(SLF) Sun Life Financial - Ratings and Ratios
Insurance, Investments, Annuities, Asset Management, Retirement Planning
SLF EPS (Earnings per Share)
SLF Revenue
Description: SLF Sun Life Financial
Sun Life Financial Inc. (NYSE:SLF) is a diversified financial services company operating globally, offering a broad range of products and services including asset management, wealth management, insurance, and health solutions to both individual and institutional clients across multiple countries.
From a product perspective, the company has a comprehensive portfolio that includes various insurance products such as life insurance, health insurance, critical illness, long-term care, and disability insurance. Additionally, it offers investment products like mutual funds, segregated funds, annuities, and guaranteed investment products, as well as financial and retirement planning services. The asset management segment includes pooled funds, institutional portfolios, and pension funds, catering to the diverse needs of its clientele.
Key Performance Indicators (KPIs) that can be used to evaluate Sun Life Financials performance include its revenue growth, net income margin, return on equity (RoE) - which is currently at 12.87%, indicating a decent return for shareholders. Another important metric is the companys ability to maintain a strong solvency position, crucial for an insurance company, though the exact solvency ratio isnt provided. The dividend yield and payout ratio are also significant, as they indicate the companys ability to return value to shareholders. Furthermore, the companys market share in its key markets and its ability to grow through acquisitions or organic growth are also vital.
From an operational standpoint, Sun Life Financials global presence across Canada, the United States, the UK, and several countries in Asia and the Pacific, allows for diversified revenue streams. However, this also exposes the company to various regulatory environments and market conditions, necessitating a robust risk management framework. The companys ability to adapt to changing regulatory requirements, technological advancements, and shifting consumer preferences will be critical to its long-term success.
Given its diversified product portfolio and global footprint, Sun Life Financials financial health and operational efficiency can be further analyzed using metrics such as the expense ratio, operating leverage, and the companys investment portfolios yield and credit quality. These factors will influence the companys profitability and its ability to sustain growth over time.
SLF Stock Overview
| Market Cap in USD | 32,805m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2000-03-23 |
SLF Stock Ratings
| Growth Rating | 62.2% |
| Fundamental | 69.9% |
| Dividend Rating | 76.0% |
| Return 12m vs S&P 500 | -3.89% |
| Analyst Rating | 3.92 of 5 |
SLF Dividends
| Dividend Yield 12m | 4.26% |
| Yield on Cost 5y | 7.24% |
| Annual Growth 5y | 7.57% |
| Payout Consistency | 98.3% |
| Payout Ratio | 34.8% |
SLF Growth Ratios
| Growth Correlation 3m | -88.6% |
| Growth Correlation 12m | 61.5% |
| Growth Correlation 5y | 78.1% |
| CAGR 5y | 11.52% |
| CAGR/Max DD 5y | 0.37 |
| Sharpe Ratio 12m | 1.43 |
| Alpha | 1.93 |
| Beta | 0.529 |
| Volatility | 27.70% |
| Current Volume | 493.6k |
| Average Volume 20d | 568.6k |
| Stop Loss | 56.6 (-3.1%) |
| Signal | -0.57 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (3.29b TTM) > 0 and > 6% of Revenue (6% = 2.09b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.94pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 (>3.0%) and CFO 4.27b > Net Income 3.29b (YES >=105%, WARN >=100%) |
| Net Debt (-1.22b) to EBITDA (4.95b) ratio: -0.25 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (569.0m) change vs 12m ago -2.57% (target <= -2.0% for YES) |
| Gross Margin 39.97% (prev 17.79%; Δ 22.17pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.65% (prev 10.14%; Δ -0.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.86 (EBITDA TTM 4.95b / Interest Expense TTM 629.0m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 69.91
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 14.51% = 5.0 |
| 3. FCF Margin 11.88% = 2.97 |
| 4. Debt/Equity 0.35 = 2.44 |
| 5. Debt/Ebitda 1.76 = 0.48 |
| 6. ROIC - WACC 4.81% = 6.01 |
| 7. RoE 12.77% = 1.06 |
| 8. Rev. Trend 3.54% = 0.18 |
| 9. Rev. CAGR 2.34% = 0.29 |
| 10. EPS Trend -11.58% = -0.29 |
| 11. EPS CAGR 17.65% = 1.77 |
What is the price of SLF shares?
Over the past week, the price has changed by +0.28%, over one month by -4.78%, over three months by -7.85% and over the past year by +12.41%.
Is Sun Life Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SLF is around 56.85 USD . This means that SLF is currently overvalued and has a potential downside of -2.7%.
Is SLF a buy, sell or hold?
- Strong Buy: 4
- Buy: 5
- Hold: 3
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the SLF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53.5 | -8.4% |
| Analysts Target Price | 51.7 | -11.4% |
| ValueRay Target Price | 62.5 | 6.9% |
Last update: 2025-08-21 02:47
SLF Fundamental Data Overview
CCE Cash And Equivalents = 25.40b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.3039
P/E Forward = 11.0988
P/S = 0.961
P/B = 1.982
P/EG = 1.0571
Beta = 0.868
Revenue TTM = 34.79b CAD
EBIT TTM = 4.95b CAD
EBITDA TTM = 4.95b CAD
Long Term Debt = 6.38b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.30b CAD (from shortTermDebt, last fiscal year)
Debt = 8.68b CAD (Calculated: Short Term 2.30b + Long Term 6.38b)
Net Debt = -1.22b CAD (from netDebt column, last quarter)
Enterprise Value = 28.49b CAD (45.21b + Debt 8.68b - CCE 25.40b)
Interest Coverage Ratio = 7.86 (Ebit TTM 4.95b / Interest Expense TTM 629.0m)
FCF Yield = 14.51% (FCF TTM 4.13b / Enterprise Value 28.49b)
FCF Margin = 11.88% (FCF TTM 4.13b / Revenue TTM 34.79b)
Net Margin = 9.45% (Net Income TTM 3.29b / Revenue TTM 34.79b)
Gross Margin = 39.97% ((Revenue TTM 34.79b - Cost of Revenue TTM 20.89b) / Revenue TTM)
Tobins Q-Ratio = 1.28 (Enterprise Value 28.49b / Book Value Of Equity 22.20b)
Interest Expense / Debt = 1.49% (Interest Expense 129.0m / Debt 8.68b)
Taxrate = 23.97% (from yearly Income Tax Expense: 1.04b / 4.34b)
NOPAT = 3.76b (EBIT 4.95b * (1 - 23.97%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = 0.35 (Debt 8.68b / last Quarter total Stockholder Equity 25.12b)
Debt / EBITDA = 1.76 (Net Debt -1.22b / EBITDA 4.95b)
Debt / FCF = 2.10 (Debt 8.68b / FCF TTM 4.13b)
Total Stockholder Equity = 25.75b (last 4 quarters mean)
RoA = 0.87% (Net Income 3.29b, Total Assets 376.29b )
RoE = 12.77% (Net Income TTM 3.29b / Total Stockholder Equity 25.75b)
RoCE = 15.39% (Ebit 4.95b / (Equity 25.75b + L.T.Debt 6.38b))
RoIC = 11.67% (NOPAT 3.76b / Invested Capital 32.21b)
WACC = 6.86% (E(45.21b)/V(53.89b) * Re(7.96%)) + (D(8.68b)/V(53.89b) * Rd(1.49%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -0.90%
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 80.80% ; FCFE base≈5.29b ; Y1≈6.24b ; Y5≈9.59b
Fair Price DCF = 292.4 (DCF Value 164.35b / Shares Outstanding 562.1m; 5y FCF grow 19.07% → 3.0% )
Revenue Correlation: 3.54 | Revenue CAGR: 2.34%
Rev Growth-of-Growth: 48.51
EPS Correlation: -11.58 | EPS CAGR: 17.65%
EPS Growth-of-Growth: -25.53
Additional Sources for SLF Stock
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