SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-C - CA8667964024
22 CAD
+0.08 (+0.36%)
We assign a fundamental rating of 5 out of 10 to SLF-PR-C. SLF-PR-C was compared to 77 industry peers in the Insurance industry. Both the profitability and the financial health of SLF-PR-C get a neutral evaluation. Nothing too spectacular is happening here. SLF-PR-C has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SLF-PR-C had positive earnings in the past year.
In the past year SLF-PR-C had a positive cash flow from operations.
Each year in the past 5 years SLF-PR-C has been profitable.
Of the past 5 years SLF-PR-C 4 years had a positive operating cash flow.
1.2 Ratios
SLF-PR-C has a Return On Assets of 0.86%. This is in the better half of the industry: SLF-PR-C outperforms 64.94% of its industry peers.
SLF-PR-C has a better Return On Equity (12.85%) than 80.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| ROIC | N/A |
ROA(3y)0.9%
ROA(5y)0.92%
ROE(3y)12.65%
ROE(5y)12.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SLF-PR-C has a Profit Margin (9.34%) which is in line with its industry peers.
In the last couple of years the Profit Margin of SLF-PR-C has grown nicely.
Looking at the Operating Margin, with a value of 14.71%, SLF-PR-C is doing worse than 90.91% of the companies in the same industry.
In the last couple of years the Operating Margin of SLF-PR-C has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| GM | N/A |
OM growth 3Y-8.21%
OM growth 5YN/A
PM growth 3Y-4.77%
PM growth 5Y1.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SLF-PR-C does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SLF-PR-C has less shares outstanding
The number of shares outstanding for SLF-PR-C has been reduced compared to 5 years ago.
SLF-PR-C has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-C is 1.54, which is an excellent value as it means it would take SLF-PR-C, only 1.54 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.54, SLF-PR-C is doing good in the industry, outperforming 72.73% of the companies in the same industry.
SLF-PR-C has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, SLF-PR-C belongs to the top of the industry, outperforming 83.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.63%, which is quite good.
Measured over the past 5 years, SLF-PR-C shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
The Revenue has been growing slightly by 7.10% in the past year.
The Revenue has been growing slightly by 0.65% on average over the past years.
EPS 1Y (TTM)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
3.2 Future
SLF-PR-C is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.97% yearly.
Based on estimates for the next years, SLF-PR-C will show a very strong growth in Revenue. The Revenue will grow by 31.70% on average per year.
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y5.97%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.7%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.12 indicates a rather cheap valuation of SLF-PR-C.
Compared to the rest of the industry, the Price/Earnings ratio of SLF-PR-C indicates a somewhat cheap valuation: SLF-PR-C is cheaper than 77.92% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SLF-PR-C to the average of the S&P500 Index (27.20), we can say SLF-PR-C is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.77, the valuation of SLF-PR-C can be described as very cheap.
79.22% of the companies in the same industry are more expensive than SLF-PR-C, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.71. SLF-PR-C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.12 | ||
| Fwd PE | 2.77 |
4.2 Price Multiples
SLF-PR-C's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.29
PEG (5Y)0.59
EPS Next 2Y9.25%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
SLF-PR-C has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.91, SLF-PR-C is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.38, SLF-PR-C pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
5.2 History
The dividend of SLF-PR-C is nicely growing with an annual growth rate of 8.81%!
SLF-PR-C has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-C has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
62.09% of the earnings are spent on dividend by SLF-PR-C. This is not a sustainable payout ratio.
SLF-PR-C's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-C (9/15/2025, 7:00:00 PM)
22
+0.08 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap12.40B
Analysts74.12
Price Target23.97 (8.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.67%
Min EPS beat(2)-0.3%
Max EPS beat(2)5.64%
EPS beat(4)2
Avg EPS beat(4)0.35%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.65%
EPS beat(12)8
Avg EPS beat(12)1.91%
EPS beat(16)11
Avg EPS beat(16)2%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.21%
PT rev (3m)11.33%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)-4.6%
EPS NY rev (1m)0.94%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.85%
Revenue NY rev (3m)-5.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.12 | ||
| Fwd PE | 2.77 | ||
| P/S | 0.36 | ||
| P/FCF | 3 | ||
| P/OCF | 2.9 | ||
| P/B | 0.49 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY32.05%
EPS(NY)7.95
Fwd EY36.13%
FCF(TTM)7.33
FCFY33.34%
OCF(TTM)7.58
OCFY34.44%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.29
PEG (5Y)0.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| GM | N/A | ||
| FCFM | 11.95% |
ROA(3y)0.9%
ROA(5y)0.92%
ROE(3y)12.65%
ROE(5y)12.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.32%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-8.21%
OM growth 5YN/A
PM growth 3Y-4.77%
PM growth 5Y1.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 13.42 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.16%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)131.84%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y5.97%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.7%
EBIT growth 1Y9.45%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.89%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y37.39%
OCF growth 3YN/A
OCF growth 5Y0.46%