SUN LIFE FINANCIAL INC (SLF.CA) Fundamental Analysis & Valuation

TSX:SLF • CA8667961053

Current stock price

96.87 CAD
+0.48 (+0.5%)
Last:

This SLF.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SLF.CA Profitability Analysis

1.1 Basic Checks

  • SLF had positive earnings in the past year.
  • SLF had a positive operating cash flow in the past year.
  • SLF had positive earnings in each of the past 5 years.
  • SLF had a positive operating cash flow in 4 of the past 5 years.
SLF.CA Yearly Net Income VS EBIT VS OCF VS FCFSLF.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

  • Looking at the Return On Assets, with a value of 0.87%, SLF is in the better half of the industry, outperforming 67.50% of the companies in the same industry.
  • The Return On Equity of SLF (13.76%) is better than 73.75% of its industry peers.
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.CA Yearly ROA, ROE, ROICSLF.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 is doing worse than 62.50% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SLF has grown nicely.
  • Looking at the Operating Margin, with a value of 15.17%, SLF is doing worse than 75.00% of the companies in the same industry.
  • SLF'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.CA Yearly Profit, Operating, Gross MarginsSLF.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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2

2. SLF.CA Health Analysis

2.1 Basic Checks

  • SLF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SLF has been reduced compared to 1 year ago.
  • Compared to 5 years ago, SLF has less shares outstanding
  • The debt/assets ratio for SLF is higher compared to a year ago.
SLF.CA Yearly Shares OutstandingSLF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
SLF.CA Yearly Total Debt VS Total AssetsSLF.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

  • The Debt to FCF ratio of SLF is 3.15, which is a good value as it means it would take SLF, 3.15 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of SLF (3.15) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.33 indicates that SLF is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.33, SLF is not doing good in the industry: 65.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC6.2%
SLF.CA Yearly LT Debt VS Equity VS FCFSLF.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.CA Yearly Current Assets VS Current LiabilitesSLF.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.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.56% over the past year.
  • The Earnings Per Share has been growing slightly by 6.28% on average over the past years.
  • SLF shows a small growth in Revenue. In the last year, the Revenue has grown by 4.34%.
  • The Revenue has been decreasing by -0.77% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 6.32% on average over the next years.
  • SLF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.91% yearly.
EPS Next Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y6.32%
Revenue Next Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
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.CA Yearly Revenue VS EstimatesSLF.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.CA Yearly EPS VS EstimatesSLF.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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2

4. SLF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • SLF is valuated correctly with a Price/Earnings ratio of 13.04.
  • SLF's Price/Earnings ratio is a bit more expensive when compared to the industry. SLF is more expensive than 67.50% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.47, SLF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 12.00, the valuation of SLF can be described as correct.
  • SLF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLF is more expensive than 63.75% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SLF to the average of the S&P500 Index (22.62), we can say SLF is valued slightly cheaper.
Industry RankSector Rank
PE 13.04
Fwd PE 12
SLF.CA Price Earnings VS Forward Price EarningsSLF.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 indicates a slightly more expensive valuation: SLF is more expensive than 72.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.22
EV/EBITDA N/A
SLF.CA Per share dataSLF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.51
PEG (5Y)2.08
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.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.91%, SLF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.61, SLF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, SLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.91%

5.2 History

  • The dividend of SLF is nicely growing with an annual growth rate of 9.56%!
  • SLF has paid a dividend for at least 10 years, which is a reliable track record.
  • SLF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.56%
Div Incr Years11
Div Non Decr Years25
SLF.CA Yearly Dividends per shareSLF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 59.45% of the earnings are spent on dividend by SLF. This is a bit on the high side, but may be sustainable.
  • The dividend of SLF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
SLF.CA Yearly Income VS Free CF VS DividendSLF.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.CA Dividend Payout.SLF.CA Dividend Payout, showing the Payout Ratio.SLF.CA Dividend Payout.PayoutRetained Earnings

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SLF.CA Fundamentals: All Metrics, Ratios and Statistics

SUN LIFE FINANCIAL INC

TSX:SLF (4/23/2026, 7:00:00 PM)

96.87

+0.48 (+0.5%)

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 Cap53.67B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target99.25 (2.46%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.91%
Yearly Dividend3.66
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years11
Div Non Decr Years25
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)0.16%
PT rev (3m)4.89%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)0.57%
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)5.36%
Revenue NY rev (3m)5.36%
Valuation
Industry RankSector Rank
PE 13.04
Fwd PE 12
P/S 1.53
P/FCF 20.22
P/OCF 19.17
P/B 2.13
P/tB 5.09
EV/EBITDA N/A
EPS(TTM)7.43
EY7.67%
EPS(NY)8.07
Fwd EY8.33%
FCF(TTM)4.79
FCFY4.95%
OCF(TTM)5.05
OCFY5.22%
SpS63.33
BVpS45.54
TBVpS19.03
PEG (NY)1.51
PEG (5Y)2.08
Graham Number87.2506 (-9.93%)
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
WACC6.2%
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 Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
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 / SLF.CA Fundamental Analysis FAQ

What is the fundamental rating for SLF stock?

ChartMill assigns a fundamental rating of 3 / 10 to SLF.CA.


Can you provide the valuation status for SUN LIFE FINANCIAL INC?

ChartMill assigns a valuation rating of 2 / 10 to SUN LIFE FINANCIAL INC (SLF.CA). This can be considered as Overvalued.


Can you provide the profitability details for SUN LIFE FINANCIAL INC?

SUN LIFE FINANCIAL INC (SLF.CA) has a profitability rating of 3 / 10.


What is the earnings growth outlook for SUN LIFE FINANCIAL INC?

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


How sustainable is the dividend of SUN LIFE FINANCIAL INC (SLF.CA) stock?

The dividend rating of SUN LIFE FINANCIAL INC (SLF.CA) is 7 / 10 and the dividend payout ratio is 59.45%.