SUN LIFE FINANCIAL INC (SLF) Fundamental Analysis & Valuation

NYSE:SLF • CA8667961053

Current stock price

63.62 USD
+0.67 (+1.06%)
At close:
63.62 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.
  • In the past 5 years SLF has always been profitable.
  • Of the past 5 years SLF 4 years had a positive operating cash flow.
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

  • SLF has a worse Return On Assets (0.87%) than 63.27% of its industry peers.
  • SLF has a better Return On Equity (13.76%) than 65.99% 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 has a Profit Margin of 9.90%. This is comparable to the rest of the industry: SLF outperforms 59.86% of its industry peers.
  • In the last couple of years the Profit Margin of SLF has grown nicely.
  • The Operating Margin of SLF (15.17%) is better than 61.90% 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.
  • 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.
  • Compared to 1 year ago, SLF has a worse debt to assets ratio.
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

  • The Debt to FCF ratio of SLF is 3.15, which is a good value as it means it would take SLF, 3.15 years of fcf income to pay off all of its debts.
  • SLF has a Debt to FCF ratio (3.15) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.33 indicates that SLF is not too dependend on debt financing.
  • SLF's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. SLF outperforms 49.66% of its industry peers.
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

  • The Earnings Per Share has grown by an nice 11.56% over the past year.
  • The Earnings Per Share has been growing slightly by 6.28% on average over the past years.
  • Looking at the last year, SLF shows a small growth in Revenue. The Revenue has grown by 4.34% in the last year.
  • SLF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.77% yearly.
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

  • SLF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.32% yearly.
  • Based on estimates for the next years, SLF will show a very strong growth in Revenue. The Revenue will grow by 39.91% on average per year.
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

  • 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.
  • 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

  • Based on the Price/Earnings ratio of 11.91, the valuation of SLF can be described as reasonable.
  • SLF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.60. SLF is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.95, the valuation of SLF can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SLF.
  • SLF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 11.91
Fwd PE 10.95
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 67.35% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.47
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

  • SLF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.37
PEG (5Y)1.9
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

  • With a Yearly Dividend Yield of 4.25%, SLF is a good candidate for dividend investing.
  • SLF's Dividend Yield is rather good when compared to the industry average which is at 2.50. SLF pays more dividend than 81.63% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, SLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.25%

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 Years6
Div Non Decr Years6
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 (4/2/2026, 8:04:00 PM)

After market: 63.62 0 (0%)

63.62

+0.67 (+1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.8%
Inst Owner Change-2.15%
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap35.25B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target72.31 (13.66%)
Short Float %0.4%
Short Ratio3.02
Dividend
Industry RankSector Rank
Dividend Yield 4.25%
Yearly Dividend2.64
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years6
Div Non Decr Years6
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)0.79%
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 11.91
Fwd PE 10.95
P/S 1.4
P/FCF 18.47
P/OCF 17.51
P/B 1.94
P/tB 4.65
EV/EBITDA N/A
EPS(TTM)5.34
EY8.39%
EPS(NY)5.81
Fwd EY9.13%
FCF(TTM)3.44
FCFY5.41%
OCF(TTM)3.63
OCFY5.71%
SpS45.54
BVpS32.74
TBVpS13.68
PEG (NY)1.37
PEG (5Y)1.9
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%.