SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) Stock Fundamental Analysis

TSX:SLF-PR-C • CA8667964024

21.83 CAD
+0.09 (+0.41%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SLF-PR-C. SLF-PR-C was compared to 78 industry peers in the Insurance industry. SLF-PR-C may be in some trouble as it scores bad on both profitability and health. SLF-PR-C has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

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.
  • Of the past 5 years SLF-PR-C 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: SLF-PR-C reported negative operating cash flow in multiple years.
SLF-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-C has a better Return On Assets (0.76%) than 67.95% of its industry peers.
  • With a Return On Equity value of 11.62%, SLF-PR-C is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.76%
ROE 11.62%
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
SLF-PR-C.CA Yearly ROA, ROE, ROICSLF-PR-C.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • SLF-PR-C has a worse Profit Margin (8.57%) than 62.82% of its industry peers.
  • SLF-PR-C's Profit Margin has improved in the last couple of years.
  • SLF-PR-C's Operating Margin of 13.88% is on the low side compared to the rest of the industry. SLF-PR-C is outperformed by 74.36% of its industry peers.
  • In the last couple of years the Operating Margin of SLF-PR-C has declined.
Industry RankSector Rank
OM 13.88%
PM (TTM) 8.57%
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
SLF-PR-C.CA Yearly Profit, Operating, Gross MarginsSLF-PR-C.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • SLF-PR-C has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SLF-PR-C.CA Yearly Shares OutstandingSLF-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-C.CA Yearly Total Debt VS Total AssetsSLF-PR-C.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of SLF-PR-C is 3.56, which is a good value as it means it would take SLF-PR-C, 3.56 years of fcf income to pay off all of its debts.
  • SLF-PR-C has a worse Debt to FCF ratio (3.56) than 64.10% of its industry peers.
  • SLF-PR-C has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of SLF-PR-C (0.29) is worse than 60.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.79%
SLF-PR-C.CA Yearly LT Debt VS Equity VS FCFSLF-PR-C.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF-PR-C.CA Yearly Current Assets VS Current LiabilitesSLF-PR-C.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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 10.87%, which is quite good.
  • SLF-PR-C shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.15% yearly.
EPS 1Y (TTM)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%

3.2 Future

  • Based on estimates for the next years, SLF-PR-C will show a small growth in Earnings Per Share. The EPS will grow by 5.92% on average per year.
  • The Revenue is expected to grow by 39.16% on average over the next years. This is a very strong growth
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
SLF-PR-C.CA Yearly Revenue VS EstimatesSLF-PR-C.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
SLF-PR-C.CA Yearly EPS VS EstimatesSLF-PR-C.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.96 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 rather cheap valuation: SLF-PR-C is cheaper than 82.05% 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 (26.68), we can say SLF-PR-C is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.72, the valuation of SLF-PR-C can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, SLF-PR-C is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
  • SLF-PR-C is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.96
Fwd PE 2.72
SLF-PR-C.CA Price Earnings VS Forward Price EarningsSLF-PR-C.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SLF-PR-C is valued a bit more expensive than 61.54% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.88
EV/EBITDA N/A
SLF-PR-C.CA Per share dataSLF-PR-C.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.35
PEG (5Y)0.48
EPS Next 2Y8.87%
EPS Next 3Y6.39%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.93%, SLF-PR-C has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.92, SLF-PR-C is paying slightly less dividend.
  • SLF-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 3.93%

5.2 History

  • The dividend of SLF-PR-C is nicely growing with an annual growth rate of 8.81%!
  • SLF-PR-C has been paying a dividend for at least 10 years, so it has 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
SLF-PR-C.CA Yearly Dividends per shareSLF-PR-C.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SLF-PR-C pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of SLF-PR-C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
SLF-PR-C.CA Yearly Income VS Free CF VS DividendSLF-PR-C.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
SLF-PR-C.CA Dividend Payout.SLF-PR-C.CA Dividend Payout, showing the Payout Ratio.SLF-PR-C.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP

TSX:SLF-PR-C (2/12/2026, 7:00:00 PM)

21.83

+0.09 (+0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.17B
Revenue(TTM)N/A
Net Income(TTM)2.99B
Analysts73.68
Price Target24.04 (10.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.09%
Min EPS beat(2)-0.3%
Max EPS beat(2)0.48%
EPS beat(4)2
Avg EPS beat(4)-0.21%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.67%
EPS beat(12)8
Avg EPS beat(12)1.2%
EPS beat(16)11
Avg EPS beat(16)1.99%
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)-1.57%
PT rev (3m)-5.1%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.16%
Valuation
Industry RankSector Rank
PE 2.96
Fwd PE 2.72
P/S 0.35
P/FCF 5.88
P/OCF 5.51
P/B 0.47
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)7.38
EY33.81%
EPS(NY)8.01
Fwd EY36.72%
FCF(TTM)3.72
FCFY17.02%
OCF(TTM)3.96
OCFY18.16%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.35
PEG (5Y)0.48
Graham Number87.5
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 11.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 13.88%
PM (TTM) 8.57%
GM N/A
FCFM 5.94%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.4%
Interest Coverage 13.4
Cash Conversion N/A
Profit Quality 69.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC4.79%
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)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%
EBIT growth 1Y-5.8%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-30.2%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y-29.23%
OCF growth 3YN/A
OCF growth 5Y0.46%

SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP / SLF-PR-C.CA FAQ

What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-C.CA.


What is the valuation status for SLF-PR-C stock?

ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA). This can be considered as Fairly Valued.


What is the profitability of SLF-PR-C stock?

SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for SLF-PR-C stock?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) is expected to grow by 8.55% in the next year.


Is the dividend of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP sustainable?

The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) is 5 / 10 and the dividend payout ratio is 67.93%.