SLF Fundamental Analysis - SUN LIFE FINANCIAL INC

Fundamental Rating

Overall SLF gets a fundamental rating of 4 out of 10. We evaluated SLF against 145 industry peers in the Insurance industry. There are concerns on the financial health of SLF while its profitability can be described as average. SLF has a decent growth rate and is not valued too expensively.

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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.

In the past 5 years SLF has always been profitable.

SLF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

SLF's Return On Assets of 0.86% is on the low side compared to the rest of the industry. SLF is outperformed by 62.76% of its industry peers.

With a decent Return On Equity value of 12.85%, SLF is doing good in the industry, outperforming 62.76% of the companies in the same industry.

		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 better Profit Margin (9.34%) than 66.21% of its industry peers.

In the last couple of years the Profit Margin of SLF has grown nicely.

SLF has a Operating Margin of 14.71%. This is in the better half of the industry: SLF outperforms 67.59% of its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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 1.54, which is an excellent value as it means it would take SLF, only 1.54 years of fcf income to pay off all of its debts.

SLF's Debt to FCF ratio of 1.54 is in line compared to the rest of the industry. SLF outperforms 57.93% of its industry peers.

SLF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

SLF's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. SLF outperforms 62.07% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.54
Altman-Z	N/A

ROIC/WACCN/A

WACC5.81%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SLF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.63%, which is quite good.

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 7.10% in the past 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)8.63%

EPS 3Y3.43%

EPS 5Y5.28%

EPS Q2Q%4.07%

Revenue 1Y (TTM)7.1%

Revenue growth 3Y-3.54%

Revenue growth 5Y0.65%

Sales Q2Q%1.96%

3.2 Future

The Earnings Per Share is expected to grow by 6.03% 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 31.77% yearly.

EPS Next Y10.83%

EPS Next 2Y9.27%

EPS Next 3Y8.83%

EPS Next 5Y6.03%

Revenue Next Year-7.14%

Revenue Next 2Y-2.16%

Revenue Next 3Y0%

Revenue Next 5Y31.77%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SLF is valuated correctly with a Price/Earnings ratio of 12.19.

SLF's Price/Earnings ratio is in line with the industry average.

SLF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.02.

Based on the Price/Forward Earnings ratio of 10.80, the valuation of SLF can be described as reasonable.

SLF's Price/Forward Earnings ratio is in line with the industry average.

SLF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.57.

		Industry Rank	Sector Rank
PE	12.19
Fwd PE	10.8

4.2 Price Multiples

SLF's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	11.71
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)1.13

PEG (5Y)2.31

EPS Next 2Y9.27%

EPS Next 3Y8.83%

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5. Dividend

5.1 Amount

SLF has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.

SLF's Dividend Yield is a higher than the industry average which is at 3.33.

Compared to an average S&P500 Dividend Yield of 2.44, SLF pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.36%

5.2 History

The dividend of SLF is nicely growing with an annual growth rate of 8.81%!

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

SLF pays out 62.09% 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.

DP62.09%

EPS Next 2Y9.27%

EPS Next 3Y8.83%

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SUN LIFE FINANCIAL INC

NYSE:SLF (10/10/2025, 7:00:36 PM)

After market: 61.58 0 (0%)

61.58

+0.75 (+1.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)11-05 2025-11-05/amc

Inst Owners55.83%

Inst Owner Change0%

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap34.71B

Analysts75.56

Price Target65.29 (6.02%)

Short Float %0.64%

Short Ratio4.98

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.36%

Yearly Dividend2.43

Dividend Growth(5Y)8.81%

DP62.09%

Div Incr Years6

Div Non Decr Years6

Ex-Date08-27 2025-08-27 (0.88)

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)0.51%

PT rev (3m)-3.01%

EPS NQ rev (1m)0.18%

EPS NQ rev (3m)-1.24%

EPS NY rev (1m)0.04%

EPS NY rev (3m)0.99%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-5.86%

Valuation

		Industry Rank	Sector Rank
PE	12.19
Fwd PE	10.8
P/S	1.4
P/FCF	11.71
P/OCF	11.34
P/B	1.93
P/tB	4.47
EV/EBITDA	N/A

EPS(TTM)5.05

EY8.2%

EPS(NY)5.7

Fwd EY9.26%

FCF(TTM)5.26

FCFY8.54%

OCF(TTM)5.43

OCFY8.82%

SpS43.98

BVpS31.95

TBVpS13.77

PEG (NY)1.13

PEG (5Y)2.31

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC5.81%

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)8.63%

EPS 3Y3.43%

EPS 5Y5.28%

EPS Q2Q%4.07%

EPS Next Y10.83%

EPS Next 2Y9.27%

EPS Next 3Y8.83%

EPS Next 5Y6.03%

Revenue 1Y (TTM)7.1%

Revenue growth 3Y-3.54%

Revenue growth 5Y0.65%

Sales Q2Q%1.96%

Revenue Next Year-7.14%

Revenue Next 2Y-2.16%

Revenue Next 3Y0%

Revenue Next 5Y31.77%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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