SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-H - CA8667968652
22.3 CAD
-0.76 (-3.3%)
We assign a fundamental rating of 4 out of 10 to SLF-PR-H. SLF-PR-H was compared to 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.
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.
Of the past 5 years SLF-PR-H 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SLF-PR-H (0.76%) is better than 67.50% of its industry peers.
Looking at the Return On Equity, with a value of 11.62%, SLF-PR-H is in the better half of the industry, outperforming 67.50% of the companies in the same 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
The Profit Margin of SLF-PR-H (8.57%) is worse than 62.50% of its industry peers.
In the last couple of years the Profit Margin of SLF-PR-H has grown nicely.
Looking at the Operating Margin, with a value of 13.88%, SLF-PR-H is doing worse than 92.50% of the companies in the same industry.
SLF-PR-H'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
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.
SLF-PR-H has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SLF-PR-H has an improved debt to assets ratio.
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.
SLF-PR-H has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.44%
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 8.02%, 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.
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
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 6.03% on average per year.
Based on estimates for the next years, SLF-PR-H will show a very strong growth in Revenue. The Revenue will grow by 31.96% on average per year.
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
The Price/Earnings ratio is 3.10, which indicates a rather cheap valuation of SLF-PR-H.
Compared to the rest of the industry, the Price/Earnings ratio of SLF-PR-H indicates a somewhat cheap valuation: SLF-PR-H is cheaper than 80.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.07, SLF-PR-H is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.77, the valuation of SLF-PR-H can be described as very cheap.
SLF-PR-H's Price/Forward Earnings ratio is rather cheap when compared to the industry. SLF-PR-H is cheaper than 81.25% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SLF-PR-H to the average of the S&P500 Index (34.08), we can say SLF-PR-H is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.1 | ||
| Fwd PE | 2.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLF-PR-H is valued expensively inside the industry as 81.25% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SLF-PR-H's 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)0.59
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
SLF-PR-H has a Yearly Dividend Yield of 4.45%, which is a nice return.
SLF-PR-H's Dividend Yield is slightly below the industry average, which is at 4.58.
Compared to an average S&P500 Dividend Yield of 2.44, SLF-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
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
5.3 Sustainability
SLF-PR-H pays out 67.93% of its income as dividend. 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 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP
TSX:SLF-PR-H (11/20/2025, 7:00:00 PM)
22.3
-0.76 (-3.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.57B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target24.58 (10.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.38%
Min EPS beat(2)-0.3%
Max EPS beat(2)3.05%
EPS beat(4)2
Avg EPS beat(4)0.43%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.99%
EPS beat(12)8
Avg EPS beat(12)1.41%
EPS beat(16)11
Avg EPS beat(16)2.15%
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)0.61%
PT rev (3m)0.93%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)0.75%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.1 | ||
| Fwd PE | 2.77 | ||
| P/S | 0.36 | ||
| P/FCF | 6.07 | ||
| P/OCF | 5.69 | ||
| P/B | 0.49 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.19
EY32.24%
EPS(NY)8.05
Fwd EY36.1%
FCF(TTM)3.67
FCFY16.48%
OCF(TTM)3.92
OCFY17.58%
SpS61.82
BVpS45.6
TBVpS19.16
PEG (NY)0.28
PEG (5Y)0.59
Graham Number85.89
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
WACC4.44%
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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.
What is the valuation status for SLF-PR-H stock?
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 expected EPS growth for SLF-PR-H stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) is expected to grow by 11.21% in the next year.
How sustainable is the dividend of SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) stock?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.CA) is 5 / 10 and the dividend payout ratio is 67.93%.