SUN LIFE FINANCIAL INC (SLF.CA) Stock Fundamental Analysis
TSX:SLF • CA8667961053
93.64 CAD
+5.57 (+6.32%)
Last: Feb 12, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to SLF. SLF was compared to 78 industry peers in the Insurance industry. SLF has a bad profitability rating. Also its financial health evaluation is rather negative. 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 has a better Return On Assets (0.76%) than 64.10% of its industry peers.
- SLF has a Return On Equity of 11.62%. This is in the lower half of the industry: SLF underperforms 64.10% of its industry peers.
| 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 worse Profit Margin (8.57%) than 66.67% of its industry peers.
- In the last couple of years the Profit Margin of SLF has grown nicely.
- Looking at the Operating Margin, with a value of 13.88%, SLF is doing worse than 76.92% 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.
- The number of shares outstanding for SLF has been reduced compared to 1 year ago.
- SLF has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for SLF has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of SLF is 3.56, which is a good value as it means it would take SLF, 3.56 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 3.56, SLF is doing worse than 67.95% of the companies in the same industry.
- SLF has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
- SLF's Debt to Equity ratio of 0.29 is on the low side compared to the rest of the industry. SLF is outperformed by 64.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 10.87% over the past year.
- The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
- Looking at the last year, SLF shows a quite strong growth in Revenue. The Revenue has grown by 8.17% in the last year.
- The Revenue has been growing slightly by 0.65% on average over the past years.
EPS 1Y (TTM)10.87%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%13.92%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%10.65%
3.2 Future
- Based on estimates for the next years, SLF will show a small growth in Earnings Per Share. The EPS will grow by 7.21% on average per year.
- The Revenue is expected to grow by 29.23% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.69, the valuation of SLF can be described as correct.
- Based on the Price/Earnings ratio, SLF is valued a bit more expensive than 74.36% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.97. SLF is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 11.68 indicates a reasonable valuation of SLF.
- Based on the Price/Forward Earnings ratio, SLF is valued a bit more expensive than 66.67% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SLF to the average of the S&P500 Index (27.96), we can say SLF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
- 79.49% 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 | 25.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SLF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.12
PEG (5Y)2.4
EPS Next 2Y9.7%
EPS Next 3Y9.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.15%, SLF is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.53, SLF pays a bit more dividend than its industry peers.
- SLF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
5.2 History
- On average, the dividend of SLF grows each year by 8.81%, which is quite nice.
- 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)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.
- SLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
TSX:SLF (2/12/2026, 7:00:00 PM)
93.64
+5.57 (+6.32%)
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 Cap52.20B
Revenue(TTM)33.63B
Net Income(TTM)2.99B
Analysts73.68
Price Target95.57 (2.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
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)1.5%
PT rev (3m)2.1%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 11.68 | ||
| P/S | 1.5 | ||
| P/FCF | 25.2 | ||
| P/OCF | 23.62 | ||
| P/B | 2.03 | ||
| P/tB | 4.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.38
EY7.88%
EPS(NY)8.01
Fwd EY8.56%
FCF(TTM)3.72
FCFY3.97%
OCF(TTM)3.96
OCFY4.23%
SpS62.51
BVpS46.11
TBVpS19.37
PEG (NY)1.12
PEG (5Y)2.4
Graham Number87.5
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
WACC6.34%
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)10.87%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%13.92%
EPS Next Y11.37%
EPS Next 2Y9.7%
EPS Next 3Y9.53%
EPS Next 5Y7.21%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%10.65%
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 11.37% in the next year.