SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) Fundamental Analysis & Valuation

TSX:SLF-PR-J • CA8667968736

Current stock price

18.91 CAD
+0.06 (+0.32%)
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.

4

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.
  • In the past 5 years SLF-PR-J has always been profitable.
  • SLF-PR-J had a positive operating cash flow in 4 of the past 5 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 2025 0 5B 10B 15B 20B

1.2 Ratios

  • SLF-PR-J has a Return On Assets of 0.87%. This is in the better half of the industry: SLF-PR-J outperforms 75.95% of its industry peers.
  • With an excellent Return On Equity value of 13.76%, SLF-PR-J belongs to the best of the industry, outperforming 82.28% of the companies in the same industry.
Industry RankSector 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
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 2025 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 9.90%, SLF-PR-J is in line with its industry, outperforming 45.57% of the companies in the same industry.
  • SLF-PR-J's Profit Margin has improved in the last couple of years.
  • SLF-PR-J has a Operating Margin of 15.17%. This is in the lower half of the industry: SLF-PR-J underperforms 65.82% of its industry peers.
  • SLF-PR-J's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 2025 0 20 40

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3

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.
  • SLF-PR-J has less shares outstanding than it did 1 year ago.
  • SLF-PR-J has less shares outstanding than it did 5 years ago.
  • SLF-PR-J has a worse debt/assets ratio than last year.
SLF-PR-J.CA Yearly Shares OutstandingSLF-PR-J.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B

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 decent Debt to FCF ratio value of 3.15, SLF-PR-J is doing good in the industry, outperforming 60.76% of the companies in the same industry.
  • SLF-PR-J has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • SLF-PR-J has a Debt to Equity ratio of 0.33. This is comparable to the rest of the industry: SLF-PR-J outperforms 43.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC4.1%
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 2025 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 2025 2B 4B 6B 8B 10B

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

5

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.
  • SLF-PR-J shows a small growth in Revenue. In the last year, the Revenue has grown by 4.34%.
  • 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.
  • Based on estimates for the next years, SLF-PR-J will show a very strong growth in Revenue. The Revenue will grow by 39.91% on average per year.
EPS Next Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y6.32%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%

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.
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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7

4. SLF-PR-J.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.55, the valuation of SLF-PR-J can be described as very cheap.
  • 87.34% of the companies in the same industry are more expensive than SLF-PR-J, based on the Price/Earnings ratio.
  • SLF-PR-J's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
  • The Price/Forward Earnings ratio is 2.34, which indicates a rather cheap valuation of SLF-PR-J.
  • Based on the Price/Forward Earnings ratio, SLF-PR-J is valued cheaply inside the industry as 88.61% of the companies are valued more expensively.
  • SLF-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.55
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 10 20 30

4.2 Price Multiples

  • SLF-PR-J's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SLF-PR-J is cheaper than 62.03% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.95
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 2Y8.65%
EPS Next 3Y8.39%

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

7

5. SLF-PR-J.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.03%, SLF-PR-J is a good candidate for dividend investing.
  • SLF-PR-J's Dividend Yield is rather good when compared to the industry average which is at 3.69. SLF-PR-J pays more dividend than 81.01% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, SLF-PR-J pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.03%

5.2 History

  • The dividend of SLF-PR-J is nicely growing with an annual growth rate of 9.56%!
  • SLF-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)9.56%
Div Incr Years0
Div Non Decr Years0
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 2026 0.5 1 1.5

5.3 Sustainability

  • 59.45% of the earnings are spent on dividend by SLF-PR-J. This is a bit on the high side, but may be sustainable.
  • SLF-PR-J's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
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 2025 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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SLF-PR-J.CA Fundamentals: All Metrics, Ratios and Statistics

SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP

TSX:SLF-PR-J (4/10/2026, 7:00:00 PM)

18.91

+0.06 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.3%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap10.48B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target20.33 (7.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.03%
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-25
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)-3.43%
PT rev (3m)-5.82%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 2.55
Fwd PE 2.34
P/S 0.3
P/FCF 3.95
P/OCF 3.74
P/B 0.42
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)7.43
EY39.29%
EPS(NY)8.07
Fwd EY42.68%
FCF(TTM)4.79
FCFY25.33%
OCF(TTM)5.05
OCFY26.72%
SpS63.33
BVpS45.54
TBVpS19.03
PEG (NY)0.3
PEG (5Y)0.41
Graham Number87.25
Profitability
Industry RankSector 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 RankSector 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
WACC4.1%
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 Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
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 3.68 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 3.68 PERP (SLF-PR-J.CA). This can be considered as Undervalued.


What is the profitability of SLF-PR-J stock?

SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) has a profitability rating of 4 / 10.


What is the financial health of SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) stock?

The financial health rating of SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) is 3 / 10.


What is the expected EPS growth for SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) stock?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 3.68 PERP (SLF-PR-J.CA) is expected to grow by 8.62% in the next year.