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
21.8 CAD
-0.03 (-0.14%)
SLF-PR-E gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 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.
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
The Return On Assets of SLF-PR-E (0.76%) is better than 69.14% of its industry peers.
SLF-PR-E's Return On Equity of 11.62% is in line compared to the rest of the industry. SLF-PR-E outperforms 41.98% 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: 60.49% of the companies in the same industry are doing better.
SLF-PR-E's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 13.88%, SLF-PR-E is doing worse than 70.37% of the companies in the same industry.
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.
Compared to 1 year ago, SLF-PR-E has less shares outstanding
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.
SLF-PR-E's Debt to FCF ratio of 3.56 is in line compared to the rest of the industry. SLF-PR-E outperforms 40.74% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-E is not too dependend on debt financing.
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 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.92%
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.
Looking at the last year, SLF-PR-E shows a small growth in Revenue. The Revenue has grown by 5.51% in the last 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
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 Y11.3%
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
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
Based on the Price/Earnings ratio of 3.05, the valuation of SLF-PR-E can be described as very cheap.
SLF-PR-E's Price/Earnings ratio is rather cheap when compared to the industry. SLF-PR-E is cheaper than 82.72% of the companies in the same industry.
SLF-PR-E is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
SLF-PR-E is valuated cheaply with a Price/Forward Earnings ratio of 2.72.
Based on the Price/Forward Earnings ratio, SLF-PR-E is valued cheaper than 83.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. SLF-PR-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.05 | ||
| Fwd PE | 2.72 |
4.2 Price Multiples
SLF-PR-E's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLF-PR-E is more expensive than 60.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.87 | ||
| 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
With a Yearly Dividend Yield of 4.30%, SLF-PR-E is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.57, SLF-PR-E is paying slightly less dividend.
SLF-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
5.2 History
The dividend of SLF-PR-E is nicely growing with an annual growth rate of 8.81%!
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
67.93% of the earnings are spent on dividend by SLF-PR-E. 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 (12/31/2025, 7:00:00 PM)
21.8
-0.03 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.15B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target24.3 (11.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years17
Ex-DateN/A
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)-2.34%
PT rev (3m)3.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.05 | ||
| Fwd PE | 2.72 | ||
| P/S | 0.35 | ||
| P/FCF | 5.87 | ||
| P/OCF | 5.5 | ||
| P/B | 0.47 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY32.8%
EPS(NY)8.01
Fwd EY36.76%
FCF(TTM)3.72
FCFY17.04%
OCF(TTM)3.96
OCFY18.19%
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
WACC4.92%
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 Y11.3%
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 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.
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.
Can you provide the financial health for SLF-PR-E stock?
The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is 3 / 10.
How sustainable is the dividend of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) stock?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4 1/2 PERP (SLF-PR-E.CA) is 6 / 10 and the dividend payout ratio is 67.93%.