SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-C - CA8667964024
21.67 CAD
+0.05 (+0.23%)
Overall SLF-PR-C gets a fundamental rating of 4 out of 10. We evaluated SLF-PR-C against 80 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- SLF-PR-C had positive earnings in the past year.
- SLF-PR-C had a positive operating cash flow in the past year.
- 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 0.76%. This is in the better half of the industry: SLF-PR-C outperforms 69.14% of its industry peers.
- SLF-PR-C has a Return On Equity (11.62%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 8.57%, SLF-PR-C is not doing good in the industry: 60.49% of the companies in the same industry are doing better.
- SLF-PR-C's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 13.88%, SLF-PR-C is doing worse than 71.60% 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 | 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
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 less shares outstanding than it did 1 year ago.
- 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
- SLF-PR-C has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-C would need 3.56 years to pay back of all of its debts.
- SLF-PR-C's Debt to FCF ratio of 3.56 is on the low side compared to the rest of the industry. SLF-PR-C is outperformed by 61.73% of its industry peers.
- A Debt/Equity ratio of 0.29 indicates that SLF-PR-C is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.29, SLF-PR-C is in line with its industry, outperforming 41.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.02%
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 7.36%.
- SLF-PR-C shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
- Looking at the last year, SLF-PR-C shows a small growth in Revenue. The Revenue has grown by 5.51% in the last year.
- Measured over the past years, SLF-PR-C shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
EPS 1Y (TTM)7.36%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%5.68%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
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 7.21% on average per year.
- The Revenue is expected to grow by 29.23% on average over the next years. This is a very strong growth
EPS Next Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.23%
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 accelerating.
- 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
- The Price/Earnings ratio is 3.03, which indicates a rather cheap valuation of SLF-PR-C.
- 82.72% of the companies in the same industry are more expensive than SLF-PR-C, based on the Price/Earnings ratio.
- SLF-PR-C is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 2.70, which indicates a rather cheap valuation of SLF-PR-C.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SLF-PR-C indicates a rather cheap valuation: SLF-PR-C is cheaper than 83.95% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SLF-PR-C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.03 | ||
| Fwd PE | 2.7 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SLF-PR-C is valued a bit more expensive than 60.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.83 | ||
| 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)0.27
PEG (5Y)0.57
EPS Next 2Y9.7%
EPS Next 3Y9.53%
5. Dividend
5.1 Amount
- SLF-PR-C has a Yearly Dividend Yield of 4.22%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.15, SLF-PR-C has a dividend in line with its industry peers.
- SLF-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
5.2 History
- On average, the dividend of SLF-PR-C grows each year by 8.81%, which is quite nice.
- 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
5.3 Sustainability
- 67.93% of the earnings are spent on dividend by SLF-PR-C. 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 2Y9.7%
EPS Next 3Y9.53%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-C (1/16/2026, 7:00:00 PM)
21.67
+0.05 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-11 2026-02-11/amc
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.08B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target24.09 (11.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
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)-5.41%
PT rev (3m)2.27%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-0.38%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.03 | ||
| Fwd PE | 2.7 | ||
| P/S | 0.35 | ||
| P/FCF | 5.83 | ||
| P/OCF | 5.47 | ||
| P/B | 0.47 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY32.99%
EPS(NY)8.01
Fwd EY36.99%
FCF(TTM)3.72
FCFY17.15%
OCF(TTM)3.96
OCFY18.3%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.27
PEG (5Y)0.57
Graham Number86.12
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.02%
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)7.36%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%5.68%
EPS Next Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.23%
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 11.37% 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 6 / 10 and the dividend payout ratio is 67.93%.