SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-D - CA8667965013
21.37 CAD
+0.22 (+1.04%)
Taking everything into account, SLF-PR-D scores 4 out of 10 in our fundamental rating. SLF-PR-D was compared to 80 industry peers in the Insurance industry. SLF-PR-D may be in some trouble as it scores bad on both profitability and health. SLF-PR-D has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SLF-PR-D had positive earnings in the past year.
SLF-PR-D had a positive operating cash flow in the past year.
Each year in the past 5 years SLF-PR-D has been profitable.
SLF-PR-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SLF-PR-D has a Return On Assets of 0.76%. This is in the better half of the industry: SLF-PR-D outperforms 70.00% of its industry peers.
SLF-PR-D's Return On Equity of 11.62% is in line compared to the rest of the industry. SLF-PR-D outperforms 43.75% of 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
The Profit Margin of SLF-PR-D (8.57%) is worse than 60.00% of its industry peers.
In the last couple of years the Profit Margin of SLF-PR-D has grown nicely.
SLF-PR-D's Operating Margin of 13.88% is on the low side compared to the rest of the industry. SLF-PR-D is outperformed by 88.75% of its industry peers.
SLF-PR-D's Operating Margin has declined in the last couple of years.
| 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-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLF-PR-D has less shares outstanding than it did 1 year ago.
SLF-PR-D has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SLF-PR-D has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-D is 3.56, which is a good value as it means it would take SLF-PR-D, 3.56 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.56, SLF-PR-D is doing worse than 60.00% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-D is not too dependend on debt financing.
The Debt to Equity ratio of SLF-PR-D (0.29) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.37%
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 been growing slightly by 7.36% over the past year.
SLF-PR-D shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
SLF-PR-D shows a small growth in Revenue. In the last year, the Revenue has grown by 5.51%.
SLF-PR-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.65% yearly.
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
SLF-PR-D is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.03% yearly.
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
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
SLF-PR-D is valuated cheaply with a Price/Earnings ratio of 2.99.
83.75% of the companies in the same industry are more expensive than SLF-PR-D, based on the Price/Earnings ratio.
SLF-PR-D's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
SLF-PR-D is valuated cheaply with a Price/Forward Earnings ratio of 2.65.
Based on the Price/Forward Earnings ratio, SLF-PR-D is valued cheaper than 85.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SLF-PR-D to the average of the S&P500 Index (36.12), we can say SLF-PR-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.99 | ||
| Fwd PE | 2.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLF-PR-D is valued a bit more expensive than the industry average as 78.75% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SLF-PR-D's 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 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.45%, SLF-PR-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.36, SLF-PR-D has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, SLF-PR-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
The dividend of SLF-PR-D is nicely growing with an annual growth rate of 8.81%!
SLF-PR-D has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-D has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
SLF-PR-D pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
SLF-PR-D's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-D (11/27/2025, 7:00:00 PM)
21.37
+0.22 (+1.04%)
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 Cap12.04B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target24.54 (14.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)5.3%
PT rev (3m)0.38%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-0.55%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.99 | ||
| Fwd PE | 2.65 | ||
| P/S | 0.35 | ||
| P/FCF | 5.82 | ||
| P/OCF | 5.45 | ||
| P/B | 0.47 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY33.46%
EPS(NY)8.05
Fwd EY37.67%
FCF(TTM)3.67
FCFY17.19%
OCF(TTM)3.92
OCFY18.35%
SpS61.82
BVpS45.6
TBVpS19.16
PEG (NY)0.27
PEG (5Y)0.57
Graham Number85.65
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
WACC4.37%
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 Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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-D.CA FAQ
Can you provide the ChartMill fundamental rating for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-D.CA.
What is the valuation status of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA). This can be considered as Fairly Valued.
How profitable is SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) stock?
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) has a profitability rating of 3 / 10.
What is the earnings growth outlook for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) is expected to grow by 11.21% 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-D.CA) is 5 / 10 and the dividend payout ratio is 67.93%.