SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis
USA - NYSE:SLF - CA8667961053 - Common Stock
59.04 USD
-0.17 (-0.29%)
59.04 USD
0 (0%)
Taking everything into account, SLF scores 4 out of 10 in our fundamental rating. SLF was compared to 147 industry peers in the Insurance industry. SLF has a bad profitability rating. Also its financial health evaluation is rather negative. SLF is not valued too expensively and it also shows 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.
In the past year SLF had a positive cash flow from operations.
In the past 5 years SLF has always been profitable.
Of the past 5 years SLF 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SLF (0.76%) is worse than 63.27% of its industry peers.
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 in line with its industry peers.
In the last couple of years the Profit Margin of SLF has grown nicely.
SLF's Operating Margin of 13.88% is fine compared to the rest of the industry. SLF outperforms 61.22% of its industry peers.
SLF's Operating Margin has declined in the last couple of years.
| 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.
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
SLF has a debt to FCF ratio of 3.56. This is a good value and a sign of high solvency as SLF would need 3.56 years to pay back of all of its debts.
SLF has a Debt to FCF ratio of 3.56. This is comparable to the rest of the industry: SLF outperforms 46.26% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF is not too dependend on debt financing.
The Debt to Equity ratio of SLF (0.29) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.62%
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.
SLF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
Looking at the last year, SLF shows a small growth in Revenue. The Revenue has grown by 5.51% in the last 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)8.02%
EPS 3Y3.43%
EPS 5Y5.28%
EPS Q2Q%8.19%
Revenue 1Y (TTM)5.51%
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
Based on the Price/Earnings ratio of 11.51, the valuation of SLF can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SLF is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.56. SLF is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.28 indicates a reasonable valuation of SLF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLF is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 34.62. SLF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 10.28 |
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 63.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.53 | ||
| 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)1.03
PEG (5Y)2.18
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
SLF has a Yearly Dividend Yield of 4.45%, which is a nice return.
Compared to an average industry Dividend Yield of 3.51, SLF pays a better dividend. On top of this SLF pays more dividend than 81.63% of the companies listed in the same industry.
SLF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
The dividend of SLF is nicely growing with an annual growth rate of 8.81%!
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 67.93% 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.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
59.04
-0.17 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner Change-3.67%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap33.28B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target66.73 (13.03%)
Short Float %0.52%
Short Ratio5.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend2.42
Dividend Growth(5Y)8.81%
DP67.93%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.38%
Min EPS beat(2)-0.3%
Max EPS beat(2)3.05%
EPS beat(4)2
Avg EPS beat(4)0.43%
Min EPS beat(4)-6.68%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)0.99%
EPS beat(12)8
Avg EPS beat(12)1.41%
EPS beat(16)11
Avg EPS beat(16)2.15%
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)2.2%
PT rev (3m)-1.46%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)0.75%
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 | 11.51 | ||
| Fwd PE | 10.28 | ||
| P/S | 1.34 | ||
| P/FCF | 22.53 | ||
| P/OCF | 21.11 | ||
| P/B | 1.82 | ||
| P/tB | 4.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.13
EY8.69%
EPS(NY)5.74
Fwd EY9.72%
FCF(TTM)2.62
FCFY4.44%
OCF(TTM)2.8
OCFY4.74%
SpS44.09
BVpS32.52
TBVpS13.67
PEG (NY)1.03
PEG (5Y)2.18
Graham Number61.27
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
WACC5.62%
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)5.51%
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 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 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 3 / 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 7 / 10 and the dividend payout ratio is 67.93%.