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Manulife Financial Corp TSX: MFC NYSE MFC www.manulife.com Fiscal Yr: Dec 31
Year 12/31/05 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 Value Description #Y Item
Accounting Rules C GAAP IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
Assets under Management $371,454 $414,017 $396,344 $404,455 $439,617 $475,183 $499,652 $531,942 $598,933 $691,125 $935,176 $977,055 135.99% <-Total Growth 10 Assets under Management Mge Dis &
Increase 6.84% 11.46% -4.27% 2.05% 8.69% 8.09% 5.15% 6.46% 12.59% 15.39% 35.31% 4.48% 8.97% <-IRR #YR-> 10 Assets under Management Analysis
5 year Running Average $231,052 $286,155 $336,804 $386,789 $405,177 $425,923 $443,050 $470,170 $509,065 $559,367 $651,366 $746,846 14.35% <-IRR #YR-> 5 Assets under Management
Increase 27.81% 23.85% 17.70% 14.84% 4.75% 5.12% 4.02% 6.12% 8.27% 9.88% 16.45% 14.66% 10.07% <-IRR #YR-> 10 5 yr Running Average
Gen. Fund, Segregated, MF etc 11.01% <-IRR #YR-> 5 5 yr Running Average
-$414,017 $0 $0 $0 $0 $0 $0 $0 $0 $0 $977,055
-$499,652 $0 $0 $0 $0 $977,055
-$286,155 $0 $0 $0 $0 $0 $0 $0 $0 $0 $746,846
-$443,050 $0 $0 $0 $0 $746,846
Revenue* $32,047 $34,194 $35,533 $33,003 $40,107 $37,633 $50,983 $29,157 $36,289 $54,522 $34,430 $36,659 $60,090 $63,242 $67,827 7.21% <-Total Growth 10 Revenue
Increase 18.04% 6.70% 3.92% -7.12% 21.53% -6.17% 35.47% -42.81% 24.46% 50.24% -36.85% 6.47% 63.92% 5.25% 7.25% 0.70% <-IRR #YR-> 10 Revenue 7.21%
5 year Running Average $21,277 $25,286 $29,086 $32,385 $34,977 $36,094 $39,452 $38,177 $38,834 $41,717 $41,076 $38,211 $44,398 $49,789 $52,450 -6.38% <-IRR #YR-> 5 Revenue -28.10%
Revenue per Share $20.23 $22.10 $23.67 $20.50 $22.81 $21.17 $28.31 $15.95 $19.64 $29.25 $17.46 $18.56 $30.43 $32.02 $34.34 4.22% <-IRR #YR-> 10 5 yr Running Average 51.12%
Increase 20.42% 9.25% 7.10% -13.41% 11.29% -7.22% 33.74% -43.66% 23.11% 48.95% -40.31% 6.31% 63.92% 5.25% 7.25% -0.64% <-IRR #YR-> 5 5 yr Running Average -3.14%
5 year Running Average $17.49 $18.97 $20.13 $20.66 $21.86 $22.05 $23.29 $21.75 $21.58 $22.86 $22.12 $20.17 $23.07 $25.54 $26.56 -1.73% <-IRR #YR-> 10 Revenue per Share -16.02%
P/S (Price/Sales) Med 1.52 1.67 1.73 1.44 0.78 0.77 0.52 0.76 0.88 0.72 1.26 1.05 -8.09% <-IRR #YR-> 5 Revenue per Share -34.43%
P/S (Price/Sales) Close 1.69 1.78 1.71 1.01 0.85 0.81 0.38 0.85 1.07 0.76 1.19 1.29 0.82 0.78 0.72 0.62% <-IRR #YR-> 10 5 yr Running Average 6.33%
*Total Revenue in M CDN $  P/S Med 10 yr  0.83 5 yr  0.88 -1.76% Diff M/C -2.84% <-IRR #YR-> 5 5 yr Running Average -13.40%
-$34,194 $0 $0 $0 $0 $0 $0 $0 $0 $0 $36,659
-$50,983 $0 $0 $0 $0 $36,659
-$25,286 $0 $0 $0 $0 $0 $0 $0 $0 $0 $38,211
-$39,452 $0 $0 $0 $0 $38,211
-$22.10 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $18.56
-$28.31 $0.00 $0.00 $0.00 $0.00 $18.56
-$18.97 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $20.17
-$23.29 $0.00 $0.00 $0.00 $0.00 $20.17
EPS Basic $2.05 $2.53 $2.81 $0.32 $0.82 -$0.27 $0.02 $0.90 $1.63 $1.82 $1.06 $1.42 -43.87% <-Total Growth 10 EPS Basic
EPS Diluted* $2.04 $2.51 $2.78 $0.32 $0.82 -$0.27 $0.02 $0.88 $1.62 $1.80 $1.05 $1.41 $2.10 $2.37 $2.48 -43.82% <-Total Growth 10 EPS Diluted
Increase 12.43% 23.34% 10.76% -88.49% 156.25% -132.93% 107.41% 4300% 84.09% 11.11% -41.67% 34.29% 48.94% 12.86% 4.64% -5.60% <-IRR #YR-> 10 Earnings per Share -43.82%
Earnings Yield 6.0% 6.4% 6.9% 1.5% 4.2% -1.6% 0.2% 6.5% 7.7% 8.1% 5.1% 5.9% 8.5% 9.5% 10.0% 134.23% <-IRR #YR-> 5 Earnings per Share 6950.00%
5 year Running Average $1.63 $1.89 $2.16 $1.89 $1.69 $1.23 $0.73 $0.35 $0.61 $0.81 $1.07 $1.35 $1.60 $1.75 $1.88 -3.29% <-IRR #YR-> 10 5 yr Running Average -28.47%
10 year Running Average $1.21 $1.41 $1.61 $1.57 $1.57 $1.43 $1.31 $1.26 $1.25 $1.25 $1.15 $1.04 $0.98 $1.18 $1.35 12.99% <-IRR #YR-> 5 5 yr Running Average 84.20%
* Diluted ESP per share  E/P 10 Yrs 5.48% 5Yrs 6.51%
-$2.51 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.41
-$0.02 $0.00 $0.00 $0.00 $0.00 $1.41
-$1.89 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.35
-$0.73 $0.00 $0.00 $0.00 $0.00 $1.35
Estimates $0.81 $0.93 $0.83 Estimates
Estimates 9.46% 14.81% -10.75% Estimates
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 10 Special Dividends
Pre-split '06
Dividend* $0.58 $0.73 $0.88 $1.00 $0.78 $0.52 $0.52 $0.52 $0.52 $0.57 $0.68 $0.74 $0.82 $0.82 $0.82 2.07% <-Total Growth 10 Dividends
Increase 23.40% 25.00% 21.38% 13.64% -22.00% -33.33% 0.00% 0.00% 0.00% 9.62% 19.30% 8.82% 10.81% 0.00% 0.00% Count 18 Years of data
Dividends 5 Yr Running $0.41 $0.50 $0.61 $0.73 $0.79 $0.78 $0.74 $0.67 $0.57 $0.53 $0.56 $0.61 $0.67 $0.73 $0.78 21.20% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 1.88% 1.96% 2.14% 3.39% 4.40% 3.20% 3.54% 4.30% 3.00% 2.69% 3.10% 3.81% 3.32% 3.30% <-Median-> 10 Dividends
Yield on High  Price 1.67% 1.84% 1.99% 2.47% 2.97% 2.50% 2.71% 3.72% 2.47% 2.49% 2.83% 2.96% 3.22% 2.61% <-Median-> 10 Dividends
Yield on Low Price 2.16% 2.10% 2.32% 5.42% 8.48% 4.45% 5.07% 5.09% 3.80% 2.93% 3.42% 5.35% 3.43% 4.76% <-Median-> 10 Dividends
Yield on Close Price 1.70% 1.84% 2.17% 4.81% 4.04% 3.03% 4.79% 3.85% 2.48% 2.57% 3.28% 3.09% 3.30% 3.30% 3.30% 3.19% <-Median-> 10 Dividends
Payout Ratio EPS 28.50% 28.88% 31.65% 312.50% 95.12% -192.59% 2600.00% 59.09% 32.10% 31.67% 64.76% 52.48% 39.05% 34.60% 33.06% 55.79% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 24.91% 26.46% 28.36% 38.66% 46.84% 63.39% 100.82% 188.70% 93.16% 65.43% 52.33% 44.82% 41.73% 41.58% 41.23% 57.86% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS 11.21% 13.94% 17.68% 20.32% 11.41% 8.00% 10.03% 8.58% 9.90% 9.83% 12.98% 8.58% 13.76% 11.19% #DIV/0! 9.97% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 18.26% 13.07% 14.04% 15.33% 14.62% 13.73% 13.02% 11.32% 9.59% 9.20% 10.21% 9.78% 10.78% 11.02% #DIV/0! 12.17% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC 14.14% 13.91% 20.34% 18.80% 11.53% 8.64% 8.67% 7.86% 8.42% 9.57% 9.73% 7.73% 13.76% 11.19% #DIV/0! 9.12% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 23.11% 14.04% 15.37% 16.20% 15.41% 14.13% 13.02% 10.88% 9.06% 8.61% 8.86% 8.58% 9.61% 10.14% #DIV/0! 11.95% <-Median-> 10 DPR CF WC 5 Yr Running
Median Values 5 Yr Med 5 Yr Cl 3.10% 3.09% 5 Yr Med Payout 52.48% 9.83% 8.42% 0.20% <-IRR #YR-> 10 Dividends
* Dividends per share  5 Yr Med and Cur. 6.58% 6.71% Last Div Inc ---> $0.185 $0.205 10.8% 7.31% <-IRR #YR-> 5 Dividends
-$0.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.74
-$0.52 $0.00 $0.00 $0.00 $0.00 $0.74
Historical Dividends Historical High Div 5.73% Low Div 1.02% Ave Div 3.38% Med Div 2.47% Close Div 2.33% Historical Dividends
High/Ave/Median Values Curr diff Exp. -42.37%     223.77% Exp. -2.15% Cheap 33.70% Cheap 41.93% High/Ave/Median 
Future Dividend Yield Div Yd 5.08% earning in 5 Years at IRR of 9.00% Div Inc. 53.86% Future Dividend Yield
Future Dividend Yield Div Yd 7.82% earning in 10 Years at IRR of 9.00% Div Inc. 136.74% Future Dividend Yield Future Dividend Yield
Future Dividend Yield Div Yd 12.03% earning in 15 Years at IRR of 9.00% Div Inc. 264.25% Future Dividend Yield Future Dividend Yield
I am earning GC Div Gr 36.67% 5/1/05 # yrs -> 11 2005 $28.63 Cap Gain -13.27% I am earning GC
I am earning Div org yield 2.10% 12/31/14 Trading Div G Yrly 3.28% Div start $0.60 -2.10% 2.86% I am earning Div
I am earning GC Div Gr 17.14% 8/3/06 # yrs -> 10 2006 $36.13 Cap Gain -31.28% I am earning GC
I am earning Div org yield 1.94% 12/31/14 Pension Div G Yrly 1.90% Div start $0.70 -1.94% 2.27% I am earning Div
I am earning GC Div Gr 17.14% 7/10/06 # yrs -> 10 2006 $35.99 Cap Gain -31.01% I am earning GC
I am earning Div org yield 1.94% 12/31/14 RRSP Div G Yrly 1.88% Div start $0.70 -1.94% 2.28% I am earning Div
Yield if held 5 yrs 3.64% 3.42% 4.73% 5.15% 3.09% 1.69% 1.41% 1.27% 1.77% 3.21% 4.19% 5.03% 6.78% 4.73% 3.87% 3.15% <-Median-> 10 Paid Median Price
Yield if held 10 yrs 8.81% 3.27% 2.45% 2.79% 2.68% 2.26% 2.21% 2.00% 2.00% 2.78% 4.62% 2.57% <-Median-> 8 Paid Median Price
Yield if held 15 yrs 6.44% 4.27% 3.49% 4.40% 4.23% 3.25% 4.27% <-Median-> 3 Paid Median Price
Yield if held 20 yrs 9.27% #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 12.73% 11.80% 16.44% 18.84% 15.72% 12.68% 10.01% 8.13% 9.71% 14.93% 17.31% 20.61% 27.54% 20.92% 18.30% 15.33% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 63.50% 37.27% 29.26% 34.38% 33.58% 26.22% 21.81% 18.21% 16.24% 22.03% 36.80% 31.42% <-Median-> 8 Paid Median Price
Cost covered if held 15 years 93.45% 54.93% 43.56% 52.26% 52.29% 41.60% 54.93% <-Median-> 3 Paid Median Price
Cost covered if held 20 years 137.29% #NUM! <-Median-> 0 Paid Median Price
Graham Price $25.94 $30.14 $31.38 $10.94 $16.96 $16.20 $2.37 $15.77 $22.57 $25.82 $21.47 $24.79 $30.25 $32.14 $32.88 -17.74% <-Total Growth 10 Graham Price
Price/GP Ratio Med 1.19 1.23 1.31 2.69 1.05 1.00 6.22 0.77 0.77 0.82 1.02 0.78 0.82 1.01 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 1.34 1.31 1.41 3.70 1.55 1.28 8.10 0.89 0.93 0.89 1.12 1.01 0.84 1.20 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 1.03 1.14 1.21 1.69 0.54 0.72 4.33 0.65 0.61 0.75 0.93 0.56 0.79 0.74 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 1.32 1.31 1.29 1.90 1.14 1.06 4.59 0.86 0.93 0.86 0.97 0.96 0.79 0.77 0.76 1.01 <-Median-> 10 Price/GP Ratio
Prem/Disc Close 31.57% 30.58% 29.27% 90.15% 13.98% 5.86% 358.60% -14.32% -7.27% -14.10% -3.39% -3.55% -20.97% -22.74% -24.47% 1.24% <-Median-> 10 Graham Price
Pre-split '06 $68.27
Price Close $34.14 $39.35 $40.57 $20.80 $19.33 $17.15 $10.85 $13.51 $20.93 $22.18 $20.74 $23.91 $24.83 $24.83 $24.83 -39.24% <-Total Growth 10 Stock Price
Increase 23.23% 15.28% 3.10% -48.73% -7.07% -11.28% -36.73% 24.52% 54.92% 5.97% -6.49% 15.28% 3.85% 0.00% 0.00% -4.86% <-IRR #YR-> 10 Stock Price
P/E 16.77 15.68 14.59 65.00 23.57 -63.52 542.50 15.35 12.92 12.32 19.75 16.96 11.82 10.48 10.01 17.12% <-IRR #YR-> 5 Stock Price
Trailing P/E 18.86 19.34 16.16 7.48 60.41 20.91 -40.19 675.50 23.78 13.69 11.52 22.77 17.61 11.82 10.48 -2.74% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D.  per yr 2.12% 4.07% % Tot Ret -77.61% 19.19% Price Inc 15.28% P/E:  16.15 15.35 21.19% <-IRR #YR-> 5 Price & Dividend
-$39.35 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $23.91
-$10.85 $0.00 $0.00 $0.00 $0.00 $23.91
-$39.35 $0.88 $1.00 $0.78 $0.52 $0.52 $0.52 $0.52 $0.57 $0.68 $24.65
-$10.85 $0.52 $0.52 $0.57 $0.68 $24.65
Price Median H/L $30.79 $36.96 $41.07 $29.46 $17.75 $16.24 $14.71 $12.09 $17.35 $21.21 $21.95 $19.43 $24.70 -47.44% <-Total Growth 10 Stock Price
Increase 22.05% 20.04% 11.11% -28.26% -39.77% -8.51% -9.42% -17.78% 43.51% 22.22% 3.49% -11.48% 27.13% -6.23% <-IRR #YR-> 10 Stock Price
P/E 15.13 14.73 14.77 92.06 21.64 -60.13 735.25 13.74 10.71 11.78 20.90 13.78 11.76 5.73% <-IRR #YR-> 5 Stock Price
Trailing P/E 17.01 18.16 16.36 10.60 55.45 19.80 -54.46 604.50 19.72 13.09 12.19 18.50 17.51 -3.82% <-IRR #YR-> 10 Price & Dividend
P/E on Running 5 yr Average 18.94 19.56 19.03 15.58 10.48 13.18 20.03 34.15 28.26 26.18 20.43 14.37 15.47 9.37% <-IRR #YR-> 5 Price & Dividend
P/E on Running 10 yr Average 25.45 26.20 25.48 18.73 11.32 11.36 11.21 9.63 13.85 16.94 19.03 18.62 25.33 14.14 P/E Ratio Historical Median
Median 10, 5 Yrs D.  per yr 2.41% 3.65% % Tot Ret -63.14% 38.92% Price Inc 3.49% P/E:  14.27 13.74 Count 18 Years of data
-$36.96 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $19.43
-$14.71 $0.00 $0.00 $0.00 $0.00 $19.43
-$36.96 $0.88 $1.00 $0.78 $0.52 $0.52 $0.52 $0.52 $0.57 $0.68 $20.17
-$14.71 $0.52 $0.52 $0.57 $0.68 $20.17
High Months Dec Dec Oct Apr Jul  Jan  Feb Mar Dec Dec Jun Dec Jan
Pre-split '06 $69.47
Price High $34.74 $39.46 $44.19 $40.48 $26.29 $20.79 $19.16 $13.96 $21.03 $22.93 $24.00 $25.01 $25.48 -36.62% <-Total Growth 10 Stock Price
Increase 17.35% 13.60% 11.99% -8.40% -35.05% -20.92% -7.84% -27.14% 50.64% 9.03% 4.67% 4.21% 1.88% -4.46% <-IRR #YR-> 10 Stock Price
P/E 17.07 15.72 15.90 126.50 32.06 -77.00 958.00 15.86 12.98 12.74 22.86 17.74 12.13 5.47% <-IRR #YR-> 5 Stock Price
Trailing P/E 19.19 19.39 17.61 14.56 82.16 25.35 -70.96 698.00 23.90 14.15 13.33 23.82 18.07 16.31 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 4.67% P/E:  16.82 15.86 24.70 P/E Ratio Historical High
-$39.46 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $25.01
-$19.16 $0.00 $0.00 $0.00 $0.00 $25.01
Low Months Jan Jun Aug Nov Mar Aug Dec Jul Jan Oct Jan Feb Jan
Pre-split '06 $53.69
Price Low $26.85 $34.46 $37.94 $18.44 $9.20 $11.68 $10.25 $10.22 $13.67 $19.48 $19.89 $13.84 $23.91 -59.84% <-Total Growth 10 Stock Price
Increase 28.72% 28.37% 10.10% -51.40% -50.11% 26.96% -12.24% -0.29% 33.76% 42.50% 2.10% -30.42% 72.76% -8.72% <-IRR #YR-> 10 Stock Price
P/E 13.19 13.73 13.65 57.63 11.22 -43.26 512.50 11.61 8.44 10.82 18.94 9.82 11.39 6.19% <-IRR #YR-> 5 Stock Price
Trailing P/E 14.83 16.93 15.12 6.63 28.75 14.24 -37.96 511.00 15.53 12.02 11.05 13.18 16.96 11.37 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 2.10% P/E:  11.42 10.82 9.36 P/E Ratio Historical Low
-$34.46 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $13.84
-$10.25 $0.00 $0.00 $0.00 $0.00 $13.84
Cotract Liabilities $347,684 $318,699 Cotract  Liabilities Debt
Change -8.34% Change
Debt/Market Cap Ratio 8.50 6.75 7.62 <-Median-> 2 Debt/Market Cap Ratio
Goodwill & Intangibles $5,442 $5,113 $5,298 $5,461 $9,384 $10,107 Intangibles Goodwill
Change -6.05% 3.62% 3.08% 71.84% 7.70% Change
Intangible/Market Cap Ratio 0.28 0.21 0.14 0.13 0.23 0.21 0.21 <-Median-> 6 Intangible/Market Cap Ratio
Market Cap $54,070 $60,874 $60,896 $33,488 $33,982 $30,493 $19,541 $24,696 $38,679 $41,344 $40,899 $47,222 $49,039 $49,039 $49,039 -22.43% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 1,612 1,579 1,537 1,512 1,631 1,765 1,789 1,888 1,862 1,881 1,977 1,977 25.21% <-Total Growth 10 Diluted
Change 14.49% -2.05% -2.66% -1.63% 7.87% 8.22% 1.36% 5.53% -1.38% 1.02% 5.10% 0.00% 1.19% <-Median-> 10 Change
Average # of Shares in Million 1,597 1,563 1,522 1,502 1,626 1,765 1,786 1,812 1,836 1,857 1,962 1,973 26.23% <-Total Growth 10 Average
Change 14.40% -2.13% -2.62% -1.31% 8.26% 8.55% 1.19% 1.46% 1.32% 1.14% 5.65% 0.56% 1.26% <-Median-> 10 Change
Difference -0.8% -1.0% -1.4% 7.2% 8.1% 0.7% 0.8% 0.9% 0.7% 0.4% 0.5% 0.1% 0.70% <-Median-> 10 Difference
# of Share in Millions 1,584 1,547 1,501 1,610 1,758 1,778 1,801 1,828 1,848 1,864 1,972 1,975 1,975 1,975 1,975 2.47% <-IRR #YR-> 10 Shares
Change -1.98% -2.34% -2.97% 7.26% 9.19% 1.14% 1.29% 1.50% 1.09% 0.87% 5.79% 0.15% 0.00% 0.00% 0.00% 1.86% <-IRR #YR-> 5 Shares
CF fr Op $M $8,199 $8,046 $7,471 $7,922 $12,022 $11,562 $9,333 $11,080 $9,708 $10,806 $10,334 $17,036 $11,771 $14,477 111.73% <-Total Growth 10 Cash Flow
Increase 42.52% -1.87% -7.15% 6.04% 51.75% -3.83% -19.28% 18.72% -12.38% 11.31% -4.37% 64.85% -30.91% 22.99% SO DRIP S. Iss; Buy Backs
5 year Running Average $3,203 $5,359 $6,425 $7,478 $8,732 $9,405 $9,662 $10,384 $10,741 $10,498 $10,252 $11,793 $11,931 $12,885 120.06% <-Total Growth 10 CF 5 Yr Running
CFPS $5.18 $5.20 $4.98 $4.92 $6.84 $6.50 $5.18 $6.06 $5.25 $5.80 $5.24 $8.63 $5.96 $7.33 65.85% <-Total Growth 10 Cash Flow per Share
Increase 45.40% 0.48% -4.30% -1.14% 38.98% -4.91% -20.31% 16.97% -13.33% 10.35% -9.61% 64.60% -30.91% 22.99% 7.79% <-IRR #YR-> 10 Cash Flow 111.73%
5 year Running Average $2.22 $3.82 $4.36 $4.77 $5.42 $5.69 $5.68 $5.90 $5.97 $5.76 $5.51 $6.20 $6.18 $6.59 12.79% <-IRR #YR-> 5 Cash Flow 82.54%
P/CF on Med Price 5.95 7.11 8.25 5.99 2.59 2.50 2.84 1.99 3.30 3.66 4.19 2.25 4.14 0.00 5.19% <-IRR #YR-> 10 Cash Flow per Share 65.85%
P/CF on Closing Price 6.59 7.57 8.15 4.23 2.83 2.64 2.09 2.23 3.98 3.83 3.96 2.77 4.17 3.39 10.73% <-IRR #YR-> 5 Cash Flow per Share 66.45%
35.70% Diff M/C 4.94% <-IRR #YR-> 10 CFPS 5 yr Running 62.00%
Excl.Working Capital CF -$1,701 $19 -$976 $641 -$134 -$866 $1,464 $1,011 $1,710 $298 $3,441 $1,862 $0 $0 1.74% <-IRR #YR-> 5 CFPS 5 yr Running 9.00%
CF fr Op $M WC $6,498 $8,065 $6,495 $8,563 $11,888 $10,696 $10,797 $12,091 $11,418 $11,104 $13,775 $18,898 $11,771 $14,477 134.32% <-Total Growth 10 Cash Flow less WC
Increase 11.86% 24.12% -19.47% 31.84% 38.83% -10.03% 0.94% 11.98% -5.57% -2.75% 24.05% 37.19% -37.71% 22.99% 8.89% <-IRR #YR-> 10 Cash Flow less WC 134.32%
5 year Running Average $2,629 $4,981 $5,866 $7,086 $8,302 $9,141 $9,688 $10,807 $11,378 $11,221 $11,837 $13,457 $13,393 $14,005 11.85% <-IRR #YR-> 5 Cash Flow less WC 75.03%
CFPS Excl. WC $4.10 $5.21 $4.33 $5.32 $6.76 $6.02 $6.00 $6.61 $6.18 $5.96 $6.99 $9.57 $5.96 $7.33 10.45% <-IRR #YR-> 10 CF less WC 5 Yr Run 170.16%
Increase 14.12% 27.08% -17.00% 22.91% 27.14% -11.04% -0.34% 10.33% -6.59% -3.58% 17.26% 36.98% -37.71% 22.99% 6.79% <-IRR #YR-> 5 CF less WC 5 Yr Run 38.91%
5 year Running Average $1.75 $3.56 $3.98 $4.51 $5.14 $5.53 $5.68 $6.14 $6.31 $6.15 $6.35 $7.06 $6.93 $7.16 6.26% <-IRR #YR-> 10 CFPS - Less WC 83.54%
P/CF on Med Price 7.51 7.09 9.49 5.54 2.62 2.70 2.45 1.83 2.81 3.56 3.14 2.03 4.14 0.00 9.80% <-IRR #YR-> 5 CFPS - Less WC 59.61%
P/CF on Closing Price 8.32 7.55 9.38 3.91 2.86 2.85 1.81 2.04 3.39 3.72 2.97 2.50 4.17 3.39 7.08% <-IRR #YR-> 10 CFPS 5 yr Running 98.20%
*Operational Cash Flow per share CF/-WC P/CF Med 10 yr 3.07 5 yr  3.30 P/CF Med 10 yr 2.75 5 yr  2.81 51.31% Diff M/C 4.43% <-IRR #YR-> 5 CFPS 5 yr Running 24.23%
-$5.18 $0.00 $0.00 $0.00 $0.00 $8.63 Cash Flow per Share
-$3.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.20 CFPS 5 yr Running
-$5.68 $0.00 $0.00 $0.00 $0.00 $6.20 CFPS 5 yr Running
-$8,065 $0 $0 $0 $0 $0 $0 $0 $0 $0 $18,898 Cash Flow less WC
-$10,797 $0 $0 $0 $0 $18,898 Cash Flow less WC
-$4,981 $0 $0 $0 $0 $0 $0 $0 $0 $0 $13,457 CF less WC 5 Yr Run
-$9,688 $0 $0 $0 $0 $13,457 CF less WC 5 Yr Run
-$5.21 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $9.57 CFPS - Less WC
-$6.00 $0.00 $0.00 $0.00 $0.00 $9.57 CFPS - Less WC
-$3.56 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.06 CFPS 5 yr Running
-$5.68 $0.00 $0.00 $0.00 $0.00 $7.06 CFPS 5 yr Running
Decrease in reinsurance assets $1,526 $506 $1,391 -$842
Cash decrease due to Closed Block reinsurance transaction (note 3) -$2,023 $0
Changes in policy related and operating receivables and payables -$3,226 -$804 -$2,809 -$1,020
       
Sum -$1,700 -$298 -$3,441 -$1,862
Google -$298 -$3,441 -$1,862
Difference $0 $0 $0
OPM 25.58% 23.53% 21.03% 24.00% 29.97% 30.72% 18.31% 38.00% 26.75% 19.82% 30.01% 46.47% 121.02% <-Total Growth 10 OPM
Increase 20.74% -8.03% -10.65% 14.17% 24.87% 2.50% -40.42% 107.59% -29.60% -25.91% 51.44% 54.83% should be zero, it is a check on calculations
Diff from Median -9.8% -17.0% -25.9% -15.4% 5.7% 8.3% -35.5% 34.0% -5.7% -30.1% 5.8% 63.8% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 28.36% 5 Yrs 30.01% Should increase or be stable.
Current Assets $10,901 $12,354 $17,269 $21,132 $14,083 $15,058 $16,295 $16,177 $23,819 $21,038 $18,256 Liq ratio of 1.5 and up, best Assets
Current Liability $10,705 $12,093 $14,088 $16,026 $7,936 $6,560 $2,232 $2,547 $15,593 $16,187 $16,955 1.42 <-Median-> 10 Liabilities
Liquidity 1.02 1.02 1.23 1.32 1.77 2.30 7.30 6.35 1.53 1.30 1.08 1.53 <-Median-> 5 Ratio
Liq. with CF aft div 1.67 1.53 1.67 1.98 3.11 3.58 11.84 9.79 2.15 1.86 2.00
Liq. CF re  Inv+Div  1.46 1.50 1.11 1.23 0.87 1.49 2.00 1.90 1.71 1.00 0.85
From Google Finance and G&M site
Assets $222,171 $359,106 $352,002 $376,405 $396,881 $417,729 $462,102 $486,056 $513,628 $579,480 $704,643 $720,681 Debt Ratio of 1.5 and up, best Assets
Liability $198,197 $333,248 $327,521 $345,059 $367,772 $390,602 $437,223 $459,960 $484,595 $545,480 $662,705 $677,858 1.06 <-Median-> 10 Liabilities
Debt Ratio 1.12 1.08 1.07 1.09 1.08 1.07 1.06 1.06 1.06 1.06 1.06 1.06 1.06 <-Median-> 5 Ratio
Liab. For Preferred etc $2,456 $2,572 $3,010 $3,674 $4,581 $4,412 $4,412 $3,501 $4,385 $4,526 $4,526 $4,526 Included in above Liabilities
Total Equity $23,974 $25,858 $24,481 $31,346 $29,109 $27,127 $24,879 $26,096 $29,033 $34,000 $41,938 $42,823 65.61% <-Total Growth 10 Book Value
NCI $187 $202 $146 $3,891 $202 $254 $415 $501 $376 $464 $592 $743 267.82% <-Total Growth 10 Non Cont. Int.
Equity  $23,787 $25,656 $24,335 $27,455 $28,907 $26,873 $24,464 $25,595 $28,657 $33,536 $41,346 $42,080 64.02% <-Total Growth 10 Equity 
Preferred Shares $344 $638 $638 $638 $1,422 $1,422 $1,813 $2,497 $2,693 $2,693 $2,693 $3,577
Participating. Policyholders $157 $142 $62 $62 $80 $159 $249 $146 $134 $156 $187 $248
Book Value $23,286 $24,876 $23,635 $26,755 $27,405 $25,292 $22,402 $22,952 $25,830 $30,687 $38,466 $38,255 $38,255 $38,255 $38,255 53.78% <-Total Growth 10 Book Value
Book Value per Share $14.70 $16.08 $15.75 $16.62 $15.59 $14.22 $12.44 $12.56 $13.98 $16.46 $19.51 $19.37 $19.37 $19.37 $19.37 20.46% <-Total Growth 10 Book Value per Share
Change 3.51% 9.38% -2.08% 5.54% -6.19% -8.75% -12.56% 0.94% 11.32% 17.78% 18.48% -0.70% 0.00% 0.00% 0.00% -16.24% P/B Ratio Current/Historical Median
P/B Ratio (Median) 2.09 2.30 2.61 1.77 1.14 1.14 1.18 0.96 1.24 1.29 1.13 1.00 1.53 P/B Ratio Historical Median
P/B Ratio (Close) 2.32 2.45 2.58 1.25 1.24 1.21 0.87 1.08 1.50 1.35 1.06 1.23 1.28 1.28 1.28 1.88% <-IRR #YR-> 10 Book Value per Share 20.46%
Change 19.05% 5.39% 5.29% -51.42% -0.93% -2.77% -27.65% 23.35% 39.17% -10.03% -21.08% 16.10% 3.85% 0.00% 0.00% 9.26% <-IRR #YR-> 5 Book Value per Share 55.72%
Leverage (A/BK) 9.27 13.89 14.38 12.01 13.63 15.40 18.57 18.63 17.69 17.04 16.80 16.83 16.82 <-Median-> 10 A/BV
Debt/Equity Ratio 8.27 12.89 13.38 11.01 12.63 14.40 17.57 17.63 16.69 16.04 15.80 15.83 15.82 <-Median-> 10 Debt/Eq Ratio
Median P/BV 10 yr Med 1.16 5 yr Med 1.13 10.34% Diff M/C
-$16.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $19.37
-$12.44 $0.00 $0.00 $0.00 $0.00 $19.37
Comprehensive Income $522 $1,219 $4,395 $5,717 $7,115 $1,486
NCI $22 $51 $47 $74 $67 $141
Particpating $89 -$103 -$12 $22 $31 $61
Shareholders $206 $657 $3 -$566 -$1,449 $411 $1,271 $4,360 $5,621 $7,017 $1,284 523.30% <-Total Growth 10 Comprehensive Income
Increase 218.93% -99.58% -20394% -156.01% 128.36% 209.25% 243.04% 28.92% 24.84% -81.70% 28.92% <-Median-> 5 Comprehensive Income
5 Yr Running Average -$230 -$189 -$66 $805 $2,043 $3,736 $3,911 20.08% <-IRR #YR-> 10 Comprehensive Income 523.30%
ROE 0.8% 2.8% 0.0% -2.1% -5.7% 1.8% 5.5% 16.9% 18.3% 18.2% 3.4% 25.59% <-IRR #YR-> 5 Comprehensive Income 212.41%
5Yr Median 0.0% 0.0% 0.0% 1.8% 5.5% 16.9% 16.9% #NUM! <-IRR #YR-> 6 5 Yr Running Average 1801.43%
% Difference from NI -94.8% -84.6% -99.4% -142.3% 208.3% 834.1% -21.7% 45.4% 66.5% 238.2% -54.1% #NUM! <-IRR #YR-> 5 5 Yr Running Average 2170.83%
Median Values Diff 5, 10 yr 11.8% 45.4% 16.9% <-Median-> 5 Return on Equity
-$206 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,284
-$411 $0 $0 $0 $0 $1,284
$229.8 $0.0 $0.0 $0.0 $0.0 $0.0 $3,910.6
$188.8 $0.0 $0.0 $0.0 $0.0 $3,910.6
Current Liability Coverage Ratio 0.75 0.62 0.56 0.75 1.46 1.42 4.96 3.81 0.69 0.64 1.00   CFO / Current Liabilities
5 year Median 0.75 0.75 1.42 1.46 1.46 1.42 1.00 87.7% <-Median-> 10 Current Liability Cov Ratio
Asset Efficiency Ratio 0.02 0.02 0.02 0.03 0.03 0.02 0.02 0.02 0.02 0.01 0.02 CFO / Total Assets
5 year Median 0.02 0.02 0.02 0.02 0.02 0.02 0.02 2.1% <-Median-> 10 Return on Assets 
Return on Assets ROA 1.5% 1.1% 1.2% 0.1% 0.3% -0.1% 0.0% 0.3% 0.6% 0.6% 0.3% 0.4% Net  Income/Assets Return on Assets
5Yr Median 1.0% 1.0% 1.1% 1.1% 1.1% 0.3% 0.1% 0.1% 0.3% 0.3% 0.3% 0.4% 0.3% <-Median-> 10 Asset Efficiency Ratio
Return on Equity ROE 14.1% 15.9% 18.1% 1.8% 4.9% -1.9% 0.2% 7.1% 11.6% 11.0% 5.4% 7.3% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 14.2% 15.8% 15.9% 14.1% 14.1% 4.9% 1.8% 1.8% 4.9% 7.1% 7.1% 7.3% 6.2% <-Median-> 10 Return on Equity
Net Income $3,291 $3,970 $4,229 $497 $1,420 -$312 $245 $1,692 $3,166 $3,593 $2,290 $3,133 -21.08% <-Total Growth 10 Net Income
NCI $27 $59 $48 $71 $69 $143 NCI
Participating -$3 -$15 -$73 -$20 $18 $79 $89 -$103 -$12 $21 $30 $61 506.67% <-Total Growth 10 Participating
Preferred $14 $30 $30 $30 $64 $79 $85 $112 $131 $126 $116 $133 343.33% <-Total Growth 10 Preferred
Shareholders $3,280 $3,955 $4,272 $487 $1,338 -$470 $44 $1,624 $2,999 $3,375 $2,075 $2,796 $4,151 $4,692 $5,183 -29.30% <-Total Growth 10 Shareholders
Increase 28.63% 20.58% 8.02% -88.60% 174.74% -135.13% -109.36% 3590.91% 84.67% 12.54% -38.52% 34.75% 48.46% 13.03% 10.46% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $1,981 $2,539 $3,119 $2,909 $2,666 $1,916 $1,134 $605 $1,107 $1,514 $2,023 $2,574 $3,079 $3,418 $3,779 -3.41% <-IRR #YR-> 10 Net Income -29.30%
Operating Cash Flow $8,199 $8,046 $7,471 $7,922 $12,022 $11,562 $9,333 $11,080 $9,708 $10,806 $10,334 $17,036 129.41% <-IRR #YR-> 5 Net Income 6254.55%
Investment Cash Flow -$1,465 -$1,465 -$241 -$7,206 -$9,806 -$20,456 -$9,222 -$10,994 -$10,547 -$4,066 -$13,865 -$22,739 0.14% <-IRR #YR-> 10 5 Yr Running Average 1.38%
Total Accruals -$3,454 -$2,626 -$2,958 -$229 -$878 $8,424 -$67 $1,538 $3,838 -$3,365 $5,606 $8,499 17.81% <-IRR #YR-> 5 5 Yr Running Average 126.93%
Total Assets $222,171 $359,106 $352,002 $376,405 $396,881 $417,729 $462,102 $486,056 $513,628 $579,480 $704,643 $720,681 Balance Sheet Assets
Accruals Ratio -1.55% -0.73% -0.84% -0.06% -0.22% 2.02% -0.01% 0.32% 0.75% -0.58% 0.80% 1.18% 0.75% <-Median-> 5 Ratio
EPS/CF Ratio 0.50 0.48 0.64 0.06 0.12 -0.04 0.00 0.13 0.26 0.30 0.15 0.15 0.14 <-Median-> 10 EPS/CF Ratio
-$3,955 $0 $0 $0 $0 $0 $0 $0 $0 $0 $2,796
-$44 $0 $0 $0 $0 $2,796
-$2,539 $0 $0 $0 $0 $0 $0 $0 $0 $0 $2,574
-$1,134 $0 $0 $0 $0 $2,574
Change in Close 23.23% 15.28% 3.10% -48.73% -7.07% -11.28% -36.73% 24.52% 54.92% 5.97% -6.49% 15.28% 3.85% 0.00% 0.00% Count 19 Years of data
up/down Count 0 0.00%
Meet Prediction? % right Count 0 #DIV/0!
Financial Cash Flow -$5,808 -$4,005 -$4,583 $2,070 $1,183 $2,242 $655 $706 $493 $21 -$2,006 $3,286 C F Statement  Financial CF
Total Accruals $2,354 $1,379 $1,625 -$2,299 -$2,061 $6,182 -$722 $832 $3,345 -$3,386 $7,612 $5,213 Accruals
Accruals Ratio 1.06% 0.38% 0.46% -0.61% -0.52% 1.48% -0.16% 0.17% 0.65% -0.58% 1.08% 0.72% 0.65% <-Median-> 5 Ratio
Cash $8,262 $10,331 $11,866 $16,790 $18,255 $11,264 $12,280 $12,851 $12,886 $20,437 $17,002 $14,238 Cash
Cash per Share $5.22 $6.68 $7.91 $10.43 $10.38 $6.34 $6.82 $7.03 $6.97 $10.96 $8.62 $7.21 $7.21 <-Median-> 5 Cash per Share
Percentage of Stock Price 15.28% 16.97% 19.49% 50.14% 53.72% 36.94% 62.84% 52.04% 33.32% 49.43% 41.57% 30.15% 41.57% <-Median-> 5 % of Stock Price
Article on this stock dated in February 15, 2017.
http://www.dividendearner.com/dividend-stock-tse-mfc/
Notes:
February 18, 2017.  Last estimates were for 2016, 2017 and 2018 of $48097M, $53541M and $57568M for Revenue, $1.84, $2.11 and $2.37 for EPS, 
$1.47 and $1.84 for CFPS for 2016 and 2017, $3556, $4142 and $4690 for Net Income.
April 4, 2015.  Last estimates were for 2015, 2016 and 2017 of $46915M, $49796M, and $54656M for Revenue, $1.80, $2.05 and $2.30 for EPS, $1.47 and $1.48 for CFPS for 2015 and 2016 
and $3591M, $4116M and $4636M for Net Income.
April 12, 2015.  Last estimates were for 2014, 2015 and 2016 of $38453M, $40822M and $38979M for Revenue, $1.66, $1.89 and $2.12 for EPS and $3045M, $3540 and $3882M for Net Income
April 19, 2014.  Last estimates were for 2013, 2014 and 2015 of $39176M, $41180M and $39730M for Revenue, $1.29, $1.44 and $1.74 for EPS.
Apri 21, 2013.  Last Estimates were for  2012 and 2013 of $39684 and $41197 for Revenue, $0.88 and f$1.24 (and $1.41) for EPS.
April 3, 2013.  Last estimates were for 2012 and 2013 of $39684M and $41197M for earnings $1.28 and $1.48 (and $1.68) for EPS. Bought some more stock for RRSP.
Mar 25, 2012.  Last estimates were for 2011 and 2012 at $44151M and $47647M for revenue, $1.58 and $1.72 for EPS.
May 15, 2011.  Last I looked I got estimates for 2010 and 2011 of $-1.26 and $1.74 for earnings.  Company did better in earnings than expected, but 2011 estimates were still lowered.  
I have redone the Asset/Liability section and cash flow sections.  I was trying to be consistent in what figures I used.  I notice that G&M was not consistent in some of their accounting, so I reviewed 
all past financial statements to be consistent.  For the first quarter of 2011, only partial financials were issued.
Apr 11, 2010.  When I last looked at this stock, I got 2009 and 2010 earnings of $1.01 and $2.16.
Nov 22, 2009, when I reviewed this stock in Aug I got earnings for 2009 and 2010 of $1.25 and $2.50.  Both these earnings estimates have been down graded.  More stock has been issued lately 
and this is probably the cause.
Aug 7, 2009.  When I last reviewed this stock in April 2009, I got earnings of $1.90 and $2.80 for 2009 and 2010.
Aug 6, 2009.  This company has announced a 50% cut in dividends.  This will affect the last two dividends for this year. Stock price in April was $19.22.  It has gone down 14% today, but this puts it at 
$22.60, and still higher than April 2009.  Many feel that the company has done the responsible thing to conserve cash.
April 2009 AP 2008. When I last looked at this stock in May 2008, I got estimates for earnings of $3.08.  The Earnings came in at $.32.  If earnings were better, the growth would be ok, not great.
AP 2007.  I hav e done well, but not excellent on this stock at 11% IRR overall. I see no negatives. 
AR 2006.  TD still has a buy rating on this stock.  It has done well for me.  Revenue and EPS up nicely.  I see no problems.  It is a keeper.
AR 2005. Bought in 2005, made 32% IRR.  Not bad!  TD still has a buy rating on it.
AR 2004.  I have bought this stock.  2005.  Looks like it might be good.  Anayst like it.   
Demutualized Sep 23, 1999 (Changed close of 1999 and 2002 because of MFC's site's closing prices.)
Sector:
Insurance, Financial Services
What should this stock accomplish?
This company has a very high level of earnings volatility because Manulife invests a huge base of assets on a very long-term basis.
While this long-term orientation is very beneficial for optimizing returns, their investments are marked to market on a quarterly basis which can create serious swings in the businesses’ net income.
This company should return good dividend and capital growth in the longer term.
Would I buy this company and Why.
I still have hope this will turn out to be a good dividend growth stock.
Dividends
Dividends are paid quarterly in Cycle 3, which is March, June, September and December.  Dividends are paid near the end of the month. Diviends are declared in one month and paid in the next month.
For example, the dividend declared on February 6, 2013 was for shareholders of record of February 20, 2013 and was payable on March 19, 2013.
Why I bought this stock.
In May 2005, I was look for good companies to buy at a reasonable price.  This stock met my criteria. 
I bought some more stock in October 2005.   I had some more money to spend and wanted to buy stock of dividend paying company I owned, for which I did not own too much. 
In April 2009, I was looking for something else to buy and Manulife was at a good price. 
In April 2013, I need to buy higher dividend stocks for my RRIF account.  There was some money after RRSP sells, so I bought more MFC.  
How they make their money
This is a life insurance company in the financial services business.  It offers financial protection products (e.g. Life Insurance) and wealth management services (i.e. segregated funds, mutual funds
and pension products). They sell products to individuals and business.
They are an international company, selling in Canada, US and Asia.  This company is listed on Canadian, US, Hong Kong and Philippines Stock Exchanges.
For most ratios, lower is better when looking for a good stock price.  However, there are exceptions such as for yield and asset/liability ratios and here you want a higher ratios to indicate a good stock price.  
Also, for the Operational Profit Margin, a higher percentage is better.  With the OPM, you should only compare companies in similar industries.
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M
Date May 22 2013 Apr 19 2014 Apr 12 2015 Apr 02 2016 Feb 18 2017
Guloien, Donald A. 0.124 0.01% 0.124 0.01% 0.124 0.01% 0.124 0.01% 0.124 0.01%
CEO - Shares - Amount $2.744 $2.566 $2.232 $3.072 $3.072
Options - percentage 5.616 0.30% 5.872 0.30% 6.720 0.01% 7.809 0.40% 7.686 0.39%
Options - amount $124.563 $121.779 $2.232 $193.887 $190.832
Reuters Options Value 1.037 $15.054
Roder, Stephen Bernard 0.000 0.00% 0.000 0.00% 0.000 0.01% 0.000 0.00% 0.000 0.00%
CFO - Shares - Amount $0.000 $0.000 $2.232 $0.000 $0.000
Options - percentage 0.639 0.03% 0.988 0.05% 1.593 0.01% 2.072 0.10% 2.128 0.11%
Options - amount $14.167 $20.488 $2.232 $51.457 $52.834
Forbes, Cindy L. 0.000 0.00% 0.000 0.00% 0.000 0.00%
Officer - Shares - Amount $0.000 $0.000 $0.000
Options - percentage 0.560 0.03% 0.597 0.03% 0.582 0.03%
Options - amount $13.398 $14.813 $14.458
Bisnaire, Jean-Paul Raymond 0.002 0.00%
Officer - Shares - Amount $0.046
Options - percentage 1.667 0.08%
Options - amount $34.579
Reuters Options Value 0.262 $2.010
Brunet, Rick 0.003 0.00%
Officer - Shares - Amount $0.067
Options - percentage 0.285 0.02%
Options - amount $6.330
Caron, Joseph Peter 0.005 0.00% 0.005 0.00% 0.007 0.00% 0.009 0.00%
Director - Shares - Amount $0.099 $0.114 $0.185 $0.219
Options - percentage 0.021 0.00% 0.025 0.00% 0.040 0.00% 0.036 0.00%
Options - amount $0.431 $0.604 $0.986 $0.889
Cook-Bennett, Gail 0.025 0.00%
Director - Shares - Amount $0.555
Options - percentage 0.050 0.00%
Options - amount $1.115
DeWolfe, Richard B. 0.014 0.00% 0.014 0.00% 0.014 0.00% 0.014 0.00%
Chairman - Shares - Amt $0.290 $0.335 $0.348 $0.348
Options - percentage 0.094 0.00% 0.104 0.01% 0.120 0.01% 0.135 0.01%
Options - amount $1.955 $2.477 $2.976 $3.346
Increase in O/S Shares 0.000 0.00% 1.000 0.05% 3.000 0.16% 2.000 0.10% 3.000 0.15% Yes, 0 in 2012
due to SO  $0 $20.930 $66.540 $41.480 $74.490
Book Value $0 $17.000 $43.000 $37.000 $66.000
Insider Buying $0.000 -$1.906 -$0.253
Insider Selling $2.297 $11.138 $18.892
Net Insider Selling $5.974 $2.297 $9.232 $18.639
% of Market Cap 0.01% 0.01% 0.02% 0.04%
Directors 16 16 15 15 15
Women 5 31% 3 19% 4 27% 4 27% 5 33%
Minorities 1 6% 1 6% 1 7% 1 7% 1 7%
Institutions/Holdings 468 54.00% 490 51.40% 543 51.44% 583 57.08% 617 55.81%
Total Shares Held 989.803 53.10% 950.434 48.20% 1,013.369 51.31% 1,125.667 57.00% 1,102.504 55.82%
Increase/Decrease -2.242 -0.23% 1.447 0.15% -0.235 -0.02% -41.028 -3.52% 16.698 1.54%
Starting No. of Shares 992.045 948.987 1,013.604 1,166.696 1,085.806
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