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MFC vs TFC

MFC
Manulife Financial Corporation
NEUTRAL
Price
$38.17
Market Cap
$63.83B
Sector
Financial Services
AI Confidence
85%
TFC
Truist Financial Corporation
BULLISH
Price
$49.43
Market Cap
$63.23B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MFC
16.96
TFC
12.94
Forward P/E
MFC
10.5
TFC
9.69
P/B Ratio
MFC
1.84
TFC
1.04
P/S Ratio
MFC
2.06
TFC
3.43
EV/EBITDA
MFC
6.6
TFC
--

Profitability

Gross Margin
MFC
49.3%
TFC
0.0%
Operating Margin
MFC
133.47%
TFC
32.7%
Profit Margin
MFC
18.67%
TFC
28.8%
ROE
MFC
11.49%
TFC
8.24%
ROA
MFC
0.54%
TFC
0.98%

Growth

Revenue Growth
MFC
-34.9%
TFC
3.2%
Earnings Growth
MFC
-6.1%
TFC
10.8%

Financial Health

Debt/Equity
MFC
0.48
TFC
--
Current Ratio
MFC
4.74
TFC
--
Quick Ratio
MFC
1.55
TFC
--

Dividends

Dividend Yield
MFC
3.44%
TFC
4.21%
Payout Ratio
MFC
57.33%
TFC
54.45%

AI Verdict

MFC NEUTRAL

MFC presents a complex profile with a stable Piotroski F-Score of 4/9 and no Altman Z-Score available for distress analysis. While the stock shows strong long-term price appreciation and a highly attractive PEG ratio (0.78), it is currently trading at a premium to both its Graham Number ($32.43) and Intrinsic Value ($15.75). The severe YoY revenue decline (-34.90%) is a significant concern, though it is offset by a massive Q/Q recovery (+103.98%) and a sustainable dividend profile.

Strengths
Attractive PEG ratio (0.78) suggesting undervaluation relative to growth
Strong liquidity position with a Current Ratio of 4.74
Low Debt/Equity ratio (0.48) compared to sector averages
Risks
Significant YoY revenue contraction of -34.90%
Current price ($38.17) exceeds the Graham Number and Analyst Target Price ($34.75)
Bearish technical trend score (10/100) despite recent short-term gains
TFC BULLISH

TFC presents a compelling value opportunity, trading significantly below its Graham Number ($64.06) and Intrinsic Value ($88.62). While the Piotroski F-Score of 4/9 indicates only stable financial health and technical trends are currently bearish, the fundamental valuation metrics (P/E of 12.94 and P/B of 1.04) are highly attractive. Strong year-over-year earnings growth of 23.1% and a sustainable 4.21% dividend yield provide a solid floor for investors. The disconnect between the deep value and the bearish insider/technical signals suggests a potential contrarian entry point.

Strengths
Significant discount to Graham Number and Intrinsic Value
Strong YoY earnings growth of 23.1%
Attractive dividend yield of 4.21% with a sustainable 54.45% payout ratio
Risks
Bearish insider sentiment with recent sales by the CFO and Directors
Technical trend is currently 0/100 (Bearish)
Slow top-line revenue growth (3.20% YoY)

Compare Another Pair

MFC vs TFC: Head-to-Head Comparison

This page compares Manulife Financial Corporation (MFC) and Truist Financial Corporation (TFC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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