Great-West Lifeco Inc. (GWLIF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 18.68 means the share price is 18.68 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $59.1B is the value of all shares combined. Beta 0.68: the stock has moved about 32% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerGreat-West Lifeco Inc. (GWLIF) trades at $66.00 with MoonshotScore 54/100 (Grade B). Great-West Lifeco Inc. is a financial services holding company offering life insurance, retirement services, and asset management solutions. Market cap: $59.1B, Sector: Financial services.
Price as of Sep 10, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for GWLIF: GWLIF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GWLIF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
GWLIF: 1/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Great-West Lifeco Inc. (GWLIF) Financial Services Profile
Great-West Lifeco Inc. is a diversified financial services provider specializing in life and health insurance, retirement and investment services, and asset management across North America and Europe. With a history dating back to 1891, the company operates under prominent brands like Canada Life and Empower, distributing products through various channels.
What Is the Investment Thesis for GWLIF?
The company's operations across insurance, retirement services, and asset management provide a stable revenue stream and mitigate risk. With a market capitalization of $59.1B and a P/E ratio of 18.68, GWLIF appears reasonably valued compared to its peers. Growth catalysts include the increasing demand for retirement savings solutions and the expansion of its asset management business. However, potential risks include regulatory changes in the financial services industry and fluctuations in interest rates. The company's beta of 0.68 suggests lower volatility compared to the overall market, making it a noteworthy option for risk-averse investors seeking stable income and long-term growth.
Based on FMP financials and quantitative analysis
GWLIF Key Highlights
Market capitalization of $59.1B, reflecting its significant size and established presence in the financial services industry.
- P/E ratio of 18.68, suggesting a reasonable valuation compared to industry peers.
- Profit margin of 11.0%, indicating efficient operations and profitability.
- Gross margin of 41.1%, demonstrating strong pricing power and cost management.
- Dividend yield of 3.89%, providing an attractive income stream for investors.
Who Are GWLIF's Competitors?
GWLIF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| DCNSF Dai-ichi Life Holdings, Inc. | $11.00 | 0.00% | $39.6B | — |
| DNBBF DNB Bank ASA | $35.05 | -0.76% | $50.2B | — |
| EBKOF Erste Group Bank AG | $140.69 | -0.46% | $54.7B | 609-signal |
| HVRRF Hannover Rück SE | $291.63 | 0.00% | $35.2B | — |
| AFL AFLAC Incorporated | $114.47 | -0.24% | $57.4B | 625-pillar |
| MET MetLife, Inc. | $96.78 | +1.14% | $62.3B | 865-pillar |
| MFC Manulife Financial Corporation | $43.48 | +1.26% | $72.6B | 935-pillar |
| PRU Prudential Financial, Inc. | $118.48 | +0.76% | $41.1B | 895-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are GWLIF's Key Strengths?
Diversified business model across insurance, retirement, and asset management.
- Strong brand recognition and reputation.
- Extensive distribution network.
- Solid financial performance and profitability.
What Are GWLIF's Weaknesses?
Exposure to regulatory changes in multiple jurisdictions.
- Sensitivity to interest rate fluctuations.
- Dependence on economic conditions.
- Competition from larger and more established players.
What Could Drive GWLIF Stock Higher?
Increasing demand for retirement savings solutions due to aging populations.
- Expansion of asset management business driven by growing wealth.
- Potential strategic acquisitions to expand geographic reach and product offerings.
- Digital transformation initiatives to enhance customer experience and improve efficiency.
What Are the Key Risks for GWLIF?
Financial-distress signal — its Altman Z-Score of 0.19 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes in the financial services industry.
- Fluctuations in interest rates impacting profitability.
- Economic downturns affecting investment returns.
- Increased competition from fintech companies.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for GWLIF?
- Expansion of Retirement Services: The increasing global focus on retirement planning presents a significant growth opportunity for Great-West Lifeco. As populations age and individuals take greater responsibility for their retirement savings, the demand for employer-sponsored retirement plans and individual retirement accounts is expected to rise. Great-West Lifeco can capitalize on this trend by expanding its retirement services offerings, enhancing its technology platform, and strengthening its distribution network.
- Strategic Acquisitions: Great-West Lifeco can pursue strategic acquisitions to expand its geographic reach, enhance its product offerings, and gain access to new markets. Acquisitions can provide the company with valuable synergies, economies of scale, and access to specialized expertise. By carefully targeting acquisitions in complementary areas, Great-West Lifeco can accelerate its growth and strengthen its competitive position. The timeline for acquisitions is dependent on market conditions and available opportunities.
- Digital Transformation: Investing in digital technologies to enhance customer experience, streamline operations, and improve efficiency represents a significant growth opportunity. By leveraging data analytics, artificial intelligence, and automation, Great-West Lifeco can personalize its services, optimize its processes, and reduce costs. A successful digital transformation can lead to increased customer satisfaction, improved profitability, and a stronger competitive advantage. The company should focus on implementing these technologies over the next 3-5 years.
- Product Innovation: Developing innovative financial solutions that cater to evolving customer needs is crucial for sustained growth. Great-West Lifeco can focus on creating new insurance products, investment strategies, and retirement planning tools that address emerging trends such as longevity, healthcare costs, and environmental sustainability. By staying ahead of the curve and offering differentiated products, the company can attract new customers and retain existing ones. New product development should be an ongoing process.
- Geographic Expansion: Expanding into new geographic markets can provide Great-West Lifeco with access to untapped growth opportunities. By carefully selecting markets with favorable demographics, regulatory environments, and economic conditions, the company can diversify its revenue streams and reduce its reliance on existing markets. Geographic expansion requires careful planning, market research, and strategic partnerships. The company should prioritize markets with strong growth potential and a clear path to profitability.
What Are GWLIF's Competitive Advantages?
- Established brand reputation with brands like Canada Life and Empower.
- Diversified product portfolio across insurance, retirement, and asset management.
- Extensive distribution network through advisors, brokers, and financial institutions.
- Significant scale and market share in key markets.
What Does GWLIF Do?
Founded in 1891 and headquartered in Winnipeg, Canada, Great-West Lifeco Inc. has evolved into a prominent financial services holding company with a significant presence in Canada, the United States, and Europe. As a subsidiary of Power Financial Corporation, Great-West Lifeco offers a comprehensive suite of financial solutions, including life and health insurance, retirement and investment services, asset management, and reinsurance. The company's diverse portfolio caters to individuals, families, businesses, and organizations, providing tailored financial and benefit plan solutions. Great-West Lifeco's product offerings encompass a wide range of insurance products, such as life, disability, critical illness, accidental death, and health and dental protection. The company also provides retirement savings and income solutions, including employer-sponsored retirement plans, individual retirement accounts, and annuity products. Through its various brands, including Canada Life, Irish Life, Empower, Putnam Investments, and PanAgora, Great-West Lifeco distributes its products through a multi-channel network of advisors, dealers, brokers, financial institutions, and consultants. This diversified approach allows the company to reach a broad customer base and adapt to evolving market needs. Great-West Lifeco's commitment to innovation and customer service has solidified its position as a leading player in the financial services industry.
What Products and Services Does GWLIF Offer?
- Offers life and health insurance products.
- Provides retirement and investment services.
- Engages in asset management.
- Offers reinsurance solutions.
- Provides financial and benefit plan solutions for individuals, families, businesses, and organizations.
- Distributes products through advisors, brokers, and financial institutions.
- Provides private-label recordkeeping and administrative services.
How Does GWLIF Make Money?
- Generates revenue from premiums on life and health insurance products.
- Earns fees from retirement and investment services.
- Manages assets for individuals and institutions.
- Provides reinsurance coverage to other insurance companies.
What Industry Does GWLIF Operate In?
Great-West Lifeco operates in the highly competitive financial services industry, which is characterized by evolving regulatory landscapes, changing customer preferences, and increasing technological disruption. The life insurance and retirement services segments are experiencing growth due to an aging population and increasing awareness of financial planning. The company competes with other major players such as DCNSF, DNBBF, DNBBY, EBKOF and HVRRF, all vying for market share in a global market. Great-West Lifeco's diversified product portfolio and multi-channel distribution network position it well to capitalize on these trends.
Who Are GWLIF's Key Customers?
- Individuals and families seeking life and health insurance.
- Businesses and organizations offering employee benefits.
- Individuals saving for retirement.
- Institutional investors seeking asset management services.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
Why 54?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 54 |
| 2026-08-26 | 54 |
| 2026-08-29 | 54 |
| 2026-09-01 | 54 |
| 2026-09-04 | 54 |
| 2026-09-07 | 54 |
| 2026-09-10 | 54 |
What changed?
The score has stayed at 54.
Over the same 18 days the stock moved +2.1%.
Earnings Track Record
Great-West Lifeco Inc. has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 4.7% above estimates on average.
Quarterly Financial Performance: Great-West Lifeco Inc.
Revenue for Great-West Lifeco Inc. came in at $12.72B during Q2 FY2026, a 64.5% improvement versus the preceding quarter. The company recorded net income of $1.09B, with diluted EPS of $1.21. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, GWLIF averaged $1.51 in diluted EPS.
GWLIF Valuation & Market Position
With a $59.1B market cap, Great-West Lifeco Inc. sits in the large-cap segment of the market. Relative to its peer group, GWLIF's quantitative score of 54/100 is below the peer average of 78/100.
Key Financial Metrics
Return on equity for Great-West Lifeco Inc. stands at 15.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. GWLIF trades at a trailing price-to-earnings ratio of 18.68, roughly in line with the Financial Services sector average of ~17.50x. Its free cash flow yield is 6.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 6.57 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Great-West Lifeco Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.19 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Great-West Lifeco Inc. operates in the Insurance - Life industry within the Financial Services sector. It is headquartered in Winnipeg, CA. The company is led by CEO David Harney. GWLIF has traded publicly since 2001.
GWLIF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified business model across insurance, retirement, and asset management.
- Strong brand recognition and reputation.
- Extensive distribution network.
- Solid financial performance and profitability.
Bear Case
- Exposure to regulatory changes in multiple jurisdictions.
- Sensitivity to interest rate fluctuations.
- Dependence on economic conditions.
- Competition from larger and more established players.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | C$12.72B | C$1.09B | C$1.21 |
| Q1 FY2026 | C$7.73B | C$1.24B | C$1.37 |
| Q4 FY2025 | C$6.76B | C$1.10B | C$1.64 |
| Q3 FY2025 | C$11.88B | C$1.21B | C$1.81 |
Q2 FY2026 · filed 30 Jun 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis · Reported in CAD
GWLIF Latest News
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Great-West Lifeco Inc. (OTCMKTS:GWLIF) Given Average Recommendation of “Moderate Buy” by Brokerages
defenseworld.net · Sep 9, 2026
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Great-West Lifeco (OTCMKTS:GWLIF) Stock Price Passes Above Fifty Day Moving Average – Here’s Why
defenseworld.net · Aug 20, 2026
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Great-West Lifeco Q2 Earnings Call Highlights
marketbeat.com · Aug 1, 2026
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Great-West Lifeco Inc (GWLIF) (Q2 2026) Earnings Call Highlights: Strong EPS Growth and Record ...
GuruFocus.com · Jul 30, 2026
GWLIF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for GWLIF.
Price Targets
Wall Street price target analysis for GWLIF.
GWLIF MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. GWLIF scores 54/100 (Grade B): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Latest News
Great-West Lifeco Inc. (OTCMKTS:GWLIF) Given Average Recommendation of “Moderate Buy” by Brokerages
Great-West Lifeco (OTCMKTS:GWLIF) Stock Price Passes Above Fifty Day Moving Average – Here’s Why
Great-West Lifeco Q2 Earnings Call Highlights
Great-West Lifeco Inc (GWLIF) (Q2 2026) Earnings Call Highlights: Strong EPS Growth and Record ...
Leadership: David Harney
Unknown
Further research would be needed to provide details on his career history, education, and previous roles.
Track Record: Information on David Harney's track record is not available in the provided context. Further research would be needed to provide details on his key achievements and strategic decisions.
GWLIF OTC Market Information
The OTC Other tier, where Great-West Lifeco Inc. trades, represents the lowest tier of the OTC market. Companies in this tier often have limited or no reporting requirements, leading to less transparency compared to companies listed on major exchanges like the NYSE or NASDAQ. These companies may not meet the minimum financial standards required for listing on higher-tier OTC markets or national exchanges.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing due to lack of transparency.
- Lower trading volume can lead to price volatility and difficulty in executing trades.
- OTC-listed companies may be subject to less regulatory oversight compared to exchange-listed companies.
- Potential for fraud or manipulation is higher on the OTC market due to less stringent listing requirements.
- Liquidity risk: It may be difficult to find buyers when you want to sell.
- Verify the company's registration and regulatory filings.
- Review available financial statements and assess their accuracy.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's financial health and solvency.
- Understand the risks associated with investing in OTC-listed companies.
- Consult with a financial advisor before making any investment decisions.
- Subsidiary of Power Financial Corporation.
- Operating history since 1891.
- Presence in multiple countries (Canada, US, Europe).
- Significant number of employees (33,250).
Great-West Lifeco Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for GWLIF?
GWLIF holds an AI Score of 54/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed. Great-West Lifeco Inc. is a financial services holding company offering life insurance, retirement services, and asset management solutions.
Is GWLIF a good stock?
Stock Expert AI does not rate GWLIF buy, sell or hold. Great-West Lifeco Inc. carries a MoonshotScore of 54/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does Great-West Lifeco Inc. do?
Great-West Lifeco Inc. operates as a diversified financial services holding company, providing a range of products and services including life and health insurance, retirement savings and income solutions, asset management, and reinsurance.
What are the key factors to evaluate for GWLIF?
Great-West Lifeco Inc. (GWLIF) holds an AI score of 54/100 (moderate). P/E: 18.68x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does GWLIF data refresh on this page?
GWLIF's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven GWLIF's recent stock price performance?
Great-West Lifeco Inc. (GWLIF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified business model across insurance, retirement, and asset management. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GWLIF overvalued or undervalued right now?
Great-West Lifeco Inc. (GWLIF) trades at 18.68x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of GWLIF?
Yes, most major brokerages offer fractional shares of Great-West Lifeco Inc. (GWLIF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track GWLIF's earnings and financial reports?
Great-West Lifeco Inc. (GWLIF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for GWLIF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.