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
Overall SLF-PR-D gets a fundamental rating of 5 out of 10. We evaluated SLF-PR-D against 82 industry peers in the Insurance industry. SLF-PR-D has only an average score on both its financial health and profitability. SLF-PR-D has a correct valuation and a medium growth rate.
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.
In the past 5 years SLF-PR-D has always 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 (0.85%) than 70.73% of its industry peers.
SLF-PR-D has a Return On Equity of 12.17%. This is amongst the best in the industry. SLF-PR-D outperforms 82.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 12.17% | ||
| 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
SLF-PR-D has a Profit Margin of 9.26%. This is comparable to the rest of the industry: SLF-PR-D outperforms 52.44% of its industry peers.
In the last couple of years the Profit Margin of SLF-PR-D has grown nicely.
SLF-PR-D has a Operating Margin of 14.74%. This is amonst the worse of the industry: SLF-PR-D underperforms 86.59% of its industry peers.
SLF-PR-D's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.74% | ||
| PM (TTM) | 9.26% | ||
| 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.
Compared to 1 year ago, SLF-PR-D has less shares outstanding
The number of shares outstanding for SLF-PR-D has been reduced compared to 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 1.42, which is an excellent value as it means it would take SLF-PR-D, only 1.42 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.42, SLF-PR-D is in the better half of the industry, outperforming 76.83% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-D is not too dependend on debt financing.
SLF-PR-D has a better Debt to Equity ratio (0.25) than 86.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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 10.09%, 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 5.28% on average per year.
SLF-PR-D shows a small growth in Revenue. In the last year, the Revenue has grown by 7.43%.
Measured over the past years, SLF-PR-D shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
EPS 1Y (TTM)10.09%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%21.33%
Revenue 1Y (TTM)7.43%
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 5.25% on average per year.
The Revenue is expected to grow by 32.68% 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 5Y5.25%
Revenue Next Year-1.37%
Revenue Next 2Y1.37%
Revenue Next 3Y2.69%
Revenue Next 5Y32.68%
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 2.89.
76.83% 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 26.57.
A Price/Forward Earnings ratio of 2.52 indicates a rather cheap valuation of SLF-PR-D.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLF-PR-D indicates a rather cheap valuation: SLF-PR-D is cheaper than 82.93% of the companies listed in the same industry.
SLF-PR-D is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.41, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.89 | ||
| Fwd PE | 2.52 |
4.2 Price Multiples
SLF-PR-D's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.53 | ||
| 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)0.3
PEG (5Y)0.55
EPS Next 2Y9.67%
EPS Next 3Y7.75%
5. Dividend
5.1 Amount
SLF-PR-D has a Yearly Dividend Yield of 3.98%. 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 5.17.
Compared to an average S&P500 Dividend Yield of 2.40, SLF-PR-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
5.2 History
The dividend of SLF-PR-D is nicely growing with an annual growth rate of 8.81%!
SLF-PR-D has been paying a dividend for at least 10 years, so it has 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 62.71% 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.
DP62.71%
EPS Next 2Y9.67%
EPS Next 3Y7.75%
SUN LIFE FINANCIAL INC - SLFCN 4.45 PERP
TSX:SLF-PR-D (6/16/2025, 7:00:00 PM)
20.16
-0.04 (-0.2%)
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 Cap11.40B
Analysts77.65
Price Target21.33 (5.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.71%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.52%
Min EPS beat(2)-6.68%
Max EPS beat(2)5.64%
EPS beat(4)3
Avg EPS beat(4)2.44%
Min EPS beat(4)-6.68%
Max EPS beat(4)8.08%
EPS beat(8)6
Avg EPS beat(8)0.71%
EPS beat(12)9
Avg EPS beat(12)2.6%
EPS beat(16)12
Avg EPS beat(16)2.08%
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)-0.12%
PT rev (3m)-9.52%
EPS NQ rev (1m)0.6%
EPS NQ rev (3m)-1.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.89 | ||
| Fwd PE | 2.52 | ||
| P/S | 0.33 | ||
| P/FCF | 2.53 | ||
| P/OCF | 2.46 | ||
| P/B | 0.44 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.98
EY34.62%
EPS(NY)8.01
Fwd EY39.74%
FCF(TTM)7.97
FCFY39.54%
OCF(TTM)8.2
OCFY40.68%
SpS60.35
BVpS45.92
TBVpS19.44
PEG (NY)0.3
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 12.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.74% | ||
| PM (TTM) | 9.26% | ||
| GM | N/A | ||
| FCFM | 13.21% |
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 | 1.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.38% | ||
| Interest Coverage | 13.63 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.67% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.58%
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)10.09%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%21.33%
EPS Next Y9.75%
EPS Next 2Y9.67%
EPS Next 3Y7.75%
EPS Next 5Y5.25%
Revenue 1Y (TTM)7.43%
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 5Y32.68%
EBIT growth 1Y9.14%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.18%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y-3.44%
OCF growth 3YN/A
OCF growth 5Y0.46%