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

TSX:SLF-PR-D • CA8667965013

21.5 CAD
+0.02 (+0.09%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

SLF-PR-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 78 industry peers in the Insurance industry. SLF-PR-D has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-D is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year SLF-PR-D was profitable.
  • SLF-PR-D had a positive operating cash flow in the past year.
  • Of the past 5 years SLF-PR-D 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: SLF-PR-D reported negative operating cash flow in multiple years.
SLF-PR-D.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-D.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 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-D's Return On Assets of 0.76% is fine compared to the rest of the industry. SLF-PR-D outperforms 70.51% of its industry peers.
  • SLF-PR-D has a Return On Equity of 11.62%. This is comparable to the rest of the industry: SLF-PR-D outperforms 41.03% of its industry peers.
Industry RankSector 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
SLF-PR-D.CA Yearly ROA, ROE, ROICSLF-PR-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • SLF-PR-D has a Profit Margin of 8.57%. This is in the lower half of the industry: SLF-PR-D underperforms 60.26% of its industry peers.
  • SLF-PR-D's Profit Margin has improved in the last couple of years.
  • The Operating Margin of SLF-PR-D (13.88%) is worse than 71.79% of its industry peers.
  • In the last couple of years the Operating Margin of SLF-PR-D has declined.
Industry RankSector 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
SLF-PR-D.CA Yearly Profit, Operating, Gross MarginsSLF-PR-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • There is no outstanding debt for SLF-PR-D. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SLF-PR-D.CA Yearly Shares OutstandingSLF-PR-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-D.CA Yearly Total Debt VS Total AssetsSLF-PR-D.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • SLF-PR-D has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-D would need 3.56 years to pay back of all of its debts.
  • SLF-PR-D's Debt to FCF ratio of 3.56 is on the low side compared to the rest of the industry. SLF-PR-D is outperformed by 61.54% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that SLF-PR-D is not too dependend on debt financing.
  • SLF-PR-D has a Debt to Equity ratio (0.29) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.78%
SLF-PR-D.CA Yearly LT Debt VS Equity VS FCFSLF-PR-D.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF-PR-D.CA Yearly Current Assets VS Current LiabilitesSLF-PR-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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

4

3. Growth

3.1 Past

  • SLF-PR-D shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.87%, which is quite good.
  • Measured over the past 5 years, SLF-PR-D shows a small growth in Earnings Per Share. The EPS has been growing by 6.15% on average per year.
EPS 1Y (TTM)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%

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 5.92% yearly.
  • SLF-PR-D is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.16% yearly.
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
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.
SLF-PR-D.CA Yearly Revenue VS EstimatesSLF-PR-D.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-D.CA Yearly EPS VS EstimatesSLF-PR-D.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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.91 indicates a rather cheap valuation of SLF-PR-D.
  • Based on the Price/Earnings ratio, SLF-PR-D is valued cheaper than 84.62% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.19. SLF-PR-D is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 2.68 indicates a rather cheap valuation of SLF-PR-D.
  • Based on the Price/Forward Earnings ratio, SLF-PR-D is valued cheaper than 85.90% of the companies in the same industry.
  • SLF-PR-D is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.91
Fwd PE 2.68
SLF-PR-D.CA Price Earnings VS Forward Price EarningsSLF-PR-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 5.79
EV/EBITDA N/A
SLF-PR-D.CA Per share dataSLF-PR-D.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)0.34
PEG (5Y)0.47
EPS Next 2Y8.87%
EPS Next 3Y6.39%

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

4

5. Dividend

5.1 Amount

  • SLF-PR-D has a Yearly Dividend Yield of 3.93%.
  • SLF-PR-D's Dividend Yield is slightly below the industry average, which is at 3.92.
  • Compared to an average S&P500 Dividend Yield of 1.82, SLF-PR-D pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.93%

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
SLF-PR-D.CA Yearly Dividends per shareSLF-PR-D.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 67.93% of the earnings are spent on dividend by SLF-PR-D. This is not a sustainable payout ratio.
  • The dividend of SLF-PR-D is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
SLF-PR-D.CA Yearly Income VS Free CF VS DividendSLF-PR-D.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
SLF-PR-D.CA Dividend Payout.SLF-PR-D.CA Dividend Payout, showing the Payout Ratio.SLF-PR-D.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP

TSX:SLF-PR-D (2/13/2026, 7:00:00 PM)

21.5

+0.02 (+0.09%)

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 Cap11.98B
Revenue(TTM)N/A
Net Income(TTM)2.99B
Analysts73.68
Price Target23.84 (10.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years2
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)-1.14%
PT rev (3m)-5.38%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.16%
Valuation
Industry RankSector Rank
PE 2.91
Fwd PE 2.68
P/S 0.34
P/FCF 5.79
P/OCF 5.42
P/B 0.47
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)7.38
EY34.33%
EPS(NY)8.01
Fwd EY37.28%
FCF(TTM)3.72
FCFY17.28%
OCF(TTM)3.96
OCFY18.44%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.34
PEG (5Y)0.47
Graham Number87.5
Profitability
Industry RankSector 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 RankSector 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
WACC4.78%
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)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%
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 3 / 10 to SLF-PR-D.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-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 valuation of SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) is 2.91 and the Price/Book (PB) ratio is 0.47.


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 8.55% in the next year.