SLF-PR-H Fundamental Analysis - SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP

Fundamental Rating

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. SLF-PR-H has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-H is not valued too expensively and it also shows a decent growth rate.

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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

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.
Looking at the Return On Equity, with a value of 11.62%, SLF-PR-H is doing worse than 60.00% 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

SLF-PR-H has a worse Profit Margin (8.57%) than 62.50% of its industry peers.
SLF-PR-H's Profit Margin has improved in the last couple of years.
SLF-PR-H has a Operating Margin of 13.88%. This is in the lower half of the industry: SLF-PR-H underperforms 72.50% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-H has declined.

		Industry Rank	Sector Rank
OM	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-H does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SLF-PR-H has less shares outstanding
Compared to 5 years ago, SLF-PR-H has less shares outstanding
The debt/assets ratio for SLF-PR-H has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of SLF-PR-H is 3.56, which is a good value as it means it would take SLF-PR-H, 3.56 years of fcf income to pay off all of its debts.
SLF-PR-H's Debt to FCF ratio of 3.56 is on the low side compared to the rest of the industry. SLF-PR-H is outperformed by 63.75% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-H is not too dependend on debt financing.
SLF-PR-H has a Debt to Equity ratio of 0.29. This is in the lower half of the industry: SLF-PR-H underperforms 60.00% of its industry peers.

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

ROIC/WACCN/A

WACC5.04%

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

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.
SLF-PR-H 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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

With a Price/Earnings ratio of 3.14, the valuation of SLF-PR-H can be described as very cheap.
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's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.94.
SLF-PR-H is valuated cheaply with a Price/Forward Earnings ratio of 2.80.
Based on the Price/Forward Earnings ratio, SLF-PR-H is valued cheaply inside the industry as 82.50% of the companies are valued more expensively.
SLF-PR-H is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	3.14
Fwd PE	2.8

4.2 Price Multiples

62.50% of the companies in the same industry are cheaper than SLF-PR-H, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.05
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)0.6

EPS Next 2Y9.69%

EPS Next 3Y9.49%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.22%, SLF-PR-H is a good candidate for dividend investing.
SLF-PR-H'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-H pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.22%

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 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

SLF-PR-H pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
SLF-PR-H'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 2.967 PERP

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

22.46

-0.22 (-0.97%)

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 Cap12.52B

Revenue(TTM)34.84B

Net Income(TTM)2.99B

Analysts73.68

Price Target24.93 (11%)

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 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)-7.53%

PT rev (3m)2.05%

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	3.14
Fwd PE	2.8
P/S	0.36
P/FCF	6.05
P/OCF	5.67
P/B	0.49
P/tB	1.16
EV/EBITDA	N/A

EPS(TTM)7.15

EY31.83%

EPS(NY)8.01

Fwd EY35.68%

FCF(TTM)3.72

FCFY16.54%

OCF(TTM)3.96

OCFY17.65%

SpS62.51

BVpS46.11

TBVpS19.37

PEG (NY)0.28

PEG (5Y)0.6

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

WACC5.04%

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 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 2 / 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 11.3% in the next year.

SUN LIFE FINANCIAL INC - SLFCN 2.967 PERP (SLF-PR-H.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 2.967 PERP / SLF-PR-H.CA FAQ

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

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

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

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

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