SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:SLF-PR-H • CA8667968652

22.59 CAD
+0.09 (+0.4%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall SLF-PR-H gets a fundamental rating of 4 out of 10. We evaluated SLF-PR-H against 80 industry peers in the Insurance industry. Both the profitability and financial health of SLF-PR-H have multiple concerns. SLF-PR-H has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • SLF-PR-H had positive earnings in the past year.
  • SLF-PR-H had a positive operating cash flow in the past year.
  • SLF-PR-H had positive earnings in each of the past 5 years.
  • SLF-PR-H had a positive operating cash flow in 4 of the past 5 years.
SLF-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-H.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

  • Looking at the Return On Assets, with a value of 0.76%, SLF-PR-H is in the better half of the industry, outperforming 67.50% of the companies in the same industry.
  • SLF-PR-H's Return On Equity of 11.62% is on the low side compared to the rest of the industry. SLF-PR-H is outperformed by 61.25% of its industry peers.
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-H.CA Yearly ROA, ROE, ROICSLF-PR-H.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • The Profit Margin of SLF-PR-H (8.57%) is worse than 61.25% of its industry peers.
  • SLF-PR-H's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 13.88%, SLF-PR-H is doing worse than 72.50% of the companies in the same industry.
  • SLF-PR-H'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-H.CA Yearly Profit, Operating, Gross MarginsSLF-PR-H.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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
SLF-PR-H.CA Yearly Shares OutstandingSLF-PR-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-H.CA Yearly Total Debt VS Total AssetsSLF-PR-H.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-H has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-H would need 3.56 years to pay back of all of its debts.
  • The Debt to FCF ratio of SLF-PR-H (3.56) is worse than 62.50% of its industry peers.
  • SLF-PR-H has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.29, SLF-PR-H is in line with its industry, outperforming 41.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.84%
SLF-PR-H.CA Yearly LT Debt VS Equity VS FCFSLF-PR-H.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-H.CA Yearly Current Assets VS Current LiabilitesSLF-PR-H.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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.36% over the past year.
  • The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
  • SLF-PR-H shows a small growth in Revenue. In the last year, the Revenue has grown by 5.51%.
  • 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

  • Based on estimates for the next years, SLF-PR-H will show a small growth in Earnings Per Share. The EPS will grow by 7.21% on average per year.
  • The Revenue is expected to grow by 29.23% on average over the next years. This is a very strong growth
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SLF-PR-H.CA Yearly Revenue VS EstimatesSLF-PR-H.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-H.CA Yearly EPS VS EstimatesSLF-PR-H.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-H is valuated cheaply with a Price/Earnings ratio of 3.16.
  • Based on the Price/Earnings ratio, SLF-PR-H is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
  • SLF-PR-H is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 2.82 indicates a rather cheap valuation of SLF-PR-H.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SLF-PR-H indicates a rather cheap valuation: SLF-PR-H is cheaper than 82.50% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.78. SLF-PR-H is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.16
Fwd PE 2.82
SLF-PR-H.CA Price Earnings VS Forward Price EarningsSLF-PR-H.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SLF-PR-H is valued a bit more expensive than 61.25% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.08
EV/EBITDA N/A
SLF-PR-H.CA Per share dataSLF-PR-H.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)0.28
PEG (5Y)0.6
EPS Next 2Y9.7%
EPS Next 3Y9.53%

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

6

5. Dividend

5.1 Amount

  • SLF-PR-H has a Yearly Dividend Yield of 4.15%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.52, 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 1.81.
Industry RankSector Rank
Dividend Yield 4.15%

5.2 History

  • On average, the dividend of SLF-PR-H grows each year by 8.81%, which is quite nice.
  • SLF-PR-H has been paying a dividend for at least 10 years, so it has 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
SLF-PR-H.CA Yearly Dividends per shareSLF-PR-H.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 67.93% 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.
DP67.93%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
SLF-PR-H.CA Yearly Income VS Free CF VS DividendSLF-PR-H.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-H.CA Dividend Payout.SLF-PR-H.CA Dividend Payout, showing the Payout Ratio.SLF-PR-H.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP

TSX:SLF-PR-H (2/6/2026, 7:00:00 PM)

22.59

+0.09 (+0.4%)

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 Cap12.59B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target24.65 (9.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.15%
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years4
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)0.21%
PT rev (3m)1.43%
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 3.16
Fwd PE 2.82
P/S 0.36
P/FCF 6.08
P/OCF 5.7
P/B 0.49
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)7.15
EY31.65%
EPS(NY)8.01
Fwd EY35.48%
FCF(TTM)3.72
FCFY16.45%
OCF(TTM)3.96
OCFY17.55%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.28
PEG (5Y)0.6
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
WACC4.84%
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 2.967 PERP / SLF-PR-H.CA FAQ

Can you provide the ChartMill fundamental rating for SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP?

ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-H.CA.


Can you provide the valuation status for SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP?

ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA). This can be considered as Fairly Valued.


What is the profitability of SLF-PR-H stock?

SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) has a profitability rating of 3 / 10.


Can you provide the financial health for SLF-PR-H stock?

The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) is 3 / 10.


What is the expected EPS growth for SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) stock?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) is expected to grow by 11.37% in the next year.