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%)
Taking everything into account, SLF-PR-H scores 5 out of 10 in our fundamental rating. SLF-PR-H was compared to 77 industry peers in the Insurance industry. SLF-PR-H has only an average score on both its financial health and profitability. 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.
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.
Of the past 5 years SLF-PR-H 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.86%, SLF-PR-H is doing good in the industry, outperforming 63.64% of the companies in the same industry.
The Return On Equity of SLF-PR-H (12.85%) is better than 79.22% 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
SLF-PR-H's Profit Margin of 9.34% is in line compared to the rest of the industry. SLF-PR-H outperforms 46.75% of its industry peers.
In the last couple of years the Profit Margin of SLF-PR-H has grown nicely.
SLF-PR-H has a Operating Margin of 14.71%. This is amonst the worse of the industry: SLF-PR-H underperforms 92.21% of its industry peers.
SLF-PR-H's Operating Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for SLF-PR-H has been reduced compared to 5 years ago.
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.
With a decent Debt to FCF ratio value of 1.54, SLF-PR-H is doing good in the industry, outperforming 71.43% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-H is not too dependend on debt financing.
The Debt to Equity ratio of SLF-PR-H (0.25) is better than 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.63% over the past year.
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.
SLF-PR-H shows a small growth in Revenue. In the last year, the Revenue has grown by 7.10%.
SLF-PR-H shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.65% yearly.
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
The Earnings Per Share is expected to grow by 5.97% on average over the next years.
SLF-PR-H is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.70% yearly.
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
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
A Price/Earnings ratio of 3.14 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 76.62% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SLF-PR-H to the average of the S&P500 Index (27.38), we can say SLF-PR-H is valued rather cheaply.
A Price/Forward Earnings ratio of 2.79 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 somewhat cheap valuation: SLF-PR-H is cheaper than 77.92% of the companies listed in the same industry.
SLF-PR-H's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| 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 61.04% 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
With a Yearly Dividend Yield of 5.72%, SLF-PR-H is a good candidate for dividend investing.
SLF-PR-H's Dividend Yield is a higher than the industry average which is at 5.00.
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
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 62.09% 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.
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
WACC5.17%
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%