SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-C - CA8667964024
22.22 CAD
-0.12 (-0.54%)
SLF-PR-C gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SLF-PR-C was profitable.
SLF-PR-C had a positive operating cash flow in the past year.
In the past 5 years SLF-PR-C has always 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 70.00% of its industry peers.
Looking at the Return On Equity, with a value of 12.85%, SLF-PR-C belongs to the top of the industry, outperforming 83.75% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 9.34%, SLF-PR-C is in line with its industry, outperforming 51.25% of the companies in the same industry.
SLF-PR-C's Profit Margin has improved in the last couple of years.
SLF-PR-C has a worse Operating Margin (14.71%) than 90.00% of its industry peers.
SLF-PR-C's Operating Margin has declined in the last couple of years.
| 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.
The Debt to FCF ratio of SLF-PR-C (1.54) is better than 75.00% of its industry peers.
SLF-PR-C has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
SLF-PR-C's Debt to Equity ratio of 0.25 is amongst the best of the industry. SLF-PR-C outperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.02% over the past year.
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.
Looking at the last year, SLF-PR-C shows a quite strong growth in Revenue. The Revenue has grown by 8.17% 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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
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 6.03% on average per year.
The Revenue is expected to grow by 31.96% on average over the next years. This is a very strong growth
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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
The Price/Earnings ratio is 3.09, which indicates a rather cheap valuation of SLF-PR-C.
Based on the Price/Earnings ratio, SLF-PR-C is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.28, SLF-PR-C is valued rather cheaply.
A Price/Forward Earnings ratio of 2.76 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 82.50% of the companies listed in the same industry.
SLF-PR-C is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.09 | ||
| Fwd PE | 2.76 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SLF-PR-C.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.03 | ||
| 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)0.28
PEG (5Y)0.59
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.25%, SLF-PR-C has a reasonable but not impressive dividend return.
SLF-PR-C's Dividend Yield is slightly below the industry average, which is at 3.67.
Compared to an average S&P500 Dividend Yield of 2.36, SLF-PR-C pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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
SLF-PR-C pays out 62.09% of its income as dividend. 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 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-C (11/7/2025, 7:00:00 PM)
22.22
-0.12 (-0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.52B
Revenue(TTM)33.63B
Net Income(TTM)3.23B
Analysts74.74
Price Target25.33 (14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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)7.54%
PT rev (3m)11.18%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-1.61%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.09 | ||
| Fwd PE | 2.76 | ||
| P/S | 0.36 | ||
| P/FCF | 3.03 | ||
| P/OCF | 2.93 | ||
| P/B | 0.5 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.19
EY32.36%
EPS(NY)8.05
Fwd EY36.23%
FCF(TTM)7.33
FCFY33.01%
OCF(TTM)7.58
OCFY34.1%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.28
PEG (5Y)0.59
Graham Number84.92
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
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-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
WACC4.81%
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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%
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 5 / 10 to SLF-PR-C.CA.
Can you provide the valuation status for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP?
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 4 / 10.
Can you provide the PE and PB ratios for SLF-PR-C stock?
The Price/Earnings (PE) ratio for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) is 3.09 and the Price/Book (PB) ratio is 0.5.
What is the expected EPS growth for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-C.CA) is expected to grow by 11.21% in the next year.