SUN LIFE FINANCIAL INC (SLF) Fundamental Analysis & Valuation

NYSE:SLF • CA8667961053

Current stock price

63.5 USD
-0.12 (-0.19%)
At close:
63.5 USD
0 (0%)
After Hours:

This SLF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SLF Profitability Analysis

1.1 Basic Checks

  • In the past year SLF was profitable.
  • In the past year SLF had a positive cash flow from operations.
  • Each year in the past 5 years SLF has been profitable.
  • SLF had a positive operating cash flow in 4 of the past 5 years.
SLF Yearly Net Income VS EBIT VS OCF VS FCFSLF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.87%, SLF is doing worse than 62.84% of the companies in the same industry.
  • SLF's Return On Equity of 13.76% is fine compared to the rest of the industry. SLF outperforms 66.22% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
ROIC(3y)N/A
ROIC(5y)N/A
SLF Yearly ROA, ROE, ROICSLF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • SLF's Profit Margin of 9.90% is fine compared to the rest of the industry. SLF outperforms 60.14% of its industry peers.
  • In the last couple of years the Profit Margin of SLF has grown nicely.
  • SLF has a better Operating Margin (15.17%) than 63.51% of its industry peers.
  • SLF's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 15.17%
PM (TTM) 9.9%
GM N/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
SLF Yearly Profit, Operating, Gross MarginsSLF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40

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3

2. SLF Health Analysis

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
  • Compared to 5 years ago, SLF has less shares outstanding
  • SLF has a worse debt/assets ratio than last year.
SLF Yearly Shares OutstandingSLF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
SLF Yearly Total Debt VS Total AssetsSLF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • SLF has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as SLF would need 3.15 years to pay back of all of its debts.
  • SLF's Debt to FCF ratio of 3.15 is in line compared to the rest of the industry. SLF outperforms 43.24% of its industry peers.
  • A Debt/Equity ratio of 0.33 indicates that SLF is not too dependend on debt financing.
  • SLF has a Debt to Equity ratio (0.33) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC5.49%
SLF Yearly LT Debt VS Equity VS FCFSLF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF Yearly Current Assets VS Current LiabilitesSLF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SLF Growth Analysis

3.1 Past

  • SLF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.56%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.28% on average over the past years.
  • The Revenue has been growing slightly by 4.34% in the past year.
  • Measured over the past years, SLF shows a decrease in Revenue. The Revenue has been decreasing by -0.77% on average per year.
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.32% on average over the next years.
  • SLF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.91% yearly.
EPS Next Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
SLF Yearly Revenue VS EstimatesSLF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
SLF Yearly EPS VS EstimatesSLF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

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4

4. SLF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.89 indicates a reasonable valuation of SLF.
  • SLF's Price/Earnings ratio is in line with the industry average.
  • SLF is valuated cheaply when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.93 indicates a reasonable valuation of SLF.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SLF.
  • SLF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.89
Fwd PE 10.93
SLF Price Earnings VS Forward Price EarningsSLF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLF indicates a slightly more expensive valuation: SLF is more expensive than 66.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.44
EV/EBITDA N/A
SLF Per share dataSLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)1.36
PEG (5Y)1.89
EPS Next 2Y8.68%
EPS Next 3Y8.36%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SLF Dividend Analysis

5.1 Amount

  • SLF has a Yearly Dividend Yield of 4.32%, which is a nice return.
  • SLF's Dividend Yield is rather good when compared to the industry average which is at 2.55. 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 1.89.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

  • On average, the dividend of SLF grows each year by 9.56%, which is quite nice.
  • SLF has paid a dividend for at least 10 years, which is 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)9.56%
Div Incr Years7
Div Non Decr Years7
SLF Yearly Dividends per shareSLF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • SLF pays out 59.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • SLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.45%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
SLF Yearly Income VS Free CF VS DividendSLF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B
SLF Dividend Payout.SLF Dividend Payout, showing the Payout Ratio.SLF Dividend Payout.PayoutRetained Earnings

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SLF Fundamentals: All Metrics, Ratios and Statistics

SUN LIFE FINANCIAL INC

NYSE:SLF (4/6/2026, 8:08:46 PM)

After market: 63.5 0 (0%)

63.5

-0.12 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.8%
Inst Owner Change0%
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap35.18B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target72.31 (13.87%)
Short Float %0.4%
Short Ratio3.02
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
Yearly Dividend2.63
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years7
Div Non Decr Years7
Ex-Date02-25
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.1%
Min EPS beat(2)0.48%
Max EPS beat(2)3.72%
EPS beat(4)3
Avg EPS beat(4)2.39%
Min EPS beat(4)-0.3%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.44%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)12
Avg EPS beat(16)2.24%
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%
PT rev (3m)5.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 10.93
P/S 1.39
P/FCF 18.44
P/OCF 17.48
P/B 1.94
P/tB 4.64
EV/EBITDA N/A
EPS(TTM)5.34
EY8.41%
EPS(NY)5.81
Fwd EY9.15%
FCF(TTM)3.44
FCFY5.42%
OCF(TTM)3.63
OCFY5.72%
SpS45.54
BVpS32.74
TBVpS13.68
PEG (NY)1.36
PEG (5Y)1.89
Graham Number62.72
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 13.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 15.17%
PM (TTM) 9.9%
GM N/A
FCFM 7.56%
ROA(3y)0.87%
ROA(5y)0.94%
ROE(3y)12.77%
ROE(5y)13.15%
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)1.39%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-34.63%
OM growth 5YN/A
PM growth 3Y9.93%
PM growth 5Y8.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.41%
Interest Coverage 15
Cash Conversion N/A
Profit Quality 76.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.49%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)N/A
Profit Quality(3y)110.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.56%
EPS 3Y5.82%
EPS 5Y6.28%
EPS Q2Q%16.67%
EPS Next Y8.73%
EPS Next 2Y8.68%
EPS Next 3Y8.36%
EPS Next 5Y6.32%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.91%
EBIT growth 1Y6.42%
EBIT growth 3Y-37.98%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.09%
FCF growth 3Y-14.93%
FCF growth 5Y-17.85%
OCF growth 1Y10.55%
OCF growth 3Y-13.41%
OCF growth 5Y-17.34%

SUN LIFE FINANCIAL INC / SLF Fundamental Analysis 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.


Can you provide the profitability details for SUN LIFE FINANCIAL INC?

SUN LIFE FINANCIAL INC (SLF) has a profitability rating of 4 / 10.


What is the earnings growth outlook for SUN LIFE FINANCIAL INC?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC (SLF) is expected to grow by 8.73% in the next year.


How sustainable is the dividend of SUN LIFE FINANCIAL INC (SLF) stock?

The dividend rating of SUN LIFE FINANCIAL INC (SLF) is 8 / 10 and the dividend payout ratio is 59.45%.