SUN LIFE FINANCIAL INC (SLF) Fundamental Analysis & Valuation

NYSE:SLF • CA8667961053

Current stock price

72.32 USD
+0.24 (+0.33%)
At close:
72.32 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

  • SLF had positive earnings in the past year.
  • In the past year SLF had a positive cash flow from operations.
  • SLF had positive earnings in each of the past 5 years.
  • 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

  • Looking at the Return On Assets, with a value of 0.87%, SLF is doing worse than 63.95% of the companies in the same industry.
  • With a decent Return On Equity value of 13.76%, SLF is doing good in the industry, outperforming 64.63% of the companies in the same industry.
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

  • The Profit Margin of SLF (9.90%) is comparable to the rest of the industry.
  • SLF's Profit Margin has improved in the last couple of years.
  • SLF's Operating Margin of 15.17% is fine compared to the rest of the industry. SLF outperforms 63.27% of its industry peers.
  • In the last couple of years the Operating Margin of SLF has declined.
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.
  • Compared to 5 years ago, SLF has less shares outstanding
  • 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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 3.15, SLF is in line with its industry, outperforming 42.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.33 indicates that SLF is not too dependend on debt financing.
  • SLF has a Debt to Equity ratio of 0.33. This is comparable to the rest of the industry: SLF outperforms 50.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC5.78%
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.
  • Measured over the past 5 years, SLF shows a small growth in Earnings Per Share. The EPS has been growing by 6.28% on average per year.
  • The Revenue has been growing slightly by 4.34% in the past year.
  • 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 5.63% on average per year.
  • The Revenue is expected to grow by 32.58% on average over the next years. This is a very strong growth
EPS Next Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y5.63%
Revenue Next Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
Revenue Next 5Y32.58%

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.
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 2030 10B 20B 30B 40B 50B
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 2030 2 4 6 8

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2

4. SLF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.29, the valuation of SLF can be described as correct.
  • SLF's Price/Earnings ratio is a bit more expensive when compared to the industry. SLF is more expensive than 64.63% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, SLF is valued rather cheaply.
  • A Price/Forward Earnings ratio of 12.25 indicates a correct valuation of SLF.
  • 60.54% of the companies in the same industry are cheaper than SLF, based on the Price/Forward Earnings ratio.
  • SLF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.29
Fwd PE 12.25
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

  • SLF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLF is more expensive than 68.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.63
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)1.54
PEG (5Y)2.12
EPS Next 2Y8.65%
EPS Next 3Y8.39%

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

6

5. SLF Dividend Analysis

5.1 Amount

  • SLF has a Yearly Dividend Yield of 3.76%.
  • Compared to an average industry Dividend Yield of 2.38, SLF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, SLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.76%

5.2 History

  • The dividend of SLF is nicely growing with an annual growth rate of 9.56%!
  • 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 Years7
Div Non Decr Years7
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 2Y8.65%
EPS Next 3Y8.39%
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 (5/1/2026, 8:04:00 PM)

After market: 72.32 0 (0%)

72.32

+0.24 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength39.37
Industry Growth44.03
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.3%
Inst Owner Change0.48%
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap40.07B
Revenue(TTM)35.09B
Net Income(TTM)3.47B
Analysts73.68
Price Target73.37 (1.45%)
Short Float %0.54%
Short Ratio3.99
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
Yearly Dividend2.68
Dividend Growth(5Y)9.56%
DP59.45%
Div Incr Years7
Div Non Decr Years7
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)1.46%
PT rev (3m)7.56%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.36%
Revenue NY rev (3m)5.36%
Valuation
Industry RankSector Rank
PE 13.29
Fwd PE 12.25
P/S 1.56
P/FCF 20.63
P/OCF 19.56
P/B 2.17
P/tB 5.19
EV/EBITDA N/A
EPS(TTM)5.44
EY7.52%
EPS(NY)5.9
Fwd EY8.16%
FCF(TTM)3.5
FCFY4.85%
OCF(TTM)3.7
OCFY5.11%
SpS46.34
BVpS33.32
TBVpS13.92
PEG (NY)1.54
PEG (5Y)2.12
Graham Number63.8594 (-11.7%)
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
WACC5.78%
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 Y8.62%
EPS Next 2Y8.65%
EPS Next 3Y8.39%
EPS Next 5Y5.63%
Revenue 1Y (TTM)4.34%
Revenue growth 3Y-5.12%
Revenue growth 5Y-0.77%
Sales Q2Q%13.84%
Revenue Next Year11.22%
Revenue Next 2Y6.87%
Revenue Next 3Y5.66%
Revenue Next 5Y32.58%
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 2 / 10 to SUN LIFE FINANCIAL INC (SLF). This can be considered as Overvalued.


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 8.62% 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 6 / 10 and the dividend payout ratio is 59.45%.