SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) Stock Fundamental Analysis
TSX:SLF-PR-G - CA8667968819
18.84 CAD
+0.11 (+0.59%)
We assign a fundamental rating of 5 out of 10 to SLF-PR-G. SLF-PR-G was compared to 80 industry peers in the Insurance industry. SLF-PR-G has an average financial health and profitability rating. SLF-PR-G has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SLF-PR-G was profitable.
In the past year SLF-PR-G had a positive cash flow from operations.
SLF-PR-G had positive earnings in each of the past 5 years.
Of the past 5 years SLF-PR-G 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SLF-PR-G (0.86%) is better than 70.00% of its industry peers.
The Return On Equity of SLF-PR-G (12.85%) is better than 85.00% 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-G is in line with its industry, outperforming 53.75% of the companies in the same industry.
SLF-PR-G's Profit Margin has improved in the last couple of years.
SLF-PR-G has a worse Operating Margin (14.71%) than 86.25% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-G has declined.
| 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-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.
The debt/assets ratio for SLF-PR-G has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-G is 1.54, which is an excellent value as it means it would take SLF-PR-G, only 1.54 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SLF-PR-G (1.54) is better than 77.50% of its industry peers.
SLF-PR-G has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.25, SLF-PR-G belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.07%
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.
Measured over the past 5 years, SLF-PR-G shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
The Revenue has been growing slightly by 7.10% in the past year.
The Revenue has been growing slightly by 0.65% on average over the past years.
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
SLF-PR-G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.06% yearly.
Based on estimates for the next years, SLF-PR-G will show a very strong growth in Revenue. The Revenue will grow by 31.81% on average per year.
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y6.06%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.81%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.67, which indicates a rather cheap valuation of SLF-PR-G.
Based on the Price/Earnings ratio, SLF-PR-G is valued cheaply inside the industry as 83.75% of the companies are valued more expensively.
SLF-PR-G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
The Price/Forward Earnings ratio is 2.37, which indicates a rather cheap valuation of SLF-PR-G.
Based on the Price/Forward Earnings ratio, SLF-PR-G is valued cheaply inside the industry as 83.75% of the companies are valued more expensively.
SLF-PR-G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.67 | ||
| Fwd PE | 2.37 |
4.2 Price Multiples
SLF-PR-G's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.57 | ||
| 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)0.25
PEG (5Y)0.51
EPS Next 2Y9.25%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.39%, SLF-PR-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.93, SLF-PR-G pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, SLF-PR-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
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 62.09% 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.
DP62.09%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP
TSX:SLF-PR-G (8/29/2025, 7:00:00 PM)
18.84
+0.11 (+0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap10.62B
Analysts75.56
Price Target20.76 (10.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years0
Div Non Decr Years3
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)1.97%
PT rev (3m)12.88%
EPS NQ rev (1m)-2.07%
EPS NQ rev (3m)-4.6%
EPS NY rev (1m)0.94%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.85%
Revenue NY rev (3m)-5.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.67 | ||
| Fwd PE | 2.37 | ||
| P/S | 0.31 | ||
| P/FCF | 2.57 | ||
| P/OCF | 2.49 | ||
| P/B | 0.42 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY37.42%
EPS(NY)7.95
Fwd EY42.19%
FCF(TTM)7.33
FCFY38.93%
OCF(TTM)7.58
OCFY40.21%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.25
PEG (5Y)0.51
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC5.07%
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 Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y6.06%
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 5Y31.81%
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%