492.00
441,897.00
growth rate -0.4% -0.3% 3.5% -0.1%
Cash 3,794.00
3,882.00
3,829.00
4,481.00
3,835.00
growth rate 2.3% -1.4% 17.0% -14.4%
Cur.Liabilities 6,442.00
6,194.00
13,367.00
10,643.00
10,611.00
growth rate -3.9% 115.8% -20.4% -0.3%
Liabilities 404,075.00
402,458.00
400,291.00
415,092.00
416,942.00
growth rate -0.4% -0.5% 3.7% 0.5%
LT Debt 6,191.00
6,086.00
5,984.00
6,381.00
6,331.00
growth rate -1.7% -1.7% 6.6% -0.8%
Equity 20,989.00
21,004.00
21,809.00
21,809.00
19,360.00
growth rate 0.1% 3.8% 0.0% -11.2%
Common Shares 7,291.00
7,287.00
7,283.00
7,298.00
5,632.00
growth rate -0.1% -0.1% 0.2% -22.8%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends 418.00
418.00
417.00
441.00
417.00
growth rate 0.0% -0.2% 5.8% -5.4%
Cash From OA 1,159.00
2,611.00
1,565.00
809.00
2,739.00
growth rate 125.3% -40.1% -48.3% 238.6%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 10,613.00
12,031.00
11,699.00
16,897.00
2,757.00
growth rate 13.4% -2.8% 44.4% -83.7%
Op.Income 1,046.00
950.00
842.00
888.00
591.00
growth rate -9.2% -11.4% 5.5% -33.5%
IBT 1,035.00
814.00
772.00
811.00
553.00
growth rate -21.4% -5.2% 5.1% -31.8%
Net Income 864.00
723.00
743.00
690.00
493.00
growth rate -16.3% 2.8% -7.1% -28.6%
EPS
growth rate
Gross Profit 2,461.00
2,370.00
2,340.00
2,372.00
2,144.00
growth rate -3.7% -1.3% 1.4% -9.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (48.42)

YOY Growth Grade:

E (33.33)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.83 10.95 8.61
EPS / Growth 2.8% 2.58 6.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.8% 5.1% 5.1%
Future PE 5.60 9.85 9.85
Future EPS 3.40 4.22 4.22
Value Price
MOS %
4.70
-83.3%
10.28
-63.5%
10.28
-63.5%
MOS Price 2.35 5.14 5.14
IRT 9.45 8.57 8.57

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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