Great-West Lifeco provides life insurance, health insurance, retirement products, asset management, recordkeeping services, and reinsurance products in Canada, the United States, and Europe. The Canada business contributes approximately 31% of adjusted earnings and has leading market positions in group insurance, group retirement, and individual insurance. The company operates the second-largest recordkeeping business under the Empower brand in the United States, with an earnings contribution from the country approximating 26%. Great-West Lifeco also offers various products across Europe markets with a strong presence in the UK, Ireland, and Germany. The Europe segment contributed around 21% of adjusted earnings and the reinsurance business accounts for around 22% of adjusted earnings.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.85
Equity-to-Asset	0.04
Debt-to-Equity	0.33
Debt-to-EBITDA	1.99
Interest Coverage	10.37
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-25.4
	3-Year EBITDA Growth Rate	1.4
	3-Year EPS without NRI Growth Rate	0.3
	3-Year FCF Growth Rate	-18.7
	3-Year Book Growth Rate	4

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	87.82
	9-Day RSI	70.75
	14-Day RSI	60.21
	6-1 Month Momentum %	7.22
	12-1 Month Momentum %	12.04

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.09
	Dividend Payout Ratio	0.57
	3-Year Dividend Growth Rate	5.9
	Forward Dividend Yield %	5.19
	5-Year Yield-on-Cost %	6.78
	3-Year Average Share Buyback Ratio	-0.2
	Shareholder Yield %	7.89

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	15.5
	FCF Margin %	25.26
	ROE %	12.19
	ROA %	0.46
	ROIC %	0.56
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.72
	Forward PE Ratio	9.71
	PE Ratio without NRI	11.38
	Shiller PE Ratio	12.49
	PEG Ratio	2.53
	PS Ratio	1.89
	PB Ratio	1.6
	Price-to-Tangible-Book	4.49
	Price-to-Free-Cash-Flow	7.48
	Price-to-Operating-Cash-Flow	7.48
	EV-to-EBIT	10.7
	EV-to-EBITDA	9.57
	EV-to-Revenue	2.08
	EV-to-Forward-Revenue	0.64
	EV-to-FCF	8.24
	Price-to-Graham-Number	1.51
	Earnings Yield (Greenblatt) %	9.35
	FCF Yield %	13.4
	Forward Rate of Return (Yacktman) %	8.27

GF Value: $12.86

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