Citizens vs Manulife Financial
Manulife Financial is the larger business, with $5.82bn of revenue in fiscal 2025 against $256m for Citizens (22.8 times as much). Manulife Financial grew faster (5.0% against 4.3%). Manulife Financial kept more of each dollar of sales as profit: a net margin of 68.5% against 5.7%. Citizens carries less debt relative to equity (0.0% against 15.3%).
| Latest fiscal year | CitizensCIA, 2025 | Manulife FinancialMFC, 2025 |
|---|---|---|
| Revenue | $256m | $5.82bn |
| Revenue growth | 4.3% | 5.0% |
| Net income | $14.6m | $3.99bn |
| Operating margin | — | — |
| Net margin | 5.7% | 68.5% |
| Return on equity | 6.6% | 11.1% |
| Free cash flow | $17.5m | — |
| Cash | $23.0m | $19.47bn |
| Total debt | $0 | $5.60bn |
| Debt to equity | 0.0% | 15.3% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $1.74bn |
| Employees | — | — |
| Market value | $193m | $76.65bn |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 8 buys, 0 sales | 0 buys, 0 sales |