SUN LIFE FINANCIAL INC (SLF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF - CA8667961053 - Common Stock
87.47 CAD
+0.26 (+0.3%)
Overall SLF gets a fundamental rating of 4 out of 10. We evaluated SLF against 80 industry peers in the Insurance industry. SLF may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, SLF is valued expensive at the moment. Finally SLF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- SLF had positive earnings in the past year.
- In the past year SLF had a positive cash flow from operations.
- 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.
1.2 Ratios
- SLF's Return On Assets of 0.76% is fine compared to the rest of the industry. SLF outperforms 65.43% of its industry peers.
- With a Return On Equity value of 11.62%, SLF is not doing good in the industry: 62.96% 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
- SLF has a Profit Margin of 8.57%. This is in the lower half of the industry: SLF underperforms 64.20% of its industry peers.
- SLF's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 13.88%, SLF is doing worse than 75.31% of the companies in the same industry.
- SLF'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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
- SLF has less shares outstanding than it did 1 year ago.
- SLF has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SLF has an improved debt to assets ratio.
2.2 Solvency
- SLF has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF would need 3.56 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 3.56, SLF is not doing good in the industry: 65.43% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.29 indicates that SLF is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.29, SLF is doing worse than 61.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SLF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.36%.
- The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
- The Revenue has been growing slightly by 5.51% in the past 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
- SLF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
- Based on estimates for the next years, SLF will show a very strong growth in Revenue. The Revenue will grow by 29.23% on average per year.
EPS Next Y11.3%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- A Price/Earnings ratio of 12.23 indicates a correct valuation of SLF.
- 67.90% of the companies in the same industry are cheaper than SLF, based on the Price/Earnings ratio.
- SLF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- SLF is valuated reasonably with a Price/Forward Earnings ratio of 10.92.
- Based on the Price/Forward Earnings ratio, SLF is valued a bit more expensive than the industry average as 61.73% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SLF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 10.92 |
4.2 Price Multiples
- 76.54% of the companies in the same industry are cheaper than SLF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.54 | ||
| EV/EBITDA | N/A |
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)1.08
PEG (5Y)2.32
EPS Next 2Y9.69%
EPS Next 3Y9.49%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.22%, SLF is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.15, SLF has a dividend in line with its industry peers.
- SLF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
5.2 History
- On average, the dividend of SLF grows each year by 8.81%, which is quite nice.
- SLF has been paying a dividend for at least 10 years, so it has a reliable track record.
- SLF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.81%
Div Incr Years10
Div Non Decr Years24
5.3 Sustainability
- SLF pays out 67.93% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of SLF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
TSX:SLF (1/16/2026, 7:00:00 PM)
87.47
+0.26 (+0.3%)
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 Cap48.76B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target94.62 (8.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years10
Div Non Decr Years24
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)0.67%
PT rev (3m)4.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.91%
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 | 12.23 | ||
| Fwd PE | 10.92 | ||
| P/S | 1.4 | ||
| P/FCF | 23.54 | ||
| P/OCF | 22.06 | ||
| P/B | 1.9 | ||
| P/tB | 4.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY8.17%
EPS(NY)8.01
Fwd EY9.16%
FCF(TTM)3.72
FCFY4.25%
OCF(TTM)3.96
OCFY4.53%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)1.08
PEG (5Y)2.32
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
WACC6.1%
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 5Y7.21%
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 / SLF.CA FAQ
What is the fundamental rating for SLF stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF.CA.
Can you provide the valuation status for SUN LIFE FINANCIAL INC?
ChartMill assigns a valuation rating of 3 / 10 to SUN LIFE FINANCIAL INC (SLF.CA). This can be considered as Overvalued.
How profitable is SUN LIFE FINANCIAL INC (SLF.CA) stock?
SUN LIFE FINANCIAL INC (SLF.CA) has a profitability rating of 3 / 10.
Can you provide the financial health for SLF stock?
The financial health rating of SUN LIFE FINANCIAL INC (SLF.CA) is 2 / 10.
What is the expected EPS growth for SUN LIFE FINANCIAL INC (SLF.CA) stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC (SLF.CA) is expected to grow by 11.3% in the next year.