SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP (SLF-PR-D.CA) Stock Fundamental Analysis
TSX:SLF-PR-D - Toronto Stock Exchange - CA8667965013 - Currency: CAD
We assign a fundamental rating of 4 out of 10 to SLF-PR-D. SLF-PR-D was compared to 81 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 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 (0.82%) than 67.90% of its industry peers.
SLF-PR-D has a Return On Equity (11.70%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 11.7% | ||
| 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 (9.07%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SLF-PR-D has grown nicely.
SLF-PR-D has a worse Operating Margin (14.88%) than 81.48% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-D has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.88% | ||
| PM (TTM) | 9.07% | ||
| 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.
Compared to 1 year ago, SLF-PR-D has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-D is 2.67, which is a good value as it means it would take SLF-PR-D, 2.67 years of fcf income to pay off all of its debts.
SLF-PR-D has a Debt to FCF ratio of 2.67. This is comparable to the rest of the industry: SLF-PR-D outperforms 43.21% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that SLF-PR-D is not too dependend on debt financing.
The Debt to Equity ratio of SLF-PR-D (0.24) is better than 86.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 2.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.02%
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 9.27% 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.
Looking at the last year, SLF-PR-D shows a quite strong growth in Revenue. The Revenue has grown by 8.17% in the last year.
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)9.27%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%17.86%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%57.84%
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 5.14% on average per year.
The Revenue is expected to grow by 32.54% on average over the next years. This is a very strong growth
EPS Next Y9.75%
EPS Next 2Y9.67%
EPS Next 3Y7.75%
EPS Next 5Y5.14%
Revenue Next Year-1.37%
Revenue Next 2Y1.37%
Revenue Next 3Y2.69%
Revenue Next 5Y32.54%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 2.98, the valuation of SLF-PR-D can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of SLF-PR-D indicates a somewhat cheap valuation: SLF-PR-D is cheaper than 76.54% of the companies listed in the same industry.
SLF-PR-D is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 2.58 indicates a rather cheap valuation of SLF-PR-D.
Based on the Price/Forward Earnings ratio, SLF-PR-D is valued cheaper than 80.25% of the companies in the same industry.
SLF-PR-D's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.58 |
4.2 Price Multiples
SLF-PR-D's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SLF-PR-D is more expensive than 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.96 | ||
| 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)0.31
PEG (5Y)0.56
EPS Next 2Y9.67%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
SLF-PR-D has a Yearly Dividend Yield of 3.99%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.38, SLF-PR-D has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, SLF-PR-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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
64.35% 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.
DP64.35%
EPS Next 2Y9.67%
EPS Next 3Y7.75%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-D (5/20/2025, 7:00:00 PM)
20.65
-0.11 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.34%
Inst Owner ChangeN/A
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap11.85B
Analysts77.78
Price Target21.36 (3.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP64.35%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.97%
Min EPS beat(2)-6.68%
Max EPS beat(2)2.73%
EPS beat(4)2
Avg EPS beat(4)-1.51%
Min EPS beat(4)-10.16%
Max EPS beat(4)8.08%
EPS beat(8)5
Avg EPS beat(8)-0.05%
EPS beat(12)9
Avg EPS beat(12)2.19%
EPS beat(16)11
Avg EPS beat(16)1.62%
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)-5.69%
PT rev (3m)-4.89%
EPS NQ rev (1m)-0.48%
EPS NQ rev (3m)-5.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-6.66%
Revenue NY rev (3m)-6.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.58 | ||
| P/S | 0.35 | ||
| P/FCF | 4.96 | ||
| P/OCF | 4.68 | ||
| P/B | 0.45 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.93
EY33.56%
EPS(NY)8.01
Fwd EY38.79%
FCF(TTM)4.16
FCFY20.16%
OCF(TTM)4.41
OCFY21.37%
SpS58.6
BVpS45.4
TBVpS20.11
PEG (NY)0.31
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 11.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.88% | ||
| PM (TTM) | 9.07% | ||
| GM | N/A | ||
| FCFM | 7.1% |
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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 2.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.43% | ||
| Interest Coverage | 12.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 78.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.02%
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)9.27%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%17.86%
EPS Next Y9.75%
EPS Next 2Y9.67%
EPS Next 3Y7.75%
EPS Next 5Y5.14%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%57.84%
Revenue Next Year-1.37%
Revenue Next 2Y1.37%
Revenue Next 3Y2.69%
Revenue Next 5Y32.54%
EBIT growth 1Y11.6%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-56.08%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y-54.88%
OCF growth 3YN/A
OCF growth 5Y0.46%