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
21.7 CAD
-0.1 (-0.46%)
SLF-PR-E gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. SLF-PR-E may be in some trouble as it scores bad on both profitability and health. 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.
SLF-PR-E had a positive operating cash flow in the past year.
SLF-PR-E had positive earnings in each of the past 5 years.
Of the past 5 years SLF-PR-E 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, SLF-PR-E is in the better half of the industry, outperforming 67.07% of the companies in the same industry.
SLF-PR-E has a Return On Equity of 11.62%. This is comparable to the rest of the industry: SLF-PR-E outperforms 40.24% of its industry peers.
| 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
With a Profit Margin value of 8.57%, SLF-PR-E is not doing good in the industry: 62.20% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SLF-PR-E has grown nicely.
The Operating Margin of SLF-PR-E (13.88%) is worse than 90.24% of its industry peers.
SLF-PR-E's Operating Margin has declined in the last couple of years.
| 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.
SLF-PR-E has less shares outstanding than it did 1 year ago.
SLF-PR-E has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SLF-PR-E has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-E is 3.56, which is a good value as it means it would take SLF-PR-E, 3.56 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SLF-PR-E (3.56) is worse than 60.98% of its industry peers.
SLF-PR-E has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
SLF-PR-E has a Debt to Equity ratio of 0.29. This is comparable to the rest of the industry: SLF-PR-E outperforms 42.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.41%
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 been growing slightly by 7.36% over the past year.
Measured over the past 5 years, SLF-PR-E shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
The Revenue has been growing slightly by 5.51% in the past year.
SLF-PR-E shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.65% yearly.
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
Based on estimates for the next years, SLF-PR-E will show a small growth in Earnings Per Share. The EPS will grow by 7.41% on average per year.
The Revenue is expected to grow by 29.47% on average over the next years. This is a very strong growth
EPS Next Y11.28%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
EPS Next 5Y7.41%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.47%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
The Price/Earnings ratio is 3.03, which indicates a rather cheap valuation of SLF-PR-E.
SLF-PR-E's Price/Earnings ratio is rather cheap when compared to the industry. SLF-PR-E is cheaper than 80.49% of the companies in the same industry.
SLF-PR-E is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 2.71, which indicates a rather cheap valuation of SLF-PR-E.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLF-PR-E indicates a rather cheap valuation: SLF-PR-E is cheaper than 81.71% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.69. SLF-PR-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.03 | ||
| Fwd PE | 2.71 |
4.2 Price Multiples
80.49% of the companies in the same industry are cheaper than SLF-PR-E, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.84 | ||
| 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)0.27
PEG (5Y)0.58
EPS Next 2Y9.69%
EPS Next 3Y9.49%
5. Dividend
5.1 Amount
SLF-PR-E has a Yearly Dividend Yield of 4.57%, which is a nice return.
Compared to an average industry Dividend Yield of 4.30, SLF-PR-E has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, SLF-PR-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
5.2 History
On average, the dividend of SLF-PR-E grows each year by 8.81%, which is quite nice.
SLF-PR-E has been paying a dividend for at least 10 years, so it has a reliable track record.
SLF-PR-E has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 2Y9.69%
EPS Next 3Y9.49%
SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP
TSX:SLF-PR-E (12/5/2025, 7:00:00 PM)
21.7
-0.1 (-0.46%)
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 Cap12.10B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target25.43 (17.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
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)6.75%
PT rev (3m)3.35%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)0.06%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.16%
Revenue NY rev (3m)1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.03 | ||
| Fwd PE | 2.71 | ||
| P/S | 0.35 | ||
| P/FCF | 5.84 | ||
| P/OCF | 5.47 | ||
| P/B | 0.47 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY32.95%
EPS(NY)8.01
Fwd EY36.93%
FCF(TTM)3.72
FCFY17.12%
OCF(TTM)3.96
OCFY18.27%
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
WACC4.41%
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 Y11.28%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
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-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
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 3.03 and the Price/Book (PB) ratio is 0.47.
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 11.28% in the next year.