SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF-PR-K - CA8667968579
24.25 CAD
+0.25 (+1.04%)
SLF-PR-K gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. Both the profitability and financial health of SLF-PR-K have multiple concerns. SLF-PR-K has a decent growth rate and is not valued too expensively.
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
- SLF-PR-K has a Return On Assets of 0.76%. This is in the better half of the industry: SLF-PR-K outperforms 66.67% of its industry peers.
- With a Return On Equity value of 11.62%, SLF-PR-K is not doing good in the industry: 61.73% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 8.57%, SLF-PR-K is doing worse than 62.96% of the companies in the same industry.
- In the last couple of years the Profit Margin of SLF-PR-K has grown nicely.
- Looking at the Operating Margin, with a value of 13.88%, SLF-PR-K is doing worse than 74.07% of the companies in the same industry.
- SLF-PR-K's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
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.
- SLF-PR-K has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SLF-PR-K has less shares outstanding
- The debt/assets ratio for SLF-PR-K has been reduced compared to a year ago.
2.2 Solvency
- SLF-PR-K has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF-PR-K would need 3.56 years to pay back of all of its debts.
- SLF-PR-K has a Debt to FCF ratio of 3.56. This is in the lower half of the industry: SLF-PR-K underperforms 64.20% of its industry peers.
- SLF-PR-K has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
- SLF-PR-K has a worse Debt to Equity ratio (0.29) than 60.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.94%
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 7.36%.
- Measured over the past 5 years, SLF-PR-K shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
- Looking at the last year, SLF-PR-K shows a small growth in Revenue. The Revenue has grown by 5.51% in the last year.
- The Revenue has been growing slightly by 0.65% on average over the past years.
EPS 1Y (TTM)7.36%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%5.68%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
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 7.41% on average per year.
- The Revenue is expected to grow by 29.47% on average over the next years. This is a very strong growth
EPS Next Y11.3%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
EPS Next 5Y7.41%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.47%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better 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 3.39, the valuation of SLF-PR-K can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of SLF-PR-K indicates a rather cheap valuation: SLF-PR-K is cheaper than 80.25% of the companies listed in the same industry.
- SLF-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 3.03, the valuation of SLF-PR-K can be described as very cheap.
- SLF-PR-K's Price/Forward Earnings ratio is rather cheap when compared to the industry. SLF-PR-K is cheaper than 81.48% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. SLF-PR-K is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.39 | ||
| Fwd PE | 3.03 |
4.2 Price Multiples
- 62.96% of the companies in the same industry are cheaper than SLF-PR-K, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.53 | ||
| 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)0.3
PEG (5Y)0.64
EPS Next 2Y9.69%
EPS Next 3Y9.49%
5. Dividend
5.1 Amount
- SLF-PR-K has a Yearly Dividend Yield of 4.30%, which is a nice return.
- SLF-PR-K's Dividend Yield is a higher than the industry average which is at 3.60.
- Compared to an average S&P500 Dividend Yield of 1.92, SLF-PR-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
5.2 History
- The dividend of SLF-PR-K is nicely growing with an annual growth rate of 8.81%!
- 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 67.93% of its income as dividend. This is not a sustainable payout ratio.
- SLF-PR-K's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP
TSX:SLF-PR-K (1/14/2026, 7:00:00 PM)
24.25
+0.25 (+1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-11 2026-02-11/amc
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap13.52B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target26.54 (9.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
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)3.29%
PT rev (3m)7.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.39 | ||
| Fwd PE | 3.03 | ||
| P/S | 0.39 | ||
| P/FCF | 6.53 | ||
| P/OCF | 6.12 | ||
| P/B | 0.53 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY29.48%
EPS(NY)8.01
Fwd EY33.05%
FCF(TTM)3.72
FCFY15.32%
OCF(TTM)3.96
OCFY16.35%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.3
PEG (5Y)0.64
Graham Number86.12
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC4.94%
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)7.36%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%5.68%
EPS Next Y11.3%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
EPS Next 5Y7.41%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.47%
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 4.37 PERP / SLF-PR-K.CA FAQ
What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF-PR-K.CA.
Can you provide the valuation status for SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP?
ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.37 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 4.37 PERP (SLF-PR-K.CA) has a profitability rating of 3 / 10.
What is the expected EPS growth for SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) is expected to grow by 11.3% in the next year.
How sustainable is the dividend of SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) stock?
The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.37 PERP (SLF-PR-K.CA) is 6 / 10 and the dividend payout ratio is 67.93%.