SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis

NYSE:SLF • CA8667961053

65.56 USD
-0.77 (-1.16%)
Last: Feb 23, 2026, 09:54 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

SLF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. While SLF is still in line with the averages on profitability rating, there are concerns on its financial health. SLF is valied quite expensively at the moment, while it does show a decent growth rate. SLF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years SLF has been profitable.
  • SLF had a positive operating cash flow in 4 of the past 5 years.
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

  • With a Return On Assets value of 0.87%, SLF is not doing good in the industry: 61.33% of the companies in the same industry are doing better.
  • SLF has a better Return On Equity (13.76%) than 66.67% 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 better Profit Margin (9.90%) than 62.00% of its industry peers.
  • SLF's Profit Margin has improved in the last couple of years.
  • SLF has a better Operating Margin (15.17%) than 62.67% 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. 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
  • The number of shares outstanding for SLF has been reduced compared to 5 years ago.
  • SLF has a worse debt/assets ratio than last year.
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

  • SLF has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as SLF would need 3.15 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.15, SLF is in line with its industry, outperforming 48.00% of the companies in the same industry.
  • SLF has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • SLF's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. SLF outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC5.64%
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. Growth

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.
  • SLF shows a small growth in Revenue. In the last year, the Revenue has grown by 4.34%.
  • The Revenue has been decreasing by -0.77% on average over the past years.
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

  • Based on estimates for the next years, SLF will show a small growth in Earnings Per Share. The EPS will grow by 5.75% on average per year.
  • The Revenue is expected to grow by 39.16% on average over the next years. This is a very strong growth
EPS Next Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
Revenue Next Year5.56%
Revenue Next 2Y5.43%
Revenue Next 3Y54.11%
Revenue Next 5Y39.16%

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.
  • 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.07 indicates a correct valuation of SLF.
  • Compared to the rest of the industry, the Price/Earnings ratio of SLF is on the same level as its industry peers.
  • SLF is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.20, the valuation of SLF can be described as 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 28.02, SLF is valued rather cheaply.
Industry RankSector Rank
PE 12.07
Fwd PE 11.2
SLF Price Earnings VS Forward Price EarningsSLF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SLF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLF is more expensive than 64.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.85
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.53
PEG (5Y)1.92
EPS Next 2Y8.53%
EPS Next 3Y6.16%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.11%, SLF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.58, SLF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, SLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.11%

5.2 History

  • On average, the dividend of SLF grows each year by 9.56%, which is quite nice.
  • SLF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SLF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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

  • 59.45% of the earnings are spent on dividend by SLF. 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 2Y8.53%
EPS Next 3Y6.16%
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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SUN LIFE FINANCIAL INC

NYSE:SLF (2/23/2026, 9:54:05 AM)

65.56

-0.77 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners56.05%
Inst Owner Change-1.49%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap36.54B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target69.87 (6.57%)
Short Float %0.34%
Short Ratio3.87
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend2.67
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)2.43%
PT rev (3m)4.34%
EPS NQ rev (1m)0.59%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 12.07
Fwd PE 11.2
P/S 1.43
P/FCF 18.85
P/OCF 17.88
P/B 1.98
P/tB 4.75
EV/EBITDA N/A
EPS(TTM)5.43
EY8.28%
EPS(NY)5.85
Fwd EY8.93%
FCF(TTM)3.48
FCFY5.3%
OCF(TTM)3.67
OCFY5.59%
SpS45.97
BVpS33.05
TBVpS13.81
PEG (NY)1.53
PEG (5Y)1.92
Graham Number63.55
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
WACC5.64%
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 Y7.87%
EPS Next 2Y8.53%
EPS Next 3Y6.16%
EPS Next 5Y5.75%
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 5Y39.16%
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 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 3 / 10 to SUN LIFE FINANCIAL INC (SLF). This can be considered as Overvalued.


How profitable is SUN LIFE FINANCIAL INC (SLF) stock?

SUN LIFE FINANCIAL INC (SLF) has a profitability rating of 4 / 10.


Can you provide the financial health for SLF stock?

The financial health rating of SUN LIFE FINANCIAL INC (SLF) is 3 / 10.


What is the expected EPS growth for SUN LIFE FINANCIAL INC (SLF) stock?

The Earnings per Share (EPS) of SUN LIFE FINANCIAL INC (SLF) is expected to grow by 7.87% in the next year.