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

TSX:SLF-PR-E • CA8667966003

Current stock price

21.19 CAD
-0.06 (-0.28%)
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

  • SLF-PR-E had positive earnings in the past year.
  • 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.
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

  • SLF-PR-E has a better Return On Assets (0.87%) than 72.15% of its industry peers.
  • SLF-PR-E has a better Return On Equity (13.76%) than 78.48% of its industry peers.
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

  • The Profit Margin of SLF-PR-E (9.90%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of SLF-PR-E has grown nicely.
  • SLF-PR-E has a Operating Margin of 15.17%. This is in the lower half of the industry: SLF-PR-E underperforms 69.62% of its industry peers.
  • SLF-PR-E's Operating Margin has declined in the last couple of years.
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.
  • Compared to 5 years ago, SLF-PR-E has less shares outstanding
  • SLF-PR-E has a worse debt/assets ratio than last year.
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.
  • SLF-PR-E has a Debt to FCF ratio (3.15) which is comparable to the rest of the 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: 60.76% 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
WACC4.2%
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

  • SLF-PR-E shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.56%, which is quite good.
  • SLF-PR-E shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.28% yearly.
  • Looking at the last year, SLF-PR-E shows a small growth in Revenue. The Revenue has grown by 4.34% in the last year.
  • SLF-PR-E shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.77% yearly.
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

  • Based on estimates for the next years, SLF-PR-E will show a small growth in Earnings Per Share. The EPS will grow by 6.32% on average per year.
  • SLF-PR-E is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.91% yearly.
EPS Next Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%

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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 10B 20B 30B 40B
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 2 4 6 8

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6

4. SLF-PR-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • SLF-PR-E is valuated cheaply with a Price/Earnings ratio of 2.85.
  • Based on the Price/Earnings ratio, SLF-PR-E is valued cheaper than 83.54% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. SLF-PR-E is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 2.62, 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 84.81% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. SLF-PR-E is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.85
Fwd PE 2.62
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 4.42
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

  • 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)0.33
PEG (5Y)0.45
EPS Next 2Y8.68%
EPS Next 3Y8.36%

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8

5. SLF-PR-E.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.32%, SLF-PR-E is a good candidate for dividend investing.
  • SLF-PR-E's Dividend Yield is a higher than the industry average which is at 3.85.
  • SLF-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

  • The dividend of SLF-PR-E is nicely growing with an annual growth rate of 9.56%!
  • SLF-PR-E has paid a dividend for at least 10 years, which is 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)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 2Y8.68%
EPS Next 3Y8.36%
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 (4/10/2026, 7:00:00 PM)

21.19

-0.06 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.8%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap11.74B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target24.63 (16.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
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)0%
PT rev (3m)1.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 2.85
Fwd PE 2.62
P/S 0.33
P/FCF 4.42
P/OCF 4.19
P/B 0.47
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)7.43
EY35.06%
EPS(NY)8.08
Fwd EY38.12%
FCF(TTM)4.79
FCFY22.61%
OCF(TTM)5.05
OCFY23.84%
SpS63.34
BVpS45.54
TBVpS19.03
PEG (NY)0.33
PEG (5Y)0.45
Graham Number87.25
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
WACC4.2%
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 Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%
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 8.73% in the next year.