SUN LIFE FINANCIAL INC (SLF)
CA8667961053 - Common Stock
Taking everything into account, SLF scores 5 out of 10 in our fundamental rating. SLF was compared to 140 industry peers in the Insurance industry. There are concerns on the financial health of SLF while its profitability can be described as average. SLF has a correct valuation and a medium growth rate. 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.
In the past 5 years SLF has always been profitable.
Of the past 5 years SLF 4 years had a positive operating cash flow.
1.2 Ratios
SLF has a Return On Assets of 0.93%. This is comparable to the rest of the industry: SLF outperforms 46.76% of its industry peers.
SLF's Return On Equity of 12.84% is fine compared to the rest of the industry. SLF outperforms 61.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 12.84% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)0.93%
ROE(3y)13.43%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SLF's Profit Margin of 9.93% is fine compared to the rest of the industry. SLF outperforms 64.75% of its industry peers.
In the last couple of years the Profit Margin of SLF has remained more or less at the same level.
SLF has a better Operating Margin (14.42%) than 64.03% of its industry peers.
SLF's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.42% | ||
| PM (TTM) | 9.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y0.4%
PM growth 3Y14.63%
PM growth 5Y1.22%
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.
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.
The debt/assets ratio for SLF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SLF is 1.17, which is an excellent value as it means it would take SLF, only 1.17 years of fcf income to pay off all of its debts.
SLF's Debt to FCF ratio of 1.17 is fine compared to the rest of the industry. SLF outperforms 68.35% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that SLF is not too dependend on debt financing.
The Debt to Equity ratio of SLF (0.27) is better than 67.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.44%.
Measured over the past 5 years, SLF shows a small growth in Earnings Per Share. The EPS has been growing by 5.57% on average per year.
Looking at the last year, SLF shows a decrease in Revenue. The Revenue has decreased by -2.79% in the last year.
Measured over the past years, SLF shows a small growth in Revenue. The Revenue has been growing by 2.86% on average per year.
EPS 1Y (TTM)1.44%
EPS 3Y5.09%
EPS 5Y5.57%
EPS growth Q2Q-0.59%
Revenue 1Y (TTM)-2.79%
Revenue growth 3Y-5.19%
Revenue growth 5Y2.86%
Revenue growth Q2Q-34.31%
3.2 Future
SLF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.28% yearly.
The Revenue is expected to grow by 42.87% on average over the next years. This is a very strong growth
EPS Next Y8.27%
EPS Next 2Y7.95%
EPS Next 3Y8.28%
EPS Next 5YN/A
Revenue Next Year8.8%
Revenue Next 2Y6.17%
Revenue Next 3Y5.98%
Revenue Next 5Y42.87%
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 accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.06, which indicates a very decent valuation of SLF.
The rest of the industry has a similar Price/Earnings ratio as SLF.
Compared to an average S&P500 Price/Earnings ratio of 24.76, SLF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.21, the valuation of SLF can be described as reasonable.
60.43% of the companies in the same industry are more expensive than SLF, based on the Price/Forward Earnings ratio.
SLF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.06 | ||
| Fwd PE | 10.21 |
4.2 Price Multiples
SLF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.55 | ||
| 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)1.34
PEG (5Y)1.99
EPS Next 2Y7.95%
EPS Next 3Y8.28%
5. Dividend
5.1 Amount
SLF has a Yearly Dividend Yield of 4.41%, which is a nice return.
Compared to an average industry Dividend Yield of 4.31, SLF pays a better dividend. On top of this SLF pays more dividend than 83.45% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, SLF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
5.2 History
On average, the dividend of SLF grows each year by 9.66%, 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)9.66%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
60.99% 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.
DP60.99%
EPS Next 2Y7.95%
EPS Next 3Y8.28%
SUN LIFE FINANCIAL INC
NYSE:SLF (4/19/2024, 7:16:28 PM)
After market: 51.11 0 (0%)51.11
+0.45 (+0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap29.88B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.06 | ||
| Fwd PE | 10.21 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.34
PEG (5Y)1.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 12.84% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.42% | ||
| PM (TTM) | 9.93% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)1.44%
EPS 3Y5.09%
EPS 5Y
EPS growth Q2Q
EPS Next Y8.27%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.79%
Revenue growth 3Y-5.19%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y