SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-G - CA8667968819
19.12 CAD
+0.12 (+0.63%)
SLF-PR-G gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While SLF-PR-G is still in line with the averages on profitability rating, there are concerns on its financial health. SLF-PR-G has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year SLF-PR-G was profitable.
SLF-PR-G had a positive operating cash flow in the past year.
SLF-PR-G had positive earnings in each of the past 5 years.
SLF-PR-G had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.76%, SLF-PR-G is doing good in the industry, outperforming 72.50% of the companies in the same industry.
SLF-PR-G has a Return On Equity of 11.62%. This is in the better half of the industry: SLF-PR-G outperforms 72.50% 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
The Profit Margin of SLF-PR-G (8.57%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SLF-PR-G has grown nicely.
SLF-PR-G has a worse Operating Margin (13.88%) than 87.50% of its industry peers.
SLF-PR-G'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-G does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLF-PR-G has less shares outstanding than it did 1 year ago.
SLF-PR-G has less shares outstanding than it did 5 years ago.
SLF-PR-G has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-G is 3.56, which is a good value as it means it would take SLF-PR-G, 3.56 years of fcf income to pay off all of its debts.
SLF-PR-G's Debt to FCF ratio of 3.56 is in line compared to the rest of the industry. SLF-PR-G outperforms 42.50% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-G is not too dependend on debt financing.
SLF-PR-G's Debt to Equity ratio of 0.29 is in line compared to the rest of the industry. SLF-PR-G outperforms 46.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.02%, which is quite good.
SLF-PR-G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
The Revenue has been growing slightly by 5.51% in the past year.
Measured over the past years, SLF-PR-G shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
EPS 1Y (TTM)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
3.2 Future
Based on estimates for the next years, SLF-PR-G will show a small growth in Earnings Per Share. The EPS will grow by 6.03% on average per year.
Based on estimates for the next years, SLF-PR-G will show a very strong growth in Revenue. The Revenue will grow by 31.96% on average per year.
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 2.66 indicates a rather cheap valuation of SLF-PR-G.
85.00% of the companies in the same industry are more expensive than SLF-PR-G, based on the Price/Earnings ratio.
SLF-PR-G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
The Price/Forward Earnings ratio is 2.38, which indicates a rather cheap valuation of SLF-PR-G.
86.25% of the companies in the same industry are more expensive than SLF-PR-G, based on the Price/Forward Earnings ratio.
SLF-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.66 | ||
| Fwd PE | 2.38 |
4.2 Price Multiples
SLF-PR-G's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLF-PR-G is more expensive than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.2 | ||
| 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)0.24
PEG (5Y)0.5
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
SLF-PR-G has a Yearly Dividend Yield of 4.45%, which is a nice return.
Compared to an average industry Dividend Yield of 4.58, SLF-PR-G is paying slightly less dividend.
SLF-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
On average, the dividend of SLF-PR-G grows each year by 8.81%, which is quite nice.
SLF-PR-G has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-G has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
SLF-PR-G pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SLF-PR-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP
TSX:SLF-PR-G (11/21/2025, 7:00:00 PM)
19.12
+0.12 (+0.63%)
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 Cap10.78B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target21.43 (12.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.38%
Min EPS beat(2)-0.3%
Max EPS beat(2)3.05%
EPS beat(4)2
Avg EPS beat(4)0.43%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.99%
EPS beat(12)8
Avg EPS beat(12)1.41%
EPS beat(16)11
Avg EPS beat(16)2.15%
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)4.17%
PT rev (3m)3.72%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)-3.26%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.66 | ||
| Fwd PE | 2.38 | ||
| P/S | 0.31 | ||
| P/FCF | 5.2 | ||
| P/OCF | 4.88 | ||
| P/B | 0.42 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.19
EY37.6%
EPS(NY)8.05
Fwd EY42.1%
FCF(TTM)3.67
FCFY19.22%
OCF(TTM)3.92
OCFY20.51%
SpS61.82
BVpS45.6
TBVpS19.16
PEG (NY)0.24
PEG (5Y)0.5
Graham Number85.89
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
WACC4.35%
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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 4.23 PERP / SLF-PR-G.CA FAQ
What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SLF-PR-G.CA.
What is the valuation status of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP?
SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) has a profitability rating of 4 / 10.
Can you provide the financial health for SLF-PR-G stock?
The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) is 3 / 10.
Is the dividend of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP sustainable?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) is 5 / 10 and the dividend payout ratio is 67.93%.