SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-E - CA8667966003
22.18 CAD
-0.26 (-1.16%)
We assign a fundamental rating of 5 out of 10 to SLF-PR-E. SLF-PR-E was compared to 81 industry peers in the Insurance industry. SLF-PR-E has only an average score on both its financial health and profitability. SLF-PR-E has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SLF-PR-E was profitable.
In the past year SLF-PR-E had a positive cash flow from operations.
Each year in the past 5 years SLF-PR-E has been profitable.
SLF-PR-E had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SLF-PR-E has a better Return On Assets (0.86%) than 67.90% of its industry peers.
SLF-PR-E has a better Return On Equity (12.85%) than 82.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| 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
Looking at the Profit Margin, with a value of 9.34%, SLF-PR-E is in line with its industry, outperforming 50.62% of the companies in the same industry.
SLF-PR-E's Profit Margin has improved in the last couple of years.
The Operating Margin of SLF-PR-E (14.71%) is worse than 90.12% of its industry peers.
SLF-PR-E's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| 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.
Compared to 1 year ago, SLF-PR-E has less shares outstanding
Compared to 5 years ago, SLF-PR-E has less shares outstanding
SLF-PR-E has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-E is 1.54, which is an excellent value as it means it would take SLF-PR-E, only 1.54 years of fcf income to pay off all of its debts.
SLF-PR-E has a better Debt to FCF ratio (1.54) than 74.07% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-E is not too dependend on debt financing.
SLF-PR-E's Debt to Equity ratio of 0.25 is amongst the best of the industry. SLF-PR-E outperforms 83.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.84%
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 8.63% over the past year.
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 7.10%.
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)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
3.2 Future
The Earnings Per Share is expected to grow by 6.03% on average over the next years.
Based on estimates for the next years, SLF-PR-E will show a very strong growth in Revenue. The Revenue will grow by 31.77% on average per year.
EPS Next Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.77%
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
The Price/Earnings ratio is 3.15, which indicates a rather cheap valuation of SLF-PR-E.
Based on the Price/Earnings ratio, SLF-PR-E is valued cheaper than 81.48% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.83, SLF-PR-E is valued rather cheaply.
A Price/Forward Earnings ratio of 2.79 indicates a rather cheap valuation of SLF-PR-E.
Based on the Price/Forward Earnings ratio, SLF-PR-E is valued cheaply inside the industry as 82.72% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SLF-PR-E to the average of the S&P500 Index (32.68), we can say SLF-PR-E is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.15 | ||
| Fwd PE | 2.79 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SLF-PR-E.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.02 | ||
| 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)0.29
PEG (5Y)0.6
EPS Next 2Y9.27%
EPS Next 3Y8.83%
5. Dividend
5.1 Amount
SLF-PR-E has a Yearly Dividend Yield of 3.25%.
SLF-PR-E's Dividend Yield is comparable with the industry average which is at 3.71.
SLF-PR-E's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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 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 62.09% 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.
DP62.09%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP
TSX:SLF-PR-E (11/7/2025, 7:00:00 PM)
22.18
-0.26 (-1.16%)
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 Cap12.50B
Revenue(TTM)34.58B
Net Income(TTM)3.23B
Analysts74.74
Price Target23.82 (7.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years0
Div Non Decr Years17
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.67%
Min EPS beat(2)-0.3%
Max EPS beat(2)5.64%
EPS beat(4)2
Avg EPS beat(4)0.35%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.65%
EPS beat(12)8
Avg EPS beat(12)1.91%
EPS beat(16)11
Avg EPS beat(16)2%
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)-0.08%
PT rev (3m)3.58%
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)-1.73%
EPS NY rev (1m)0%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.15 | ||
| Fwd PE | 2.79 | ||
| P/S | 0.36 | ||
| P/FCF | 3.02 | ||
| P/OCF | 2.93 | ||
| P/B | 0.5 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY31.79%
EPS(NY)7.95
Fwd EY35.85%
FCF(TTM)7.33
FCFY33.07%
OCF(TTM)7.58
OCFY34.16%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.29
PEG (5Y)0.6
Graham Number84.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| GM | N/A | ||
| FCFM | 11.95% |
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-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 13.42 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC4.84%
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)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
EPS Next Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.77%
EBIT growth 1Y9.45%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.89%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y37.39%
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 5 / 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 4 / 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 3.15 and the Price/Book (PB) ratio is 0.5.
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 10.83% in the next year.