)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Manulife Financial
Manulife Financial (MFC) investor relations material
Manulife Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Record 3Q26 core earnings rose 4% YoY to C$2.125B and core EPS increased 6% to C$1.24; core ROE was 17.8%.
Net income attributable to shareholders fell to C$1.424B from C$1.799B amid unfavourable market experience; CSM was C$27.3B, up 6% from year-end.
APE sales were flat YoY at C$2.6B; Global WAM average AUMA grew 11% to C$1.198T, while net outflows were C$3.6B.
Financial highlights
Core net insurance service result increased to C$1.212B from C$1.039B; core net investment result declined to C$887M from C$950M.
Items excluded from core earnings were C$701M; net income included C$388M of market experience losses, including ALDA and public-equity returns, derivatives, hedge-accounting impacts and actuarial updates.
YTD core earnings were C$5.884B, up 8%; YTD net income was C$4.681B, up 15%, and YTD core EPS was C$3.39, up 11%.
Total comprehensive income attributable to shareholders was C$2.102B; OCI gains reflected higher risk-free rates and favourable currency translation.
Outlook and guidance
Medium-term targets: core EPS growth of 10–12%, core ROE of 18%+, CSM balance growth of 8–10%, expense efficiency ratio below 45%, and C$22B+ cumulative remittances for 2024–2027.
3Q26 YTD core EPS growth was 11%, CSM balance growth 9%, and expense efficiency ratio 44.3%; management remains committed to the 18%+ core ROE target for 2027 and beyond.
Expected long-term ALDA returns remain 9.0–9.5%; near-term valuation headwinds may persist for a couple of quarters at current rates.
Global WAM expects operating leverage to resume as growth continues and expenses are managed prudently; management said the business remains on its Investor Day plan.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Manulife Financial
- Diversified growth and strong capital support ambitious 2027 financial targets.MFC
Investor presentation - Core earnings grew, ROE reached target, and reinsurance is set to release C$1.2B of capital.MFCQ4 2023
- Strong strategy execution and innovation drive growth across Asia, GWAM, and core markets.MFCScotiabank’s 27th Annual Financials Summit
- Q2 2026 saw strong sales, capital strength, LTC de-risking, and new digital partnerships.MFCQ2 2026
- Transformation achieved, digital and Asia prioritized, and leadership transition set for future growth.MFCFireside Chat
- Record core earnings, double-digit new business growth, and a 10.2% dividend hike in 2025.MFCQ4 2025
- $5.4B reinsurance deal with RGA cuts LTC risk, releases $0.8B for buybacks, and boosts ROE.MFCStatus Update
- Core earnings up 6%, core EPS up 9%, and Asia core earnings surged 40% in Q2.MFCQ2 2024
- Record core earnings, double-digit EPS growth, and $6.1B in capital returns highlight 2024.MFCQ4 2024
Next Manulife Financial earnings date
Q4 202610 Feb, 2027
Manulife Financial
Next Manulife Financial earnings date
Q4 202610 Feb, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
A Well-Respected Canadian Financial Corporation
Manulife Financial Corporation, commonly known as Manulife, is a cornerstone of the Canadian financial services sector. Founded in 1887 in Toronto, this storied institution began its legacy as a life insurance company. Today, it has flourished into a multinational financial services conglomerate, offering a comprehensive suite of products, from life and health insurance to wealth and asset management. In the Canadian insurance landscape, Manulife holds a significant place, being one of the largest providers. Its longevity and history have made them a trusted company domestically, but also outside of Canada's borders.
The History
The history of the company is fascinating and expansive. The company was first incorporated by an act of parliament in 1887 and was spearheaded by Sir John A. Macdonald. He was Canada's first prime minister and Manulife's first president at the same time, and the idea was to provide robust life insurance offerings to Canadians. Over the years, Manulife distinguished itself through several innovative milestones. In 1897, it became the first Canadian insurer to operate in Asia, marking the start of its international presence. By the mid-20th century, Manulife had expanded its portfolio to include not only life insurance but also wealth management and banking services.
Manulife’s Services
At its core, Manulife provides financial services. While it started primarily as a life insurance provider, its offerings have since expanded. Today, the company provides a variety of services that range from individual life and health insurance to wealth and asset management. Additionally, Manulife also offers solutions for group benefits, supplying businesses with diverse employee benefits solutions. In an effort to continue to move with the times, Manulife has also integrated digital platforms into its operations.
International Expansion
Manulife's reach is not limited to Canada, even if that’s where a bulk of its operations have been conducted historically. In pursuit of broader markets and opportunities, the company has ventured into international territories. Asia became an early focus for Manulife's expansion and today they have a notable presence in countries such as China, Japan, and the Philippines. In the United States, Manulife operates under the "John Hancock" name, where it offers various insurance and competes with companies like AIG and Lemonade. The company's approach to global growth has been systematic, combining organic development and expansion with strategic acquisitions.