SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP (SLF-PR-K.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:SLF-PR-K • CA8667968579

22.95 CAD
-0.05 (-0.22%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

SLF-PR-K gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 78 industry peers in the Insurance industry. SLF-PR-K has a bad profitability rating. Also its financial health evaluation is rather negative. SLF-PR-K has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year SLF-PR-K was profitable.
  • In the past year SLF-PR-K had a positive cash flow from operations.
  • Each year in the past 5 years SLF-PR-K has been profitable.
  • Of the past 5 years SLF-PR-K 4 years had a positive operating cash flow.
SLF-PR-K.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF-PR-K.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-K has a better Return On Assets (0.76%) than 66.25% of its industry peers.
  • With a Return On Equity value of 11.62%, SLF-PR-K is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
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-K.CA Yearly ROA, ROE, ROICSLF-PR-K.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-K's Profit Margin of 8.57% is on the low side compared to the rest of the industry. SLF-PR-K is outperformed by 62.50% of its industry peers.
  • In the last couple of years the Profit Margin of SLF-PR-K has grown nicely.
  • SLF-PR-K has a Operating Margin of 13.88%. This is in the lower half of the industry: SLF-PR-K underperforms 73.75% of its industry peers.
  • In the last couple of years the Operating Margin of SLF-PR-K has declined.
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-K.CA Yearly Profit, Operating, Gross MarginsSLF-PR-K.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-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.
  • 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.
SLF-PR-K.CA Yearly Shares OutstandingSLF-PR-K.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
SLF-PR-K.CA Yearly Total Debt VS Total AssetsSLF-PR-K.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-K is 3.56, which is a good value as it means it would take SLF-PR-K, 3.56 years of fcf income to pay off 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 63.75% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that SLF-PR-K is not too dependend on debt financing.
  • SLF-PR-K has a worse Debt to Equity ratio (0.29) than 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.56
Altman-Z N/A
ROIC/WACCN/A
WACC4.84%
SLF-PR-K.CA Yearly LT Debt VS Equity VS FCFSLF-PR-K.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-K.CA Yearly Current Assets VS Current LiabilitesSLF-PR-K.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

6

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%.
  • SLF-PR-K shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
  • The Revenue has been growing slightly by 5.51% in the past year.
  • SLF-PR-K shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.65% yearly.
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

  • SLF-PR-K is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
  • SLF-PR-K is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.23% yearly.
EPS Next Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.23%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
SLF-PR-K.CA Yearly Revenue VS EstimatesSLF-PR-K.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-K.CA Yearly EPS VS EstimatesSLF-PR-K.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

  • The Price/Earnings ratio is 3.21, which indicates a rather cheap valuation of SLF-PR-K.
  • SLF-PR-K's Price/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.
  • SLF-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.93, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 2.86, the valuation of SLF-PR-K can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, SLF-PR-K is valued cheaper than 81.25% of the companies in the same industry.
  • SLF-PR-K is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.21
Fwd PE 2.86
SLF-PR-K.CA Price Earnings VS Forward Price EarningsSLF-PR-K.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 62.50% of the companies in the same industry are cheaper than SLF-PR-K, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.18
EV/EBITDA N/A
SLF-PR-K.CA Per share dataSLF-PR-K.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)0.28
PEG (5Y)0.61
EPS Next 2Y9.7%
EPS Next 3Y9.53%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.15%, SLF-PR-K is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.53, SLF-PR-K pays a bit more dividend than its industry peers.
  • SLF-PR-K's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.15%

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
SLF-PR-K.CA Yearly Dividends per shareSLF-PR-K.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

  • 67.93% of the earnings are spent on dividend by SLF-PR-K. 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.
DP67.93%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
SLF-PR-K.CA Yearly Income VS Free CF VS DividendSLF-PR-K.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-K.CA Dividend Payout.SLF-PR-K.CA Dividend Payout, showing the Payout Ratio.SLF-PR-K.CA Dividend Payout.PayoutRetained Earnings

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SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP

TSX:SLF-PR-K (2/6/2026, 7:00:00 PM)

22.95

-0.05 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-11
Inst Owners56.05%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap12.79B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target26.54 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.15%
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)0%
PT rev (3m)10.06%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)0.07%
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 3.21
Fwd PE 2.86
P/S 0.37
P/FCF 6.18
P/OCF 5.79
P/B 0.5
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)7.15
EY31.15%
EPS(NY)8.01
Fwd EY34.92%
FCF(TTM)3.72
FCFY16.19%
OCF(TTM)3.96
OCFY17.28%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)0.28
PEG (5Y)0.61
Graham Number86.12
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
WACC4.84%
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 Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
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 5Y29.23%
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 4.36 PERP / SLF-PR-K.CA FAQ

What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC - SLFCN 4.36 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 4.36 PERP?

ChartMill assigns a valuation rating of 6 / 10 to SUN LIFE FINANCIAL INC - SLFCN 4.36 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 4.36 PERP (SLF-PR-K.CA) has a profitability rating of 3 / 10.


What is the expected EPS growth for SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP (SLF-PR-K.CA) stock?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP (SLF-PR-K.CA) is expected to grow by 11.37% in the next year.


How sustainable is the dividend of SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP (SLF-PR-K.CA) stock?

The dividend rating of SUN LIFE FINANCIAL INC - SLFCN 4.36 PERP (SLF-PR-K.CA) is 6 / 10 and the dividend payout ratio is 67.93%.