SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) Fundamental Analysis & Valuation

TSX:SLF-PR-E • CA8667966003

Current stock price

21.61 CAD
-0.03 (-0.14%)
Last:

This SLF-PR-E.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SLF-PR-E.CA Profitability Analysis

1.1 Basic Checks

  • In the past year SLF-PR-E was profitable.
  • SLF-PR-E had a positive operating cash flow in the past year.
  • 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.
SLF-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.87%, SLF-PR-E is in the better half of the industry, outperforming 70.89% of the companies in the same industry.
  • With a decent Return On Equity value of 13.76%, SLF-PR-E is doing good in the industry, outperforming 77.22% of the companies in the same industry.
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
ROIC(3y)N/A
ROIC(5y)N/A
SLF-PR-E.CA Yearly ROA, ROE, ROICSLF-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • SLF-PR-E has a Profit Margin (9.90%) which is in line with 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 15.17%, SLF-PR-E is not doing good in the industry: 72.15% 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 RankSector Rank
OM 15.17%
PM (TTM) 9.9%
GM N/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
SLF-PR-E.CA Yearly Profit, Operating, Gross MarginsSLF-PR-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40

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2

2. SLF-PR-E.CA Health Analysis

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.
  • SLF-PR-E has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SLF-PR-E is higher compared to a year ago.
SLF-PR-E.CA Yearly Shares OutstandingSLF-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
SLF-PR-E.CA Yearly Total Debt VS Total AssetsSLF-PR-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of SLF-PR-E is 3.15, which is a good value as it means it would take SLF-PR-E, 3.15 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.15, SLF-PR-E is in line with its industry, outperforming 55.70% of the companies in the same industry.
  • A Debt/Equity ratio of 0.33 indicates that SLF-PR-E is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.33, SLF-PR-E is not doing good in the industry: 62.03% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC4.17%
SLF-PR-E.CA Yearly LT Debt VS Equity VS FCFSLF-PR-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF-PR-E.CA Yearly Current Assets VS Current LiabilitesSLF-PR-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SLF-PR-E.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.56% over the past year.
  • The Earnings Per Share has been growing slightly by 6.28% on average over the past years.
  • The Revenue has been growing slightly by 4.34% in the past year.
  • Measured over the past years, SLF-PR-E shows a decrease in Revenue. The Revenue has been decreasing by -0.77% on average per year.
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.63% 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 32.58% on average per year.
EPS Next Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y5.63%
Revenue Next Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
Revenue Next 5Y32.58%

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 stable.
  • 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.
SLF-PR-E.CA Yearly Revenue VS EstimatesSLF-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B 50B
SLF-PR-E.CA Yearly EPS VS EstimatesSLF-PR-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8

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6

4. SLF-PR-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.91 indicates a rather cheap valuation of SLF-PR-E.
  • Based on the Price/Earnings ratio, SLF-PR-E is valued cheaper than 82.28% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, SLF-PR-E is valued rather cheaply.
  • SLF-PR-E is valuated cheaply with a Price/Forward Earnings ratio of 2.68.
  • Based on the Price/Forward Earnings ratio, SLF-PR-E is valued cheaper than 83.54% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SLF-PR-E to the average of the S&P500 Index (21.36), we can say SLF-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 2.91
Fwd PE 2.68
SLF-PR-E.CA Price Earnings VS Forward Price EarningsSLF-PR-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SLF-PR-E's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 4.51
EV/EBITDA N/A
SLF-PR-E.CA Per share dataSLF-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.34
PEG (5Y)0.46
EPS Next 2Y8.65%
EPS Next 3Y8.39%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. SLF-PR-E.CA Dividend Analysis

5.1 Amount

  • SLF-PR-E has a Yearly Dividend Yield of 3.76%.
  • Compared to an average industry Dividend Yield of 3.60, SLF-PR-E pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, SLF-PR-E pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.76%

5.2 History

  • On average, the dividend of SLF-PR-E grows each year by 9.56%, which is quite nice.
  • 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)9.56%
Div Incr Years0
Div Non Decr Years18
SLF-PR-E.CA Yearly Dividends per shareSLF-PR-E.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SLF-PR-E pays out 59.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of SLF-PR-E is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
SLF-PR-E.CA Yearly Income VS Free CF VS DividendSLF-PR-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B
SLF-PR-E.CA Dividend Payout.SLF-PR-E.CA Dividend Payout, showing the Payout Ratio.SLF-PR-E.CA Dividend Payout.PayoutRetained Earnings

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SLF-PR-E.CA Fundamentals: All Metrics, Ratios and Statistics

SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP

TSX:SLF-PR-E (5/1/2026, 7:00:00 PM)

21.61

-0.03 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength39.06
Industry Growth33.58
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.3%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap11.97B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target22.32 (3.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years0
Div Non Decr Years18
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.1%
Min EPS beat(2)0.48%
Max EPS beat(2)3.72%
EPS beat(4)3
Avg EPS beat(4)2.39%
Min EPS beat(4)-0.3%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.44%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)12
Avg EPS beat(16)2.24%
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)-9.38%
PT rev (3m)-7.21%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.36%
Revenue NY rev (3m)5.36%
Valuation
Industry RankSector Rank
PE 2.91
Fwd PE 2.68
P/S 0.34
P/FCF 4.51
P/OCF 4.28
P/B 0.47
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)7.43
EY34.38%
EPS(NY)8.07
Fwd EY37.34%
FCF(TTM)4.79
FCFY22.17%
OCF(TTM)5.05
OCFY23.38%
SpS63.33
BVpS45.54
TBVpS19.03
PEG (NY)0.34
PEG (5Y)0.46
Graham Number87.2506 (303.75%)
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 15.17%
PM (TTM) 9.9%
GM N/A
FCFM 7.56%
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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)1.39%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.41%
Interest Coverage 15
Cash Conversion N/A
Profit Quality 76.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.17%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)110.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
EPS Next Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y5.63%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
Revenue Next 5Y32.58%
EBIT growth 1Y6.42%
EBIT growth 3Y-37.98%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.09%
FCF growth 3Y-14.93%
FCF growth 5Y-17.85%
OCF growth 1Y10.55%
OCF growth 3Y-13.41%
OCF growth 5Y-17.34%

SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP / SLF-PR-E.CA Fundamental Analysis 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 of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) 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.


What is the profitability of SLF-PR-E stock?

SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) has a profitability rating of 4 / 10.


How financially healthy is SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP?

The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is 2 / 10.


What is the earnings growth outlook for SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is expected to grow by 8.62% in the next year.