SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:SLF-PR-G • CA8667968819

19.95 CAD
-0.01 (-0.05%)
Last: Feb 3, 2026, 07:00 PM
Fundamental Rating

4

SLF-PR-G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. SLF-PR-G has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-G has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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.
  • Each year in the past 5 years SLF-PR-G has been profitable.
  • SLF-PR-G had a positive operating cash flow in 4 of the past 5 years.
SLF-PR-G.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-G.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 0 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of SLF-PR-G (0.76%) is better than 72.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.62%, SLF-PR-G is in line with its industry, outperforming 43.75% of the companies in the same industry.
Industry RankSector 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
SLF-PR-G.CA Yearly ROA, ROE, ROICSLF-PR-G.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • SLF-PR-G has a Profit Margin (8.57%) which is in line with its industry peers.
  • SLF-PR-G's Profit Margin has improved in the last couple of years.
  • The Operating Margin of SLF-PR-G (13.88%) is worse than 67.50% of its industry peers.
  • SLF-PR-G's Operating Margin has declined in the last couple of years.
Industry RankSector 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
SLF-PR-G.CA Yearly Profit, Operating, Gross MarginsSLF-PR-G.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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3

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.
  • Compared to 1 year ago, SLF-PR-G has an improved debt to assets ratio.
SLF-PR-G.CA Yearly Shares OutstandingSLF-PR-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-G.CA Yearly Total Debt VS Total AssetsSLF-PR-G.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • SLF-PR-G has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-G would need 3.56 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.56, SLF-PR-G is in line with its industry, outperforming 42.50% of the companies in the same industry.
  • A Debt/Equity ratio of 0.29 indicates that SLF-PR-G is not too dependend on debt financing.
  • SLF-PR-G has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.79%
SLF-PR-G.CA Yearly LT Debt VS Equity VS FCFSLF-PR-G.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

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

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6

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.36% over the past year.
  • 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.
  • SLF-PR-G shows a small growth in Revenue. In the last year, the Revenue has grown by 5.51%.
  • 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)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-G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
  • Based on estimates for the next years, SLF-PR-G will show a very strong growth in Revenue. The Revenue will grow by 29.23% on average per year.
EPS Next Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.23%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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-G.CA Yearly Revenue VS EstimatesSLF-PR-G.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-G.CA Yearly EPS VS EstimatesSLF-PR-G.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. Valuation

4.1 Price/Earnings Ratio

  • SLF-PR-G is valuated cheaply with a Price/Earnings ratio of 2.79.
  • Based on the Price/Earnings ratio, SLF-PR-G is valued cheaper than 86.25% of the companies in the same industry.
  • SLF-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 2.49, the valuation of SLF-PR-G can be described as very cheap.
  • 87.50% 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 25.51.
Industry RankSector Rank
PE 2.79
Fwd PE 2.49
SLF-PR-G.CA Price Earnings VS Forward Price EarningsSLF-PR-G.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-G's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 5.37
EV/EBITDA N/A
SLF-PR-G.CA Per share dataSLF-PR-G.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)0.25
PEG (5Y)0.53
EPS Next 2Y9.7%
EPS Next 3Y9.53%

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6

5. Dividend

5.1 Amount

  • SLF-PR-G has a Yearly Dividend Yield of 4.28%, which is a nice return.
  • SLF-PR-G's Dividend Yield is a higher than the industry average which is at 3.50.
  • SLF-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 4.28%

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 been paying a dividend for at least 10 years, so it has 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
SLF-PR-G.CA Yearly Dividends per shareSLF-PR-G.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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 2Y9.7%
EPS Next 3Y9.53%
SLF-PR-G.CA Yearly Income VS Free CF VS DividendSLF-PR-G.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
SLF-PR-G.CA Dividend Payout.SLF-PR-G.CA Dividend Payout, showing the Payout Ratio.SLF-PR-G.CA Dividend Payout.PayoutRetained Earnings

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SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP

TSX:SLF-PR-G (2/3/2026, 7:00:00 PM)

19.95

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-11
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap11.12B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target21.71 (8.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.28%
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years3
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)0.6%
PT rev (3m)7.28%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.49%
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 RankSector Rank
PE 2.79
Fwd PE 2.49
P/S 0.32
P/FCF 5.37
P/OCF 5.03
P/B 0.43
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)7.15
EY35.84%
EPS(NY)8.01
Fwd EY40.18%
FCF(TTM)3.72
FCFY18.62%
OCF(TTM)3.96
OCFY19.87%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.25
PEG (5Y)0.53
Graham Number86.12
Profitability
Industry RankSector 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 RankSector 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
WACC4.79%
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 Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
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 5Y29.23%
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 4 / 10 to SLF-PR-G.CA.


What is the valuation status for SLF-PR-G 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.


How profitable is SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) stock?

SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) has a profitability rating of 3 / 10.


What is the financial health of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) stock?

The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) is 3 / 10.


Can you provide the dividend sustainability for SLF-PR-G stock?

The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA) is 6 / 10 and the dividend payout ratio is 67.93%.