SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP (SLF-PR-J.CA) Stock Fundamental Analysis

TSX:SLF-PR-J • CA8667968736

18.78 CAD
-0.42 (-2.19%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, SLF-PR-J scores 4 out of 10 in our fundamental rating. SLF-PR-J was compared to 76 industry peers in the Insurance industry. SLF-PR-J has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-J has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

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.
  • Of the past 5 years SLF-PR-J 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: SLF-PR-J reported negative operating cash flow in multiple years.
SLF-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-J has a better Return On Assets (0.76%) than 73.08% of its industry peers.
  • With a Return On Equity value of 11.62%, SLF-PR-J perfoms like the industry average, outperforming 43.59% of the companies in the same industry.
Industry RankSector 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
SLF-PR-J.CA Yearly ROA, ROE, ROICSLF-PR-J.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • SLF-PR-J has a Profit Margin (8.57%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of SLF-PR-J has grown nicely.
  • The Operating Margin of SLF-PR-J (13.88%) is worse than 69.23% of its industry peers.
  • SLF-PR-J's Operating Margin has declined in the last couple of years.
Industry RankSector 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
SLF-PR-J.CA Yearly Profit, Operating, Gross MarginsSLF-PR-J.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SLF-PR-J.CA Yearly Shares OutstandingSLF-PR-J.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-J.CA Yearly Total Debt VS Total AssetsSLF-PR-J.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

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 has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.73%
SLF-PR-J.CA Yearly LT Debt VS Equity VS FCFSLF-PR-J.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF-PR-J.CA Yearly Current Assets VS Current LiabilitesSLF-PR-J.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.87% 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 6.15% on average per year.
EPS 1Y (TTM)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%

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 5.92% on average per year.
  • Based on estimates for the next years, SLF-PR-J will show a very strong growth in Revenue. The Revenue will grow by 39.16% on average per year.
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%

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.
SLF-PR-J.CA Yearly Revenue VS EstimatesSLF-PR-J.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
SLF-PR-J.CA Yearly EPS VS EstimatesSLF-PR-J.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.54, the valuation of SLF-PR-J can be described as very cheap.
  • 87.18% of the companies in the same industry are more expensive than SLF-PR-J, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of SLF-PR-J to the average of the S&P500 Index (27.09), we can say SLF-PR-J is valued rather cheaply.
  • The Price/Forward Earnings ratio is 2.34, which indicates a rather cheap valuation of SLF-PR-J.
  • SLF-PR-J's Price/Forward Earnings ratio is rather cheap when compared to the industry. SLF-PR-J is cheaper than 88.46% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. SLF-PR-J is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.54
Fwd PE 2.34
SLF-PR-J.CA Price Earnings VS Forward Price EarningsSLF-PR-J.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLF-PR-J is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 5.05
EV/EBITDA N/A
SLF-PR-J.CA Per share dataSLF-PR-J.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.3
PEG (5Y)0.41
EPS Next 2Y8.87%
EPS Next 3Y6.39%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • SLF-PR-J has a Yearly Dividend Yield of 3.93%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.93, SLF-PR-J is paying slightly less dividend.
  • SLF-PR-J's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 3.93%

5.2 History

  • The dividend of SLF-PR-J is nicely growing with an annual growth rate of 8.81%!
  • 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
SLF-PR-J.CA Yearly Dividends per shareSLF-PR-J.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 2Y8.87%
EPS Next 3Y6.39%
SLF-PR-J.CA Yearly Income VS Free CF VS DividendSLF-PR-J.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
SLF-PR-J.CA Dividend Payout.SLF-PR-J.CA Dividend Payout, showing the Payout Ratio.SLF-PR-J.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP

TSX:SLF-PR-J (2/18/2026, 7:00:00 PM)

18.78

-0.42 (-2.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap10.47B
Revenue(TTM)N/A
Net Income(TTM)2.99B
Analysts73.68
Price Target20.81 (10.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years3
Div Non Decr Years3
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)-3.56%
PT rev (3m)1.72%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.16%
Valuation
Industry RankSector Rank
PE 2.54
Fwd PE 2.34
P/S 0.3
P/FCF 5.05
P/OCF 4.74
P/B 0.41
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)7.38
EY39.3%
EPS(NY)8.01
Fwd EY42.68%
FCF(TTM)3.72
FCFY19.78%
OCF(TTM)3.96
OCFY21.11%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.3
PEG (5Y)0.41
Graham Number87.5
Profitability
Industry RankSector 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 RankSector 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
WACC4.73%
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)10.87%
EPS 3Y5.6%
EPS 5Y6.15%
EPS Q2Q%13.92%
EPS Next Y8.55%
EPS Next 2Y8.87%
EPS Next 3Y6.39%
EPS Next 5Y5.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.65%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%
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 3.58 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 for SLF-PR-J stock?

ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP (SLF-PR-J.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP?

SUN LIFE FINANCIAL INC - SLFCN 3.58 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 3.58 PERP (SLF-PR-J.CA) is 2.54 and the Price/Book (PB) ratio is 0.41.


Is the dividend of SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP sustainable?

The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 3.58 PERP (SLF-PR-J.CA) is 5 / 10 and the dividend payout ratio is 67.93%.