SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-E - CA8667966003
21.92 CAD
+0.15 (+0.69%)
Overall SLF-PR-E gets a fundamental rating of 4 out of 10. We evaluated SLF-PR-E against 81 industry peers in the Insurance industry. SLF-PR-E has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-E has a correct valuation and a medium growth rate. SLF-PR-E also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SLF-PR-E had positive earnings in the past year.
In the past year SLF-PR-E had a positive cash flow from operations.
SLF-PR-E had positive earnings in each of the past 5 years.
SLF-PR-E had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.76%, SLF-PR-E is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.62%, SLF-PR-E is in line with its industry, outperforming 40.74% of the companies in the same industry.
| 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-E (8.57%) is worse than 62.96% of its industry peers.
In the last couple of years the Profit Margin of SLF-PR-E has grown nicely.
With a Operating Margin value of 13.88%, SLF-PR-E is not doing good in the industry: 90.12% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of SLF-PR-E has declined.
| 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-E does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SLF-PR-E has been reduced compared to 1 year ago.
Compared to 5 years ago, SLF-PR-E has less shares outstanding
The debt/assets ratio for SLF-PR-E has been reduced compared to a year ago.
2.2 Solvency
SLF-PR-E has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-E would need 3.56 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.56, SLF-PR-E is doing worse than 61.73% of the companies in the same industry.
SLF-PR-E has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SLF-PR-E (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
WACC4.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-E shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.36%.
The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
SLF-PR-E shows a small growth in Revenue. In the last year, the Revenue has grown by 5.51%.
Measured over the past years, SLF-PR-E shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
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-E is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.41% yearly.
Based on estimates for the next years, SLF-PR-E will show a very strong growth in Revenue. The Revenue will grow by 29.47% on average per year.
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y7.41%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y29.47%
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 accelerating.
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
With a Price/Earnings ratio of 3.07, the valuation of SLF-PR-E can be described as very cheap.
Based on the Price/Earnings ratio, SLF-PR-E is valued cheaper than 80.25% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.41. SLF-PR-E is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.72, the valuation of SLF-PR-E can be described as very cheap.
Based on the Price/Forward Earnings ratio, SLF-PR-E is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, SLF-PR-E is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.07 | ||
| Fwd PE | 2.72 |
4.2 Price Multiples
SLF-PR-E's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SLF-PR-E is more expensive than 80.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SLF-PR-E'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)0.58
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.48%, SLF-PR-E is a good candidate for dividend investing.
SLF-PR-E's Dividend Yield is comparable with the industry average which is at 4.32.
SLF-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
5.2 History
The dividend of SLF-PR-E is nicely growing with an annual growth rate of 8.81%!
SLF-PR-E has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-E has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
SLF-PR-E pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SLF-PR-E is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP
TSX:SLF-PR-E (12/3/2025, 7:00:00 PM)
21.92
+0.15 (+0.69%)
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 Cap12.22B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target24.88 (13.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years17
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)5.95%
PT rev (3m)0.72%
EPS NQ rev (1m)-1.33%
EPS NQ rev (3m)-0.64%
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 | 3.07 | ||
| Fwd PE | 2.72 | ||
| P/S | 0.35 | ||
| P/FCF | 5.9 | ||
| P/OCF | 5.53 | ||
| P/B | 0.48 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY32.62%
EPS(NY)8.05
Fwd EY36.72%
FCF(TTM)3.72
FCFY16.95%
OCF(TTM)3.96
OCFY18.09%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.27
PEG (5Y)0.58
Graham Number86.12
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
WACC4.42%
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 5Y7.41%
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 5Y29.47%
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 1/2 PERP / SLF-PR-E.CA FAQ
What is the fundamental rating for SLF-PR-E stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-E.CA.
What is the valuation status for SLF-PR-E stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP?
SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) has a profitability rating of 3 / 10.
What are the PE and PB ratios of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) stock?
The Price/Earnings (PE) ratio for SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is 3.07 and the Price/Book (PB) ratio is 0.48.
Can you provide the expected EPS growth for SLF-PR-E stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is expected to grow by 11.21% in the next year.