SLF-PR-G Fundamental Analysis - SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP

Fundamental Rating

Taking everything into account, SLF-PR-G scores 4 out of 10 in our fundamental rating. SLF-PR-G was compared to 80 industry peers in the Insurance industry. Both the profitability and financial health of SLF-PR-G have multiple concerns. SLF-PR-G has a correct valuation and a medium growth rate.

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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.
In the past 5 years SLF-PR-G has always been profitable.
SLF-PR-G had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.76%, SLF-PR-G is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
The Return On Equity of SLF-PR-G (11.62%) is comparable to the rest of the industry.

		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

Looking at the Profit Margin, with a value of 8.57%, SLF-PR-G is in line with its industry, outperforming 42.50% 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 Operating Margin of 13.88%. This is in the lower half of the industry: SLF-PR-G underperforms 67.50% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 1 year ago, SLF-PR-G has less shares outstanding
Compared to 5 years ago, SLF-PR-G has less shares outstanding
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.
The Debt to FCF ratio of SLF-PR-G (3.56) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-G is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.29, SLF-PR-G perfoms like the industry average, outperforming 45.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	3.56
Altman-Z	N/A

ROIC/WACCN/A

WACC4.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SLF-PR-G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.36%.
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 5.51% in the past year.
The Revenue has been growing slightly by 0.65% on average over the past years.

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

The Earnings Per Share is expected to grow by 7.21% on average over the next years.
SLF-PR-G is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.23% yearly.

EPS Next Y11.3%

EPS Next 2Y9.69%

EPS Next 3Y9.49%

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.77 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 86.25% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.94. SLF-PR-G is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.47, the valuation of SLF-PR-G can be described as very cheap.
SLF-PR-G's Price/Forward Earnings ratio is rather cheap when compared to the industry. SLF-PR-G is cheaper than 87.50% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SLF-PR-G to the average of the S&P500 Index (23.94), we can say SLF-PR-G is valued rather cheaply.

		Industry Rank	Sector Rank
PE	2.77
Fwd PE	2.47

4.2 Price Multiples

SLF-PR-G's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	5.32
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)0.52

EPS Next 2Y9.69%

EPS Next 3Y9.49%

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5. Dividend

5.1 Amount

SLF-PR-G has a Yearly Dividend Yield of 4.22%, which is a nice return.
SLF-PR-G's Dividend Yield is comparable with the industry average which is at 4.15.
Compared to an average S&P500 Dividend Yield of 1.83, SLF-PR-G pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.22%

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

67.93% of the earnings are spent on dividend by SLF-PR-G. This is not a sustainable payout ratio.
SLF-PR-G's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP67.93%

EPS Next 2Y9.69%

EPS Next 3Y9.49%

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SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP

TSX:SLF-PR-G (1/20/2026, 7:00:00 PM)

19.78

-0.03 (-0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-05 2025-11-05/amc

Earnings (Next)02-11 2026-02-11/amc

Inst Owners56.05%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap11.03B

Revenue(TTM)34.84B

Net Income(TTM)2.99B

Analysts73.68

Price Target21.71 (9.76%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.22%

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)-5.68%

PT rev (3m)5.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.91%

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	2.77
Fwd PE	2.47
P/S	0.32
P/FCF	5.32
P/OCF	4.99
P/B	0.43
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)7.15

EY36.15%

EPS(NY)8.01

Fwd EY40.51%

FCF(TTM)3.72

FCFY18.78%

OCF(TTM)3.96

OCFY20.04%

SpS62.51

BVpS46.11

TBVpS19.37

PEG (NY)0.24

PEG (5Y)0.52

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

WACC4.97%

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 5Y7.21%

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%.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

What is the valuation status for SLF-PR-G stock?

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

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

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