SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-J - CA8667968736
18.49 CAD
+0.09 (+0.49%)
SLF-PR-J gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. SLF-PR-J may be in some trouble as it scores bad on both profitability and health. SLF-PR-J has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SLF-PR-J had positive earnings in the past year.
In the past year SLF-PR-J had a positive cash flow from operations.
SLF-PR-J had positive earnings in each of the past 5 years.
Of the past 5 years SLF-PR-J 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.76%, SLF-PR-J is doing good in the industry, outperforming 71.60% of the companies in the same industry.
SLF-PR-J's Return On Equity of 11.62% is in line compared to the rest of the industry. SLF-PR-J outperforms 45.68% of its industry peers.
| 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-J has a Profit Margin (8.57%) which is comparable to the rest of the industry.
SLF-PR-J's Profit Margin has improved in the last couple of years.
The Operating Margin of SLF-PR-J (13.88%) is worse than 85.19% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-J 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
2. Health
2.1 Basic Checks
SLF-PR-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SLF-PR-J has less shares outstanding
The number of shares outstanding for SLF-PR-J has been reduced compared to 5 years ago.
Compared to 1 year ago, SLF-PR-J has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-J is 3.56, which is a good value as it means it would take SLF-PR-J, 3.56 years of fcf income to pay off all of its debts.
SLF-PR-J has a Debt to FCF ratio (3.56) which is in line with its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF-PR-J is not too dependend on debt financing.
SLF-PR-J's Debt to Equity ratio of 0.29 is in line compared to the rest of the industry. SLF-PR-J outperforms 46.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.35%
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 been growing slightly by 7.36% over the past year.
SLF-PR-J shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
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)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
The Earnings Per Share is expected to grow by 7.41% on average over the next years.
The Revenue is expected to grow by 29.47% on average over the next years. This is a very strong growth
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y7.41%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y29.47%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 2.59, the valuation of SLF-PR-J can be described as very cheap.
SLF-PR-J's Price/Earnings ratio is rather cheap when compared to the industry. SLF-PR-J is cheaper than 85.19% of the companies in the same industry.
SLF-PR-J's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.41.
A Price/Forward Earnings ratio of 2.30 indicates a rather cheap valuation of SLF-PR-J.
Based on the Price/Forward Earnings ratio, SLF-PR-J is valued cheaper than 86.42% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.40. SLF-PR-J is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.59 | ||
| Fwd PE | 2.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLF-PR-J indicates a slightly more expensive valuation: SLF-PR-J is more expensive than 74.07% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.98 | ||
| 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)0.23
PEG (5Y)0.49
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.48%, SLF-PR-J is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, SLF-PR-J has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, SLF-PR-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
5.2 History
On average, the dividend of SLF-PR-J grows each year by 8.81%, which is quite nice.
SLF-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
SLF-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.81%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
SLF-PR-J pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SLF-PR-J 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 4.10446 PERP
TSX:SLF-PR-J (12/3/2025, 7:00:00 PM)
18.49
+0.09 (+0.49%)
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 Cap10.31B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target20.55 (11.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)5.4%
PT rev (3m)4.16%
EPS NQ rev (1m)-1.33%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.59 | ||
| Fwd PE | 2.3 | ||
| P/S | 0.3 | ||
| P/FCF | 4.98 | ||
| P/OCF | 4.66 | ||
| P/B | 0.4 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY38.67%
EPS(NY)8.05
Fwd EY43.53%
FCF(TTM)3.72
FCFY20.09%
OCF(TTM)3.96
OCFY21.44%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.23
PEG (5Y)0.49
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
WACC4.35%
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 Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y7.41%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y29.47%
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 4.10446 PERP / SLF-PR-J.CA FAQ
What is the fundamental rating for SLF-PR-J stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-J.CA.
What is the valuation status of SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP?
SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for SLF-PR-J stock?
The Price/Earnings (PE) ratio for SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA) is 2.59 and the Price/Book (PB) ratio is 0.4.
How financially healthy is SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP?
The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 4.10446 PERP (SLF-PR-J.CA) is 3 / 10.