SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SLF - CA8667961053 - Common Stock
58.52 USD
+0.79 (+1.37%)
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 decent growth rate and is not valued too expensively. 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
SLF's Return On Assets of 0.76% is on the low side compared to the rest of the industry. SLF is outperformed by 66.22% 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
Looking at the Profit Margin, with a value of 8.57%, SLF is in line with its industry, outperforming 52.70% of the companies in the same industry.
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 60.14% 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.
SLF has less shares outstanding than it did 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.
SLF's Debt to FCF ratio of 3.56 is in line compared to the rest of the industry. SLF outperforms 44.59% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that SLF is not too dependend on debt financing.
SLF has a Debt to Equity ratio (0.29) which 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
WACC5.51%
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.
SLF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.28% yearly.
The Revenue has been growing slightly by 5.51% in the past 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.
Based on estimates for the next years, SLF will show a very strong growth in Revenue. The Revenue will grow by 29.47% on average per year.
EPS Next Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
EPS Next 5Y7.41%
Revenue Next Year-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
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.
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 11.43.
SLF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of SLF to the average of the S&P500 Index (26.41), we can say SLF is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.16, the valuation of SLF can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as SLF.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, SLF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | 10.16 |
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 64.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.01 | ||
| 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)1.02
PEG (5Y)2.17
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.48%, SLF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.32, SLF pays a better dividend. On top of this SLF pays more dividend than 83.11% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, SLF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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
67.93% of the earnings are spent on dividend by SLF. 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%
NYSE:SLF (12/5/2025, 3:00:49 PM)
58.52
+0.79 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.83%
Inst Owner Change-3.65%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap32.62B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target66.97 (14.44%)
Short Float %0.79%
Short Ratio9.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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)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)2.56%
PT rev (3m)3.09%
EPS NQ rev (1m)-1.33%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | 10.16 | ||
| P/S | 1.31 | ||
| P/FCF | 22.01 | ||
| P/OCF | 20.62 | ||
| P/B | 1.77 | ||
| P/tB | 4.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.12
EY8.75%
EPS(NY)5.76
Fwd EY9.84%
FCF(TTM)2.66
FCFY4.54%
OCF(TTM)2.84
OCFY4.85%
SpS44.74
BVpS33
TBVpS13.87
PEG (NY)1.02
PEG (5Y)2.17
Graham Number61.66
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
WACC5.51%
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 Y11.21%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
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-4.23%
Revenue Next 2Y-0.15%
Revenue Next 3Y1.04%
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 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%.