SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SLF - CA8667961053 - Common Stock
59.12 USD
+0.46 (+0.78%)
Overall SLF gets a fundamental rating of 4 out of 10. We evaluated SLF against 148 industry peers in the Insurance industry. Both the profitability and financial health of SLF have multiple concerns. SLF has a decent growth rate and is not valued too expensively. Finally SLF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SLF was profitable.
In the past year SLF had a positive cash flow from operations.
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
With a Return On Assets value of 0.76%, SLF is not doing good in the industry: 64.63% of the companies in the same industry are doing better.
SLF has a Return On Equity of 11.62%. This is comparable to the rest of the industry: SLF outperforms 53.06% of its industry peers.
| 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 comparable to the rest of the industry.
In the last couple of years the Profit Margin of SLF has grown nicely.
SLF has a better Operating Margin (13.88%) than 60.54% 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.
Compared to 1 year ago, SLF has an improved debt to assets ratio.
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 has a Debt to FCF ratio (3.56) which is comparable to the rest of the industry.
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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.56%
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.
The Earnings Per Share has been growing slightly by 5.28% on average over the past years.
SLF shows a small growth in Revenue. In the last year, the Revenue has grown by 5.51%.
SLF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.65% yearly.
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 6.03% yearly.
The Revenue is expected to grow by 31.96% on average over the next years. This is a very strong growth
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
The EPS growth rate is stable: in the next years the growth will be about the same 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
The Price/Earnings ratio is 11.61, which indicates a very decent valuation of SLF.
SLF's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.31. SLF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.32, the valuation of SLF can be described as very reasonable.
SLF's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, SLF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 10.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLF is valued a bit more expensive than the industry average as 64.63% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.6 | ||
| 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)1.04
PEG (5Y)2.2
EPS Next 2Y9.94%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
SLF has a Yearly Dividend Yield of 4.48%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, SLF pays a better dividend. On top of this SLF pays more dividend than 81.63% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, SLF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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.
SLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.93%
EPS Next 2Y9.94%
EPS Next 3Y9.7%
NYSE:SLF (11/28/2025, 8:01:00 PM)
59.12
+0.46 (+0.78%)
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 Cap32.95B
Revenue(TTM)34.84B
Net Income(TTM)2.99B
Analysts74.74
Price Target66.97 (13.28%)
Short Float %0.45%
Short Ratio5.83
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)-0.82%
EPS NQ rev (3m)-0.55%
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 | 11.61 | ||
| Fwd PE | 10.32 | ||
| P/S | 1.34 | ||
| P/FCF | 22.6 | ||
| P/OCF | 21.18 | ||
| P/B | 1.82 | ||
| P/tB | 4.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.09
EY8.61%
EPS(NY)5.73
Fwd EY9.69%
FCF(TTM)2.62
FCFY4.43%
OCF(TTM)2.79
OCFY4.72%
SpS44.02
BVpS32.47
TBVpS13.64
PEG (NY)1.04
PEG (5Y)2.2
Graham Number60.98
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
WACC5.56%
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 5Y6.03%
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 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%.