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

TSX:SLF-PR-G • CA8667968819

19.82 CAD
-0.02 (-0.1%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, SLF-PR-G scores 5 out of 10 in our fundamental rating. SLF-PR-G was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of SLF-PR-G while its profitability can be described as average. SLF-PR-G may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • SLF-PR-G had positive earnings in the past year.
  • In the past year SLF-PR-G had a positive cash flow from operations.
  • In the past 5 years SLF-PR-G has always been profitable.
  • Of the past 5 years SLF-PR-G 4 years had a positive operating cash flow.
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 2025 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-G has a better Return On Assets (0.87%) than 75.00% of its industry peers.
  • SLF-PR-G has a better Return On Equity (13.76%) than 76.25% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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 2025 0 5 10

1.3 Margins

  • With a Profit Margin value of 9.90%, SLF-PR-G perfoms like the industry average, outperforming 46.25% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SLF-PR-G has grown nicely.
  • The Operating Margin of SLF-PR-G (15.17%) 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 15.17%
PM (TTM) 9.9%
GM N/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
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 2025 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, SLF-PR-G has less shares outstanding
  • SLF-PR-G has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SLF-PR-G has a worse 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 2025 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 2025 100B 200B 300B

2.2 Solvency

  • SLF-PR-G has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as SLF-PR-G would need 3.15 years to pay back of all of its debts.
  • SLF-PR-G has a Debt to FCF ratio of 3.15. This is comparable to the rest of the industry: SLF-PR-G outperforms 58.75% of its industry peers.
  • SLF-PR-G has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • SLF-PR-G's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. SLF-PR-G outperforms 42.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC4.22%
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 2025 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 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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 11.56%, which is quite good.
  • Measured over the past 5 years, SLF-PR-G shows a small growth in Earnings Per Share. The EPS has been growing by 6.28% on average per year.
  • The Revenue has been growing slightly by 4.34% in the past year.
  • SLF-PR-G shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.77% yearly.
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%

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 5.75% yearly.
  • The Revenue is expected to grow by 39.16% on average over the next years. This is a very strong growth
EPS Next Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%

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.
  • 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.67, the valuation of SLF-PR-G can be described as very cheap.
  • 86.25% of the companies in the same industry are more expensive than SLF-PR-G, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of SLF-PR-G to the average of the S&P500 Index (27.07), we can say SLF-PR-G is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 2.47, 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 28.05.
Industry RankSector Rank
PE 2.67
Fwd PE 2.47
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

  • 61.25% of the companies in the same industry are more expensive than SLF-PR-G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.16
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

  • SLF-PR-G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.34
PEG (5Y)0.42
EPS Next 2Y8.53%
EPS Next 3Y6.16%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.11%, SLF-PR-G is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.43, SLF-PR-G has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, SLF-PR-G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.11%

5.2 History

  • On average, the dividend of SLF-PR-G grows each year by 9.56%, 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)9.56%
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 2026 0.2 0.4 0.6

5.3 Sustainability

  • 59.45% of the earnings are spent on dividend by SLF-PR-G. This is a bit on the high side, but may be sustainable.
  • The dividend of SLF-PR-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
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 2025 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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Find the best dividend stocksShow peers with best dividend

SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP

TSX:SLF-PR-G (2/27/2026, 7:00:00 PM)

19.82

-0.02 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap11.05B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target22.21 (12.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.1%
Min EPS beat(2)0.48%
Max EPS beat(2)3.72%
EPS beat(4)3
Avg EPS beat(4)2.39%
Min EPS beat(4)-0.3%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.44%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)12
Avg EPS beat(16)2.24%
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)2.32%
PT rev (3m)1.5%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 2.67
Fwd PE 2.47
P/S 0.31
P/FCF 4.16
P/OCF 3.95
P/B 0.44
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)7.43
EY37.49%
EPS(NY)8.01
Fwd EY40.44%
FCF(TTM)4.76
FCFY24.02%
OCF(TTM)5.02
OCFY25.33%
SpS62.95
BVpS45.26
TBVpS18.91
PEG (NY)0.34
PEG (5Y)0.42
Graham Number86.98
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 15.17%
PM (TTM) 9.9%
GM N/A
FCFM 7.56%
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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)1.39%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.41%
Interest Coverage 15
Cash Conversion N/A
Profit Quality 76.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.22%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)110.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
EPS Next Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%
EBIT growth 1Y6.42%
EBIT growth 3Y-37.98%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.09%
FCF growth 3Y-14.93%
FCF growth 5Y-17.85%
OCF growth 1Y10.55%
OCF growth 3Y-13.41%
OCF growth 5Y-17.34%

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 for SLF-PR-G stock?

ChartMill assigns a valuation rating of 7 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.23 PERP (SLF-PR-G.CA). This can be considered as Undervalued.


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 4 / 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 59.45%.