SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-J - CA8667968736
17.68 CAD
+0.08 (+0.45%)
Overall SLF-PR-J gets a fundamental rating of 5 out of 10. We evaluated SLF-PR-J against 81 industry peers in the Insurance industry. SLF-PR-J has an average financial health and profitability rating. 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.
In the past 5 years SLF-PR-J has always been profitable.
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 0.86%, SLF-PR-J is doing good in the industry, outperforming 72.84% of the companies in the same industry.
SLF-PR-J's Return On Equity of 12.85% is amongst the best of the industry. SLF-PR-J outperforms 87.65% 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-J has a Profit Margin (9.34%) which is in line with its industry peers.
In the last couple of years the Profit Margin of SLF-PR-J has grown nicely.
Looking at the Operating Margin, with a value of 14.71%, SLF-PR-J is doing worse than 85.19% of the companies in the same industry.
SLF-PR-J'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-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLF-PR-J has less shares outstanding than it did 1 year ago.
The number of shares outstanding for SLF-PR-J has been reduced compared to 5 years ago.
SLF-PR-J has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLF-PR-J is 1.54, which is an excellent value as it means it would take SLF-PR-J, only 1.54 years of fcf income to pay off all of its debts.
SLF-PR-J has a better Debt to FCF ratio (1.54) than 79.01% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-J is not too dependend on debt financing.
The Debt to Equity ratio of SLF-PR-J (0.25) is better than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-J shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.63%, which is quite good.
Measured over the past 5 years, SLF-PR-J shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
SLF-PR-J shows a small growth in Revenue. In the last year, the Revenue has grown by 7.10%.
Measured over the past years, SLF-PR-J shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
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
Based on estimates for the next years, SLF-PR-J will show a small growth in Earnings Per Share. The EPS will grow by 6.03% on average per year.
SLF-PR-J is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.77% yearly.
EPS Next Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.77%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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 2.51, the valuation of SLF-PR-J can be described as very cheap.
87.65% of the companies in the same industry are more expensive than SLF-PR-J, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.67, SLF-PR-J is valued rather cheaply.
A Price/Forward Earnings ratio of 2.22 indicates a rather cheap valuation of SLF-PR-J.
Based on the Price/Forward Earnings ratio, SLF-PR-J is valued cheaper than 87.65% of the companies in the same industry.
SLF-PR-J's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 31.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.51 | ||
| Fwd PE | 2.22 |
4.2 Price Multiples
SLF-PR-J's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.41 | ||
| 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)0.48
EPS Next 2Y9.27%
EPS Next 3Y8.83%
5. Dividend
5.1 Amount
SLF-PR-J has a Yearly Dividend Yield of 4.12%, which is a nice return.
Compared to an average industry Dividend Yield of 3.90, SLF-PR-J pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, SLF-PR-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
5.2 History
The dividend of SLF-PR-J is nicely growing with an annual growth rate of 8.81%!
SLF-PR-J has paid a dividend for at least 10 years, which is 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
62.09% of the earnings are spent on dividend by SLF-PR-J. This is not a sustainable payout ratio.
SLF-PR-J's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP
TSX:SLF-PR-J (11/6/2025, 7:00:00 PM)
17.68
+0.08 (+0.45%)
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 Cap9.96B
Revenue(TTM)34.58B
Net Income(TTM)3.23B
Analysts75.56
Price Target19.12 (8.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years3
Div Non Decr Years3
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)0.17%
PT rev (3m)-0.21%
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)-1.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0.99%
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 | 2.51 | ||
| Fwd PE | 2.22 | ||
| P/S | 0.29 | ||
| P/FCF | 2.41 | ||
| P/OCF | 2.33 | ||
| P/B | 0.4 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY39.88%
EPS(NY)7.95
Fwd EY44.97%
FCF(TTM)7.33
FCFY41.49%
OCF(TTM)7.58
OCFY42.85%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.23
PEG (5Y)0.48
Graham Number84.09
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
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-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
WACC4.73%
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 Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
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 5Y31.77%
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%
SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP / SLF-PR-J.CA FAQ
What is the fundamental rating for SLF-PR-J stock?
ChartMill assigns a fundamental rating of 5 / 10 to SLF-PR-J.CA.
What is the valuation status of SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP?
SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) has a profitability rating of 4 / 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 3.63 PERP (SLF-PR-J.CA) is 2.51 and the Price/Book (PB) ratio is 0.4.
How financially healthy is SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP?
The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) is 4 / 10.