(SLF) Sun Life Financial - Ratings and Ratios
Insurance, Investments, Health, Mutual Funds, Asset Management
SLF EPS (Earnings per Share)
SLF Revenue
Description: SLF Sun Life Financial October 14, 2025
Sun Life Financial Inc. (NYSE: SLF) is a diversified financial services firm that delivers asset-management, wealth, insurance, and health solutions to both individual and institutional clients across 15+ markets, including Canada, the United States, the United Kingdom, and a broad set of Asian economies such as Hong Kong, Japan, India, and Singapore.
The company’s insurance portfolio spans term and permanent life policies, personal health coverage (prescription drugs, dental, vision), critical-illness, long-term care, and disability products. On the investment side, Sun Life offers mutual and segregated funds, annuities, guaranteed investment products, and provides comprehensive financial-planning and retirement services. Its asset-management arm manages pooled funds, institutional portfolios, and pension-fund assets for a global client base.
Founded in 1871 and headquartered in Toronto, Canada, Sun Life operated under the name Sun Life Financial Services of Canada Inc. until it rebranded to Sun Life Financial Inc. in July 2003.
Key financial and sector metrics: • 2023 net income was C$3.2 billion, reflecting a 7 % YoY increase driven by higher life-insurance premiums and fee-based investment income. • The firm’s combined ratio in its Canadian life-insurance segment improved to 92.5 % in Q4 2023, indicating underwriting profitability. • Demographic aging in North America and rising middle-class wealth in Asia are core growth drivers for life-insurance and wealth-management demand.
Ticker SLF is classified under the GICS sub-industry “Life & Health Insurance,” and its performance is sensitive to interest-rate trends, mortality assumptions, and regulatory capital requirements.
For a deeper, data-rich analysis of Sun Life’s valuation dynamics, you may find ValueRay’s proprietary dashboards useful.
SLF Stock Overview
| Market Cap in USD | 33,942m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2000-03-23 |
SLF Stock Ratings
| Growth Rating | 75.7% |
| Fundamental | 79.2% |
| Dividend Rating | 73.7% |
| Return 12m vs S&P 500 | -5.31% |
| Analyst Rating | 3.92 of 5 |
SLF Dividends
| Dividend Yield 12m | 3.98% |
| Yield on Cost 5y | 7.51% |
| Annual Growth 5y | 9.55% |
| Payout Consistency | 98.3% |
| Payout Ratio | 32.3% |
SLF Growth Ratios
| Growth Correlation 3m | 74.8% |
| Growth Correlation 12m | 54.4% |
| Growth Correlation 5y | 77.9% |
| CAGR 5y | 19.30% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.29 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.99 |
| Sharpe Ratio 12m | 1.55 |
| Alpha | -3.36 |
| Beta | 0.829 |
| Volatility | 16.51% |
| Current Volume | 314.6k |
| Average Volume 20d | 294.8k |
| Stop Loss | 59.8 (-3.1%) |
| Signal | 0.05 |
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) |
| NWC/Revenue -2.72% (prev 15.41%; Δ -18.13pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 4.27b > Net Income 3.29b (YES >=105%, WARN >=100%) |
| Net Debt (-1.22b) to EBITDA (5.09b) ratio: -0.24 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (569.0m) change vs 12m ago -2.57% (target <= -2.0% for YES) |
| Gross Margin 39.97% (prev 62.71%; Δ -22.74pp) >=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 15.75 (EBITDA TTM 5.09b / Interest Expense TTM 629.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.35
| (A) -0.00 = (Total Current Assets 5.57b - Total Current Liabilities 6.51b) / Total Assets 376.29b |
| (B) 0.03 = Retained Earnings (Balance) 12.75b / Total Assets 376.29b |
| (C) 0.03 = EBIT TTM 9.90b / Avg Total Assets 360.40b |
| (D) 0.06 = Book Value of Equity 22.20b / Total Liabilities 351.10b |
| Total Rating: 0.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 79.24
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 14.53% = 5.0 |
| 3. FCF Margin 11.88% = 2.97 |
| 4. Debt/Equity 0.25 = 2.47 |
| 5. Debt/Ebitda -0.24 = 2.50 |
| 6. ROIC - WACC (= 16.32)% = 12.50 |
| 7. RoE 12.77% = 1.06 |
| 8. Rev. Trend 3.54% = 0.27 |
| 9. EPS Trend 49.50% = 2.48 |
What is the price of SLF shares?
Over the past week, the price has changed by +0.36%, over one month by +3.96%, over three months by +0.60% and over the past year by +13.24%.
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 65.38 USD . This means that SLF is currently overvalued and has a potential downside of 5.91%.
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 | 61.5 | -0.4% |
| Analysts Target Price | 61.5 | -0.4% |
| ValueRay Target Price | 72.7 | 17.8% |
SLF Fundamental Data Overview October 20, 2025
P/E Trailing = 15.0647
P/E Forward = 10.6045
P/S = 0.9943
P/B = 2.0511
P/EG = 0.8949
Beta = 0.829
Revenue TTM = 34.79b CAD
EBIT TTM = 9.90b CAD
EBITDA TTM = 5.09b CAD
Long Term Debt = 6.38b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.30b CAD (from shortTermDebt, last fiscal year)
Debt = 6.38b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.22b CAD (from netDebt column, last quarter)
Enterprise Value = 28.46b CAD (47.48b + Debt 6.38b - CCE 25.40b)
Interest Coverage Ratio = 15.75 (Ebit TTM 9.90b / Interest Expense TTM 629.0m)
FCF Yield = 14.53% (FCF TTM 4.13b / Enterprise Value 28.46b)
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)
Gross Margin QoQ = 36.25% (prev 36.71%)
Tobins Q-Ratio = 0.08 (Enterprise Value 28.46b / Total Assets 376.29b)
Interest Expense / Debt = 2.02% (Interest Expense 129.0m / Debt 6.38b)
Taxrate = 20.29% (198.0m / 976.0m)
NOPAT = 7.89b (EBIT 9.90b * (1 - 20.29%))
Current Ratio = 0.85 (Total Current Assets 5.57b / Total Current Liabilities 6.51b)
Debt / Equity = 0.25 (Debt 6.38b / totalStockholderEquity, last quarter 25.12b)
Debt / EBITDA = -0.24 (Net Debt -1.22b / EBITDA 5.09b)
Debt / FCF = -0.30 (Net Debt -1.22b / FCF TTM 4.13b)
Total Stockholder Equity = 25.75b (last 4 quarters mean from totalStockholderEquity)
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 = 30.83% (EBIT 9.90b / Capital Employed (Equity 25.75b + L.T.Debt 6.38b))
RoIC = 24.51% (NOPAT 7.89b / Invested Capital 32.21b)
WACC = 8.19% (E(47.48b)/V(53.86b) * Re(9.07%) + D(6.38b)/V(53.86b) * Rd(2.02%) * (1-Tc(0.20)))
Discount Rate = 9.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.32%
[DCF Debug] Terminal Value 77.47% ; FCFE base≈5.29b ; Y1≈6.24b ; Y5≈9.59b
Fair Price DCF = 242.8 (DCF Value 136.07b / Shares Outstanding 560.5m; 5y FCF grow 19.07% → 3.0% )
EPS Correlation: 49.50 | EPS CAGR: 3.70% | SUE: 0.07 | # QB: 0
Revenue Correlation: 3.54 | Revenue CAGR: 2.34% | SUE: 0.80 | # QB: 0
Additional Sources for SLF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle