SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-H - CA8667968652
22.15 CAD
+0.17 (+0.77%)
Overall SLF-PR-H gets a fundamental rating of 5 out of 10. We evaluated SLF-PR-H against 80 industry peers in the Insurance industry. SLF-PR-H has an average financial health and profitability rating. SLF-PR-H has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SLF-PR-H had positive earnings in the past year.
In the past year SLF-PR-H had a positive cash flow from operations.
In the past 5 years SLF-PR-H has always been profitable.
SLF-PR-H had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.86%, SLF-PR-H is doing good in the industry, outperforming 63.75% of the companies in the same industry.
SLF-PR-H has a Return On Equity of 12.85%. This is in the better half of the industry: SLF-PR-H outperforms 78.75% 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-H is in line with its industry, outperforming 47.50% of the companies in the same industry.
In the last couple of years the Profit Margin of SLF-PR-H has grown nicely.
SLF-PR-H has a worse Operating Margin (14.71%) than 92.50% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-H 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-H does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLF-PR-H has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SLF-PR-H has less shares outstanding
Compared to 1 year ago, SLF-PR-H has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-H is 1.54, which is an excellent value as it means it would take SLF-PR-H, only 1.54 years of fcf income to pay off all of its debts.
SLF-PR-H has a better Debt to FCF ratio (1.54) than 71.25% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-H is not too dependend on debt financing.
SLF-PR-H has a better Debt to Equity ratio (0.25) than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-H shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.63%, which is quite good.
Measured over the past 5 years, SLF-PR-H shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
Looking at the last year, SLF-PR-H shows a small growth in Revenue. The Revenue has grown by 7.10% in the last 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
Based on estimates for the next years, SLF-PR-H will show a small growth in Earnings Per Share. The EPS will grow by 5.97% on average per year.
The Revenue is expected to grow by 31.70% on average over the next years. This is a very strong growth
EPS Next Y10.78%
EPS Next 2Y9.25%
EPS Next 3Y8.91%
EPS Next 5Y5.97%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.7%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.14 indicates a rather cheap valuation of SLF-PR-H.
Based on the Price/Earnings ratio, SLF-PR-H is valued a bit cheaper than the industry average as 76.25% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.38, SLF-PR-H is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.79, the valuation of SLF-PR-H can be described as very cheap.
Based on the Price/Forward Earnings ratio, SLF-PR-H is valued a bit cheaper than the industry average as 77.50% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.86. SLF-PR-H is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.14 | ||
| Fwd PE | 2.79 |
4.2 Price Multiples
SLF-PR-H's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLF-PR-H is more expensive than 61.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.02 | ||
| 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)0.29
PEG (5Y)0.6
EPS Next 2Y9.25%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
SLF-PR-H has a Yearly Dividend Yield of 5.72%, which is a nice return.
Compared to an average industry Dividend Yield of 5.16, SLF-PR-H pays a bit more dividend than its industry peers.
SLF-PR-H's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.72% |
5.2 History
The dividend of SLF-PR-H is nicely growing with an annual growth rate of 8.81%!
SLF-PR-H has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-H has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
62.09% of the earnings are spent on dividend by SLF-PR-H. This is not a sustainable payout ratio.
The dividend of SLF-PR-H 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 2.967 PERP
TSX:SLF-PR-H (9/19/2025, 7:00:00 PM)
22.15
+0.17 (+0.77%)
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 Cap12.48B
Analysts74.12
Price Target24.13 (8.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.72% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years0
Div Non Decr Years4
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)-0.88%
PT rev (3m)9.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.6%
EPS NY rev (1m)0%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.14 | ||
| Fwd PE | 2.79 | ||
| P/S | 0.36 | ||
| P/FCF | 3.02 | ||
| P/OCF | 2.92 | ||
| P/B | 0.5 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY31.83%
EPS(NY)7.95
Fwd EY35.89%
FCF(TTM)7.33
FCFY33.11%
OCF(TTM)7.58
OCFY34.2%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.29
PEG (5Y)0.6
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
WACC4.86%
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 5Y5.97%
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 5Y31.7%
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%