SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-D - CA8667965013
21.68 CAD
-0.09 (-0.41%)
Taking everything into account, SLF-PR-D scores 5 out of 10 in our fundamental rating. SLF-PR-D was compared to 77 industry peers in the Insurance industry. Both the profitability and the financial health of SLF-PR-D get a neutral evaluation. Nothing too spectacular is happening here. SLF-PR-D has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SLF-PR-D had positive earnings in the past year.
In the past year SLF-PR-D had a positive cash flow from operations.
Each year in the past 5 years SLF-PR-D has been profitable.
Of the past 5 years SLF-PR-D 4 years had a positive operating cash flow.
1.2 Ratios
SLF-PR-D has a better Return On Assets (0.86%) than 67.53% of its industry peers.
With an excellent Return On Equity value of 12.85%, SLF-PR-D belongs to the best of the industry, outperforming 83.12% 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
With a Profit Margin value of 9.34%, SLF-PR-D perfoms like the industry average, outperforming 50.65% of the companies in the same industry.
In the last couple of years the Profit Margin of SLF-PR-D has grown nicely.
Looking at the Operating Margin, with a value of 14.71%, SLF-PR-D is doing worse than 88.31% of the companies in the same industry.
In the last couple of years the Operating Margin of SLF-PR-D has declined.
| 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-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
SLF-PR-D has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
SLF-PR-D's Debt to FCF ratio of 1.54 is fine compared to the rest of the industry. SLF-PR-D outperforms 75.32% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-D is not too dependend on debt financing.
SLF-PR-D's Debt to Equity ratio of 0.25 is amongst the best of the industry. SLF-PR-D outperforms 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.16%
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 8.63% 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.
The Revenue has been growing slightly by 7.10% in the past year.
The Revenue has been growing slightly by 0.65% on average over the past years.
EPS 1Y (TTM)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
3.2 Future
Based on estimates for the next years, SLF-PR-D will show a small growth in Earnings Per Share. The EPS will grow by 5.97% on average per year.
Based on estimates for the next years, SLF-PR-D will show a very strong growth in Revenue. The Revenue will grow by 31.70% on average per year.
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y5.97%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.7%
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 3.08.
Based on the Price/Earnings ratio, SLF-PR-D is valued cheaper than 80.52% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, SLF-PR-D is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.73, the valuation of SLF-PR-D can be described as very cheap.
Based on the Price/Forward Earnings ratio, SLF-PR-D is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.71, SLF-PR-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.08 | ||
| Fwd PE | 2.73 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLF-PR-D is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.96 | ||
| 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)0.29
PEG (5Y)0.58
EPS Next 2Y9.25%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
SLF-PR-D has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
SLF-PR-D's Dividend Yield is slightly below the industry average, which is at 3.91.
SLF-PR-D's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
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.
The dividend of SLF-PR-D decreased in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
62.09% of the earnings are spent on dividend by SLF-PR-D. 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.
DP62.09%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-D (9/15/2025, 7:00:00 PM)
21.68
-0.09 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap12.22B
Analysts74.12
Price Target23.82 (9.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years0
Div Non Decr Years2
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)0.75%
PT rev (3m)11.65%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)-4.6%
EPS NY rev (1m)0.94%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.85%
Revenue NY rev (3m)-5.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.08 | ||
| Fwd PE | 2.73 | ||
| P/S | 0.35 | ||
| P/FCF | 2.96 | ||
| P/OCF | 2.86 | ||
| P/B | 0.49 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY32.52%
EPS(NY)7.95
Fwd EY36.66%
FCF(TTM)7.33
FCFY33.83%
OCF(TTM)7.58
OCFY34.95%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.29
PEG (5Y)0.58
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC5.16%
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)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y5.97%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.7%
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%