SLF Fundamental Analysis - SUN LIFE FINANCIAL INC

Fundamental Rating

SLF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 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.

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1. Profitability

1.1 Basic Checks

SLF had positive earnings in the past year.

SLF had a positive operating cash flow in the past year.

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

The Return On Assets of SLF (0.86%) is worse than 60.27% of its industry peers.

SLF's Return On Equity of 12.85% is fine compared to the rest of the industry. SLF outperforms 62.33% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.86%
ROE	12.85%
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's Profit Margin of 9.34% is fine compared to the rest of the industry. SLF outperforms 65.75% of its industry peers.

In the last couple of years the Profit Margin of SLF has grown nicely.

SLF's Operating Margin of 14.71% is fine compared to the rest of the industry. SLF outperforms 67.12% of its industry peers.

In the last couple of years the Operating Margin of SLF has declined.

		Industry Rank	Sector Rank
OM	14.71%
PM (TTM)	9.34%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 1.54, which is an excellent value as it means it would take SLF, only 1.54 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 1.54, SLF perfoms like the industry average, outperforming 56.16% of the companies in the same industry.

SLF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of SLF (0.25) is better than 62.33% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.54
Altman-Z	N/A

ROIC/WACCN/A

WACC5.8%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.63% 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 7.10%.

The Revenue has been growing slightly by 0.65% on average over the past years.

EPS 1Y (TTM)8.63%

EPS 3Y3.43%

EPS 5Y5.28%

EPS Q2Q%4.07%

Revenue 1Y (TTM)7.1%

Revenue growth 3Y-3.54%

Revenue growth 5Y0.65%

Sales Q2Q%1.96%

3.2 Future

SLF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.97% yearly.

The Revenue is expected to grow by 31.70% on average over the next years. This is a very strong growth

EPS Next Y10.78%

EPS Next 2Y9.25%

EPS Next 3Y8.91%

EPS Next 5Y5.97%

Revenue Next Year-7.14%

Revenue Next 2Y-2.16%

Revenue Next 3Y0%

Revenue Next 5Y31.7%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.74, the valuation of SLF can be described as reasonable.

SLF's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 27.41. SLF is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 10.42 indicates a reasonable valuation of SLF.

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 22.88, SLF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.74
Fwd PE	10.42

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SLF.

		Industry Rank	Sector Rank
P/FCF	11.29
EV/EBITDA	N/A

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)1.09

PEG (5Y)2.22

EPS Next 2Y9.25%

EPS Next 3Y8.91%

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5. Dividend

5.1 Amount

SLF has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.

SLF's Dividend Yield is a higher than the industry average which is at 3.43.

SLF's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.36%

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.

SLF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)8.81%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

SLF pays out 62.09% 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.

DP62.09%

EPS Next 2Y9.25%

EPS Next 3Y8.91%

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SUN LIFE FINANCIAL INC

NYSE:SLF (9/19/2025, 3:14:29 PM)

60.1

+0.64 (+1.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)11-05 2025-11-05/amc

Inst Owners56.36%

Inst Owner Change1.43%

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap33.87B

Analysts74.12

Price Target65.19 (8.47%)

Short Float %1.42%

Short Ratio10.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.36%

Yearly Dividend2.45

Dividend Growth(5Y)8.81%

DP62.09%

Div Incr Years6

Div Non Decr Years6

Ex-Date08-27 2025-08-27 (0.88)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.67%

Min EPS beat(2)-0.3%

Max EPS beat(2)5.64%

EPS beat(4)2

Avg EPS beat(4)0.35%

Min EPS beat(4)-6.68%

Max EPS beat(4)5.64%

EPS beat(8)5

Avg EPS beat(8)0.65%

EPS beat(12)8

Avg EPS beat(12)1.91%

EPS beat(16)11

Avg EPS beat(16)2%

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)-3.74%

PT rev (3m)-3.39%

EPS NQ rev (1m)-0.33%

EPS NQ rev (3m)-4.6%

EPS NY rev (1m)0.94%

EPS NY rev (3m)0.94%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-4.85%

Revenue NY rev (3m)-5.86%

Valuation

		Industry Rank	Sector Rank
PE	11.74
Fwd PE	10.42
P/S	1.35
P/FCF	11.29
P/OCF	10.93
P/B	1.86
P/tB	4.31
EV/EBITDA	N/A

EPS(TTM)5.12

EY8.52%

EPS(NY)5.77

Fwd EY9.6%

FCF(TTM)5.32

FCFY8.86%

OCF(TTM)5.5

OCFY9.15%

SpS44.52

BVpS32.34

TBVpS13.94

PEG (NY)1.09

PEG (5Y)2.22

Profitability

		Industry Rank	Sector Rank
ROA	0.86%
ROE	12.85%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	14.71%
PM (TTM)	9.34%
GM	N/A
FCFM	11.95%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.54
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.39%
Interest Coverage	13.42
Cash Conversion	N/A
Profit Quality	128.03%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC5.8%

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)8.63%

EPS 3Y3.43%

EPS 5Y5.28%

EPS Q2Q%4.07%

EPS Next Y10.78%

EPS Next 2Y9.25%

EPS Next 3Y8.91%

EPS Next 5Y5.97%

Revenue 1Y (TTM)7.1%

Revenue growth 3Y-3.54%

Revenue growth 5Y0.65%

Sales Q2Q%1.96%

Revenue Next Year-7.14%

Revenue Next 2Y-2.16%

Revenue Next 3Y0%

Revenue Next 5Y31.7%

EBIT growth 1Y9.45%

EBIT growth 3Y-11.46%

EBIT growth 5YN/A

EBIT Next Year-2%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y37.89%

FCF growth 3YN/A

FCF growth 5Y0.24%

OCF growth 1Y37.39%

OCF growth 3YN/A

OCF growth 5Y0.46%

SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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