SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis
USA - NYSE:SLF - CA8667961053 - Common Stock
58.54 USD
-0.55 (-0.93%)
58.54 USD
0 (0%)
Overall SLF gets a fundamental rating of 4 out of 10. We evaluated SLF against 146 industry peers in the Insurance industry. While SLF is still in line with the averages on profitability rating, there are concerns on its financial health. SLF has a decent growth rate and is not valued too expensively.
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.
SLF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SLF has a worse Return On Assets (0.86%) than 63.01% of its industry peers.
SLF has a better Return On Equity (12.85%) than 60.27% 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
SLF has a Profit Margin of 9.34%. This is in the better half of the industry: SLF outperforms 63.70% 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 14.71%, SLF is in the better half of the industry, outperforming 67.12% of the companies in the same industry.
SLF's Operating Margin has declined in the last couple of years.
| 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.
Compared to 1 year ago, SLF has less shares outstanding
SLF has less shares outstanding than it did 5 years ago.
SLF has a better debt/assets ratio than last year.
2.2 Solvency
SLF has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
The Debt to FCF ratio of SLF (1.54) is comparable to the rest of the industry.
SLF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.25, SLF is doing good in the industry, outperforming 62.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.61%
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 8.02% over the past year.
The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
SLF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.17%.
The Revenue has been growing slightly by 0.65% on average over the past years.
EPS 1Y (TTM)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
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.
Based on estimates for the next years, SLF will show a very strong growth in Revenue. The Revenue will grow by 31.96% on average per year.
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 11.48.
SLF's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.06, SLF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.26, the valuation of SLF can be described as reasonable.
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 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.48 | ||
| Fwd PE | 10.26 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SLF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.26 | ||
| 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
SLF has a Yearly Dividend Yield of 3.25%.
SLF's Dividend Yield is a higher than the industry average which is at 3.38.
SLF's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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.
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
SLF pays out 62.09% of its income as dividend. 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 2Y9.94%
EPS Next 3Y9.7%
58.54
-0.55 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner Change-0.86%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap32.99B
Revenue(TTM)33.63B
Net Income(TTM)3.23B
Analysts74.74
Price Target67.18 (14.76%)
Short Float %0.52%
Short Ratio5.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
Yearly Dividend2.4
Dividend Growth(5Y)8.81%
DP62.09%
Div Incr Years6
Div Non Decr Years6
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)2.89%
PT rev (3m)-0.8%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-1.61%
EPS NY rev (1m)0.35%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.48 | ||
| Fwd PE | 10.26 | ||
| P/S | 1.35 | ||
| P/FCF | 11.26 | ||
| P/OCF | 10.9 | ||
| P/B | 1.85 | ||
| P/tB | 4.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.1
EY8.71%
EPS(NY)5.71
Fwd EY9.75%
FCF(TTM)5.2
FCFY8.88%
OCF(TTM)5.37
OCFY9.17%
SpS43.49
BVpS31.59
TBVpS13.62
PEG (NY)1.02
PEG (5Y)2.18
Graham Number60.21
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
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-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
WACC5.61%
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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y6.03%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y-3.54%
Revenue growth 5Y0.65%
Sales Q2Q%4.62%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
Revenue Next 5Y31.96%
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%
SUN LIFE FINANCIAL INC / SLF FAQ
What is the ChartMill fundamental rating of SUN LIFE FINANCIAL INC (SLF) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SLF.
What is the valuation status for SLF stock?
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 4 / 10.
What is the financial health of SUN LIFE FINANCIAL INC (SLF) stock?
The financial health rating of SUN LIFE FINANCIAL INC (SLF) is 3 / 10.
Is the dividend of SUN LIFE FINANCIAL INC sustainable?
The dividend rating of SUN LIFE FINANCIAL INC (SLF) is 5 / 10 and the dividend payout ratio is 62.09%.