SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SLF - CA8667961053 - Common Stock
62.76 USD
-0.9 (-1.41%)
62.76 USD
0 (0%)
Taking everything into account, SLF scores 4 out of 10 in our fundamental rating. SLF was compared to 148 industry peers in the Insurance industry. SLF may be in some trouble as it scores bad on both profitability and health. SLF has a correct valuation and a medium growth rate. Finally SLF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SLF was profitable.
SLF had a positive operating cash flow in the past year.
Each year in the past 5 years SLF has been profitable.
Of the past 5 years SLF 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, SLF is doing worse than 64.86% of the companies in the same industry.
SLF has a Return On Equity (11.62%) which is comparable to the rest of the industry.
| 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 (8.57%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SLF has grown nicely.
SLF has a Operating Margin of 13.88%. This is comparable to the rest of the industry: SLF outperforms 58.78% 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.
Compared to 1 year ago, SLF has less shares outstanding
The number of shares outstanding for SLF has been reduced compared to 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.
The Debt to FCF ratio of SLF (3.56) is comparable to the rest of the industry.
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 in line with its industry, outperforming 58.11% 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
WACC5.66%
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 been growing slightly by 7.36% 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 small growth in Revenue. The Revenue has grown by 5.51% in the last 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 7.41% yearly.
SLF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.47% yearly.
EPS Next Y11.3%
EPS Next 2Y9.69%
EPS Next 3Y9.49%
EPS Next 5Y7.41%
Revenue Next Year-5.34%
Revenue Next 2Y-0.04%
Revenue Next 3Y1.71%
Revenue Next 5Y29.47%
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 12.02, the valuation of SLF can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as SLF.
The average S&P500 Price/Earnings ratio is at 27.17. SLF is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.72 indicates a reasonable valuation of SLF.
SLF's Price/Forward Earnings is on the same level as the industry average.
SLF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.02 | ||
| Fwd PE | 10.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLF is valued a bit more expensive than the industry average as 66.22% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.13 | ||
| 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)1.06
PEG (5Y)2.28
EPS Next 2Y9.69%
EPS Next 3Y9.49%
5. Dividend
5.1 Amount
SLF has a Yearly Dividend Yield of 4.30%, which is a nice return.
SLF's Dividend Yield is rather good when compared to the industry average which is at 2.48. SLF pays more dividend than 81.08% of the companies in the same industry.
SLF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
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.
As SLF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.81%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
67.93% of the earnings are spent on dividend by SLF. 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 2Y9.69%
EPS Next 3Y9.49%
62.76
-0.9 (-1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.05%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap34.98B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts73.68
Price Target68.28 (8.8%)
Short Float %0.38%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
Yearly Dividend2.47
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years6
Div Non Decr Years6
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)1.96%
PT rev (3m)4.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.64%
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 | 12.02 | ||
| Fwd PE | 10.72 | ||
| P/S | 1.37 | ||
| P/FCF | 23.13 | ||
| P/OCF | 21.67 | ||
| P/B | 1.86 | ||
| P/tB | 4.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.22
EY8.32%
EPS(NY)5.85
Fwd EY9.33%
FCF(TTM)2.71
FCFY4.32%
OCF(TTM)2.9
OCFY4.61%
SpS45.65
BVpS33.67
TBVpS14.15
PEG (NY)1.06
PEG (5Y)2.28
Graham Number62.89
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
WACC5.66%
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 5Y7.41%
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 5Y29.47%
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 FAQ
What is the fundamental rating for SLF stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF.
Can you provide the valuation status for SUN LIFE FINANCIAL INC?
ChartMill assigns a valuation rating of 4 / 10 to SUN LIFE FINANCIAL INC (SLF). This can be considered as Fairly Valued.
How profitable is SUN LIFE FINANCIAL INC (SLF) stock?
SUN LIFE FINANCIAL INC (SLF) 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) is 3 / 10.
What is the expected EPS growth for SUN LIFE FINANCIAL INC (SLF) stock?
The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC (SLF) is expected to grow by 11.3% in the next year.