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

TSX:SLF-PR-C • CA8667964024

21.73 CAD
-0.1 (-0.46%)
Last: Mar 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SLF-PR-C. SLF-PR-C was compared to 80 industry peers in the Insurance industry. While SLF-PR-C is still in line with the averages on profitability rating, there are concerns on its financial health. SLF-PR-C has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years SLF-PR-C has always been profitable.
  • SLF-PR-C had a positive operating cash flow in 4 of the past 5 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 2025 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-C has a better Return On Assets (0.87%) than 72.50% of its industry peers.
  • The Return On Equity of SLF-PR-C (13.76%) is better than 73.75% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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 2025 0 5 10

1.3 Margins

  • With a Profit Margin value of 9.90%, SLF-PR-C perfoms like the industry average, outperforming 43.75% 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 Operating Margin of 15.17%. This is in the lower half of the industry: SLF-PR-C underperforms 70.00% of its industry peers.
  • SLF-PR-C's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 15.17%
PM (TTM) 9.9%
GM N/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
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 2025 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • Compared to 1 year ago, SLF-PR-C has a worse debt to assets ratio.
SLF-PR-C.CA Yearly Shares OutstandingSLF-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of SLF-PR-C is 3.15, which is a good value as it means it would take SLF-PR-C, 3.15 years of fcf income to pay off all of its debts.
  • SLF-PR-C has a Debt to FCF ratio (3.15) which is comparable to the rest of the industry.
  • SLF-PR-C has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • SLF-PR-C has a worse Debt to Equity ratio (0.33) than 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC4.25%
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 2025 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 2025 2B 4B 6B 8B 10B

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

5

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 11.56%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.28% on average over the past years.
  • The Revenue has been growing slightly by 4.34% in the past year.
  • SLF-PR-C shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.77% yearly.
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%

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 5.75% on average per year.
  • Based on estimates for the next years, SLF-PR-C will show a very strong growth in Revenue. The Revenue will grow by 39.16% on average per year.
EPS Next Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%

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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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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6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.92, the valuation of SLF-PR-C can be described as very cheap.
  • SLF-PR-C's Price/Earnings ratio is rather cheap when compared to the industry. SLF-PR-C is cheaper than 83.75% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, SLF-PR-C is valued rather cheaply.
  • A Price/Forward Earnings ratio of 2.71 indicates a rather cheap valuation of SLF-PR-C.
  • SLF-PR-C's Price/Forward Earnings ratio is rather cheap when compared to the industry. SLF-PR-C is cheaper than 85.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SLF-PR-C to the average of the S&P500 Index (28.11), we can say SLF-PR-C is valued rather cheaply.
Industry RankSector Rank
PE 2.92
Fwd PE 2.71
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

  • SLF-PR-C's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 4.56
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)0.37
PEG (5Y)0.47
EPS Next 2Y8.53%
EPS Next 3Y6.16%

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

6

5. Dividend

5.1 Amount

  • SLF-PR-C has a Yearly Dividend Yield of 4.11%, which is a nice return.
  • SLF-PR-C's Dividend Yield is comparable with the industry average which is at 4.43.
  • Compared to an average S&P500 Dividend Yield of 1.82, SLF-PR-C pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.11%

5.2 History

  • The dividend of SLF-PR-C is nicely growing with an annual growth rate of 9.56%!
  • 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)9.56%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 59.45% of the earnings are spent on dividend by SLF-PR-C. This is a bit on the high side, but may be sustainable.
  • SLF-PR-C's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
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 2025 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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SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP

TSX:SLF-PR-C (3/2/2026, 7:00:00 PM)

21.73

-0.1 (-0.46%)

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 Cap12.11B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target24.63 (13.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.1%
Min EPS beat(2)0.48%
Max EPS beat(2)3.72%
EPS beat(4)3
Avg EPS beat(4)2.39%
Min EPS beat(4)-0.3%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.44%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)12
Avg EPS beat(16)2.24%
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)2.26%
PT rev (3m)-0.96%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 2.92
Fwd PE 2.71
P/S 0.35
P/FCF 4.56
P/OCF 4.33
P/B 0.48
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)7.43
EY34.19%
EPS(NY)8.01
Fwd EY36.88%
FCF(TTM)4.76
FCFY21.91%
OCF(TTM)5.02
OCFY23.11%
SpS62.95
BVpS45.26
TBVpS18.91
PEG (NY)0.37
PEG (5Y)0.47
Graham Number86.98
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 15.17%
PM (TTM) 9.9%
GM N/A
FCFM 7.56%
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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)1.39%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.41%
Interest Coverage 15
Cash Conversion N/A
Profit Quality 76.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)110.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
EPS Next Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%
EBIT growth 1Y6.42%
EBIT growth 3Y-37.98%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.09%
FCF growth 3Y-14.93%
FCF growth 5Y-17.85%
OCF growth 1Y10.55%
OCF growth 3Y-13.41%
OCF growth 5Y-17.34%

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 4 / 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 7.87% 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 59.45%.