SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:SLF-PR-K - CA8667968579
22.54 CAD
+0.01 (+0.04%)
SLF-PR-K gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. SLF-PR-K has only an average score on both its financial health and profitability. SLF-PR-K has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SLF-PR-K had positive earnings in the past year.
SLF-PR-K had a positive operating cash flow in the past year.
Each year in the past 5 years SLF-PR-K has been profitable.
SLF-PR-K had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.86%, SLF-PR-K is doing good in the industry, outperforming 67.50% of the companies in the same industry.
The Return On Equity of SLF-PR-K (12.85%) is better than 81.25% 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-K has a Profit Margin (9.34%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SLF-PR-K has grown nicely.
The Operating Margin of SLF-PR-K (14.71%) is worse than 92.50% of its industry peers.
In the last couple of years the Operating Margin of SLF-PR-K has declined.
| 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-K does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SLF-PR-K has less shares outstanding
The number of shares outstanding for SLF-PR-K has been reduced compared to 5 years ago.
SLF-PR-K has a better debt/assets ratio than last year.
2.2 Solvency
SLF-PR-K has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.54, SLF-PR-K is doing good in the industry, outperforming 72.50% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that SLF-PR-K is not too dependend on debt financing.
SLF-PR-K has a better Debt to Equity ratio (0.25) than 82.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF-PR-K shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.02%, which is quite good.
The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
Looking at the last year, SLF-PR-K shows a quite strong growth in Revenue. The Revenue has grown by 8.17% in the last year.
Measured over the past years, SLF-PR-K shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
EPS 1Y (TTM)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
3.2 Future
Based on estimates for the next years, SLF-PR-K will show a small growth in Earnings Per Share. The EPS will grow by 6.03% on average per year.
Based on estimates for the next years, SLF-PR-K will show a very strong growth in Revenue. The Revenue will grow by 31.96% on average per year.
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
SLF-PR-K is valuated cheaply with a Price/Earnings ratio of 3.13.
SLF-PR-K's Price/Earnings ratio is a bit cheaper when compared to the industry. SLF-PR-K is cheaper than 78.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, SLF-PR-K is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.80, the valuation of SLF-PR-K can be described as very cheap.
SLF-PR-K's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SLF-PR-K is cheaper than 80.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. SLF-PR-K is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.13 | ||
| Fwd PE | 2.8 |
4.2 Price Multiples
SLF-PR-K's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SLF-PR-K's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.28
PEG (5Y)0.59
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.25%, SLF-PR-K has a reasonable but not impressive dividend return.
SLF-PR-K's Dividend Yield is slightly below the industry average, which is at 3.67.
Compared to an average S&P500 Dividend Yield of 2.36, SLF-PR-K pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
5.2 History
On average, the dividend of SLF-PR-K grows each year by 8.81%, which is quite nice.
SLF-PR-K has paid a dividend for at least 10 years, which is a reliable track record.
SLF-PR-K 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-K pays out 62.09% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SLF-PR-K is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP
TSX:SLF-PR-K (11/7/2025, 7:00:00 PM)
22.54
+0.01 (+0.04%)
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 Cap12.70B
Revenue(TTM)33.63B
Net Income(TTM)3.23B
Analysts74.74
Price Target24.11 (6.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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)-2.45%
PT rev (3m)-2.17%
EPS NQ rev (1m)0.47%
EPS NQ rev (3m)-1.61%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.13 | ||
| Fwd PE | 2.8 | ||
| P/S | 0.37 | ||
| P/FCF | 3.07 | ||
| P/OCF | 2.98 | ||
| P/B | 0.51 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.19
EY31.9%
EPS(NY)8.05
Fwd EY35.71%
FCF(TTM)7.33
FCFY32.54%
OCF(TTM)7.58
OCFY33.61%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)0.28
PEG (5Y)0.59
Graham Number84.92
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
WACC4.82%
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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 4.39 PERP / SLF-PR-K.CA FAQ
What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SLF-PR-K.CA.
What is the valuation status for SLF-PR-K stock?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA). This can be considered as Fairly Valued.
What is the profitability of SLF-PR-K stock?
SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA) has a profitability rating of 4 / 10.
What is the valuation of SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA) is 3.13 and the Price/Book (PB) ratio is 0.51.
Can you provide the dividend sustainability for SLF-PR-K stock?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.39 PERP (SLF-PR-K.CA) is 4 / 10 and the dividend payout ratio is 62.09%.