SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) Fundamental Analysis & Valuation
TSX:SLF-PR-J • CA8667968736
Current stock price
18.6 CAD
+0.03 (+0.16%)
Last:
This SLF-PR-J.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. SLF-PR-J.CA Profitability Analysis
1.1 Basic Checks
- In the past year SLF-PR-J was profitable.
- 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.
- SLF-PR-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of SLF-PR-J (0.87%) is better than 75.95% of its industry peers.
- Looking at the Return On Equity, with a value of 13.76%, SLF-PR-J is in the better half of the industry, outperforming 77.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 13.76% | ||
| ROIC | N/A |
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of SLF-PR-J (9.90%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of SLF-PR-J has grown nicely.
- With a Operating Margin value of 15.17%, SLF-PR-J is not doing good in the industry: 65.82% of the companies in the same industry are doing better.
- SLF-PR-J's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.17% | ||
| PM (TTM) | 9.9% | ||
| GM | N/A |
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
2. SLF-PR-J.CA Health Analysis
2.1 Basic Checks
- SLF-PR-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for SLF-PR-J has been reduced compared to 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 worse debt/assets ratio than last year.
2.2 Solvency
- SLF-PR-J has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as SLF-PR-J would need 3.15 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 3.15, SLF-PR-J perfoms like the industry average, outperforming 59.49% of the companies in the same industry.
- A Debt/Equity ratio of 0.33 indicates that SLF-PR-J is not too dependend on debt financing.
- SLF-PR-J's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. SLF-PR-J outperforms 43.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 3.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. SLF-PR-J.CA Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 11.56% over the past year.
- Measured over the past 5 years, SLF-PR-J shows a small growth in Earnings Per Share. The EPS has been growing by 6.28% on average per year.
- The Revenue has been growing slightly by 4.34% in the past year.
- Measured over the past years, SLF-PR-J shows a decrease in Revenue. The Revenue has been decreasing by -0.77% on average per year.
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
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 6.32% on average per year.
- The Revenue is expected to grow by 39.91% on average over the next years. This is a very strong growth
EPS Next Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. SLF-PR-J.CA Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 2.50 indicates a rather cheap valuation of SLF-PR-J.
- Compared to the rest of the industry, the Price/Earnings ratio of SLF-PR-J indicates a rather cheap valuation: SLF-PR-J is cheaper than 87.34% of the companies listed in the same industry.
- SLF-PR-J is valuated cheaply when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
- SLF-PR-J is valuated cheaply with a Price/Forward Earnings ratio of 2.30.
- Based on the Price/Forward Earnings ratio, SLF-PR-J is valued cheaper than 88.61% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SLF-PR-J to the average of the S&P500 Index (24.04), we can say SLF-PR-J is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.5 | ||
| Fwd PE | 2.3 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SLF-PR-J is valued a bit cheaper than the industry average as 62.03% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.88 | ||
| 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)0.4
EPS Next 2Y8.68%
EPS Next 3Y8.36%
5. SLF-PR-J.CA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 5.39%, SLF-PR-J is a good candidate for dividend investing.
- SLF-PR-J's Dividend Yield is comparable with the industry average which is at 4.82.
- SLF-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
- The dividend of SLF-PR-J is nicely growing with an annual growth rate of 9.56%!
- 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)9.56%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- SLF-PR-J pays out 59.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of SLF-PR-J is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
SLF-PR-J.CA Fundamentals: All Metrics, Ratios and Statistics
SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP
TSX:SLF-PR-J (3/13/2026, 7:00:00 PM)
18.6
+0.03 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2026-02-11/amc
Earnings (Next)05-06 2026-05-06/amc
Inst Owners55.8%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap10.30B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target21.05 (13.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-25 2026-02-25 (0.223644)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.1%
Min EPS beat(2)0.48%
Max EPS beat(2)3.72%
EPS beat(4)3
Avg EPS beat(4)2.39%
Min EPS beat(4)-0.3%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.44%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)12
Avg EPS beat(16)2.24%
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)1.13%
PT rev (3m)-2.47%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0.79%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.5 | ||
| Fwd PE | 2.3 | ||
| P/S | 0.29 | ||
| P/FCF | 3.88 | ||
| P/OCF | 3.68 | ||
| P/B | 0.41 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.43
EY39.95%
EPS(NY)8.08
Fwd EY43.43%
FCF(TTM)4.79
FCFY25.76%
OCF(TTM)5.05
OCFY27.16%
SpS63.34
BVpS45.54
TBVpS19.03
PEG (NY)0.29
PEG (5Y)0.4
Graham Number87.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 13.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.17% | ||
| PM (TTM) | 9.9% | ||
| GM | N/A | ||
| FCFM | 7.56% |
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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)1.39%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 3.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.41% | ||
| Interest Coverage | 15 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 76.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)110.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
EPS Next Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%
EBIT growth 1Y6.42%
EBIT growth 3Y-37.98%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.09%
FCF growth 3Y-14.93%
FCF growth 5Y-17.85%
OCF growth 1Y10.55%
OCF growth 3Y-13.41%
OCF growth 5Y-17.34%
SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP / SLF-PR-J.CA Fundamental Analysis 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 for SLF-PR-J stock?
ChartMill assigns a valuation rating of 7 / 10 to SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA). This can be considered as Undervalued.
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 2.5 and the Price/Book (PB) ratio is 0.41.
Is the dividend of SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP sustainable?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 3.63 PERP (SLF-PR-J.CA) is 6 / 10 and the dividend payout ratio is 59.45%.