SUN LIFE FINANCIAL INC (SLF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SLF - CA8667961053 - Common Stock
82.13 CAD
-0.28 (-0.34%)
We assign a fundamental rating of 3 out of 10 to SLF. SLF was compared to 80 industry peers in the Insurance industry. SLF has a bad profitability rating. Also its financial health evaluation is rather negative. SLF is valied quite expensively at the moment, while it does show a decent growth rate. SLF also has an excellent dividend rating.
1. Profitability
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.
Of the past 5 years SLF 4 years had a positive operating cash flow.
1.2 Ratios
SLF's Return On Assets of 0.76% is fine compared to the rest of the industry. SLF outperforms 65.00% of its industry peers.
The Return On Equity of SLF (11.62%) is worse than 61.25% 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 65.00% of its industry peers.
SLF's Profit Margin has improved in the last couple of years.
SLF has a Operating Margin of 13.88%. This is amonst the worse of the industry: SLF underperforms 93.75% of its industry peers.
In the last couple of years the Operating Margin of SLF has declined.
| 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.
Compared to 5 years ago, SLF has less shares outstanding
SLF has a better debt/assets ratio than last year.
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.
SLF's Debt to FCF ratio of 3.56 is on the low side compared to the rest of the industry. SLF is outperformed by 65.00% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF is not too dependend on debt financing.
SLF has a Debt to Equity ratio of 0.29. This is in the lower half of the industry: SLF underperforms 61.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6%
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%.
Measured over the past 5 years, SLF shows a small growth in Earnings Per Share. The EPS has been growing by 5.28% on average per year.
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 6.03% yearly.
The Revenue is expected to grow by 31.96% on average over the next years. This is a very strong growth
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
SLF is valuated reasonably with a Price/Earnings ratio of 11.49.
86.25% 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 (26.15), we can say SLF is valued rather cheaply.
SLF is valuated reasonably with a Price/Forward Earnings ratio of 10.20.
60.00% of the companies in the same industry are cheaper than SLF, based on the Price/Forward Earnings ratio.
SLF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
SLF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SLF is more expensive than 91.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.35 | ||
| 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)1.02
PEG (5Y)2.18
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.45%, SLF is a good candidate for dividend investing.
SLF's Dividend Yield is comparable with the industry average which is at 4.36.
SLF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
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 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.
SLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
TSX:SLF (11/27/2025, 7:00:00 PM)
82.13
-0.28 (-0.34%)
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 Cap46.29B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target94 (14.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend3.39
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years10
Div Non Decr Years24
Ex-Date
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)3.35%
PT rev (3m)4.29%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)-0.55%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 10.2 | ||
| P/S | 1.33 | ||
| P/FCF | 22.35 | ||
| P/OCF | 20.95 | ||
| P/B | 1.8 | ||
| P/tB | 4.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.15
EY8.71%
EPS(NY)8.05
Fwd EY9.8%
FCF(TTM)3.67
FCFY4.47%
OCF(TTM)3.92
OCFY4.77%
SpS61.82
BVpS45.6
TBVpS19.16
PEG (NY)1.02
PEG (5Y)2.18
Graham Number85.65
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%
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 Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)5.51%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%2.8%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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 ChartMill fundamental rating of SUN LIFE FINANCIAL INC (SLF.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to SLF.CA.
What is the valuation status for SLF stock?
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.
What is the financial health of SUN LIFE FINANCIAL INC (SLF.CA) stock?
The financial health rating of SUN LIFE FINANCIAL INC (SLF.CA) is 2 / 10.
Is the dividend of SUN LIFE FINANCIAL INC sustainable?
The dividend rating of SUN LIFE FINANCIAL INC (SLF.CA) is 7 / 10 and the dividend payout ratio is 67.93%.