SUN LIFE FINANCIAL INC (SLF.CA) Stock Fundamental Analysis
Canada - TSX:SLF - CA8667961053 - Common Stock
84.9 CAD
-0.82 (-0.96%)
SLF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. SLF has an average financial health and profitability rating. SLF is valied quite expensively at the moment, while it does show a decent growth rate. 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 (0.86%) than 66.25% of its industry peers.
SLF has a Return On Equity of 12.85%. This is amongst the best in the industry. SLF outperforms 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| 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
With a Profit Margin value of 9.34%, SLF perfoms like the industry average, outperforming 48.75% of the companies in the same industry.
SLF's Profit Margin has improved in the last couple of years.
SLF has a Operating Margin of 14.71%. This is amonst the worse of the industry: SLF underperforms 92.50% of its industry peers.
In the last couple of years the Operating Margin of SLF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| 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.
The number of shares outstanding for SLF has been reduced compared to 5 years ago.
SLF has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLF is 1.54, which is an excellent value as it means it would take SLF, only 1.54 years of fcf income to pay off all of its debts.
SLF has a better Debt to FCF ratio (1.54) than 71.25% of its industry peers.
SLF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
SLF has a better Debt to Equity ratio (0.25) than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.63%, which is quite good.
SLF 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 7.10% in the past year.
Measured over the past years, SLF shows a small growth in Revenue. The Revenue has been growing by 0.65% on average per year.
EPS 1Y (TTM)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
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 6.03% on average per year.
SLF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.77% yearly.
EPS Next Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.77%
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 stable.
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 12.04 indicates a correct valuation of SLF.
87.50% of the companies in the same industry are cheaper than SLF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SLF to the average of the S&P500 Index (27.40), we can say SLF is valued rather cheaply.
The Price/Forward Earnings ratio is 10.68, which indicates a very decent valuation of SLF.
Based on the Price/Forward Earnings ratio, SLF is valued a bit more expensive than the industry average as 65.00% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, SLF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 10.68 |
4.2 Price Multiples
SLF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SLF is more expensive than 85.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.57 | ||
| 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)1.11
PEG (5Y)2.28
EPS Next 2Y9.27%
EPS Next 3Y8.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.11%, SLF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.88, SLF pays a better dividend. On top of this SLF pays more dividend than 92.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, SLF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
5.2 History
The dividend of SLF is nicely growing with an annual growth rate of 8.81%!
SLF has been paying a dividend for at least 10 years, so it has 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
62.09% of the earnings are spent on dividend by SLF. 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.
DP62.09%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
TSX:SLF (10/17/2025, 7:00:00 PM)
84.9
-0.82 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap47.85B
Analysts75.56
Price Target90.95 (7.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years10
Div Non Decr Years24
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.67%
Min EPS beat(2)-0.3%
Max EPS beat(2)5.64%
EPS beat(4)2
Avg EPS beat(4)0.35%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.65%
EPS beat(12)8
Avg EPS beat(12)1.91%
EPS beat(16)11
Avg EPS beat(16)2%
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)0.91%
PT rev (3m)-1.42%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)-1.24%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 10.68 | ||
| P/S | 1.38 | ||
| P/FCF | 11.57 | ||
| P/OCF | 11.21 | ||
| P/B | 1.9 | ||
| P/tB | 4.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.05
EY8.3%
EPS(NY)7.95
Fwd EY9.37%
FCF(TTM)7.33
FCFY8.64%
OCF(TTM)7.58
OCFY8.92%
SpS61.36
BVpS44.58
TBVpS19.21
PEG (NY)1.11
PEG (5Y)2.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 12.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.71% | ||
| PM (TTM) | 9.34% | ||
| GM | N/A | ||
| FCFM | 11.95% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 13.42 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.26%
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)8.63%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%4.07%
EPS Next Y10.83%
EPS Next 2Y9.27%
EPS Next 3Y8.83%
EPS Next 5Y6.03%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%1.96%
Revenue Next Year-7.14%
Revenue Next 2Y-2.16%
Revenue Next 3Y0%
Revenue Next 5Y31.77%
EBIT growth 1Y9.45%
EBIT growth 3Y-11.46%
EBIT growth 5YN/A
EBIT Next Year-2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.89%
FCF growth 3YN/A
FCF growth 5Y0.24%
OCF growth 1Y37.39%
OCF growth 3YN/A
OCF growth 5Y0.46%