(SLF) Sun Life Financial - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 40.492m USD | Total Return: 17.6% in 12m
Avg Turnover: 41.0M
EPS Trend: 87.4%
Qual. Beats: 0
Rev. Trend: 34.3%
Qual. Beats: 1
Warnings
Below Avwap Earnings
Tailwinds
Supp Ema20, Idiosyncratic Leader
Sun Life Financial Inc. (SLF) is a global financial services provider headquartered in Toronto, offering asset management, wealth, and insurance solutions across North America, Europe, and Asia. Its portfolio includes personal health and life insurance, disability coverage, and a range of investment products such as mutual funds and institutional pension management.
Operating within the Life & Health Insurance sector, the company utilizes a diversified business model that balances fee-based income from asset management with traditional premium-based risk underwriting. This geographic and product diversification helps mitigate regional economic downturns and shifts in interest rate environments.
For a more detailed analysis of the companys historical performance, you can explore the data on ValueRay.
- MFS and SLC Management fee growth drives asset management earnings
- Asian middle class expansion accelerates life and health insurance premiums
- Higher interest rates boost reinvestment yields on long-term insurance portfolios
- Group benefits margin stability depends on Canadian and U.S. employment trends
- Regulatory capital requirements influence dividend growth and share buyback capacity
| Net Income: 3.28b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.48 > 1.0 |
| NWC/Revenue: 38.86% < 20% (prev 180.1%; Δ -141.2% < -1%) |
| CFO/TA 0.03 > 3% & CFO 11.4b > Net Income 3.28b |
| Net Debt (500.9m) to EBITDA (4.18b): 0.12 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (572.6m) vs 12m ago -0.41% < -2% |
| Gross Margin: 51.99% > 18% (prev 0.14%; Δ 5.19k% > 0.5%) |
| Asset Turnover: 10.20% > 50% (prev 10.43%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 7.52 > 6 (EBITDA TTM 4.18b / Interest Expense TTM 556.3m) |
| A: 0.04 (Total Current Assets 15.3b - Total Current Liabilities 0.0) / Total Assets 399b |
| B: 0.03 (Retained Earnings 12.8b / Total Assets 399b) |
| C: 0.01 (EBIT TTM 4.18b / Avg Total Assets 386b) |
| D: 0.06 (Book Value of Equity 22.3b / Total Liabilities 373b) |
| Altman-Z'' = 0.49 = B |
| DSRI: 0.15 (Receivables 6.49b/44.1b, Revenue 39.4b/38.9b) |
| GMI: 0.26 (GM 51.99% / 13.77%) |
| AQI: 1.19 (AQ_t 0.96 / AQ_t-1 0.80) |
| SGI: 1.01 (Revenue 39.4b / 38.9b) |
| TATA: -0.02 (NI 3.28b - CFO 11.4b) / TA 399b) |
| Beneish M = -4.29 (Cap -4..+1) = AAA |
As of May 29, 2026, the stock is trading at USD 71.89 with a total of 692,716 shares traded.
Over the past week, the price has changed by -0.60%,
over one month by +1.96%,
over three months by +10.73% and
over the past year by +17.59%.
Sun Life Financial has received a consensus analysts rating of 3.92. Therefore, it is recommended to buy SLF.
- StrongBuy: 4
- Buy: 5
- Hold: 3
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 66.2 | -8% |
Market Cap CAD = 55.8b (40.5b USD * 1.3781 USD.CAD)
P/E Trailing = 18.7385
P/E Forward = 12.87
P/S = 1.1603
P/B = 2.3729
P/EG = 1.4168
Revenue TTM = 39.4b CAD
EBIT TTM = 4.18b CAD
EBITDA TTM = 4.18b CAD
Long Term Debt = 8.37b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.39b CAD (from shortTermDebt, last fiscal year)
Debt = 9.32b CAD (from shortLongTermDebtTotal, last quarter) + Leases 924.0m
Net Debt = 500.9m CAD (calculated: Debt 9.32b - CCE 8.82b)
Enterprise Value = 56.3b CAD (55.8b + Debt 9.32b - CCE 8.82b)
Interest Coverage Ratio = 7.52 (Ebit TTM 4.18b / Interest Expense TTM 556.3m)
EV/FCF = 4.98x (Enterprise Value 56.3b / FCF TTM 11.3b)
FCF Yield = 20.07% (FCF TTM 11.3b / Enterprise Value 56.3b)
FCF Margin = 28.69% (FCF TTM 11.3b / Revenue TTM 39.4b)
Net Margin = 8.33% (Net Income TTM 3.28b / Revenue TTM 39.4b)
Gross Margin = 51.99% ((Revenue TTM 39.4b - Cost of Revenue TTM 18.9b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 56.3b / Total Assets 399b)
Interest Expense / Debt = 5.97% (Interest Expense 556.3m / Debt 9.32b)
Taxrate = 16.30% (103.3m / 633.6m)
NOPAT = 3.50b (EBIT 4.18b * (1 - 16.30%))
Current Ratio = unknown (Total Current Assets 15.3b / Total Current Liabilities 0.0)
Debt / Equity = 0.37 (Debt 9.32b / totalStockholderEquity, last quarter 25.1b)
Debt / EBITDA = 0.12 (Net Debt 500.9m / EBITDA 4.18b)
Debt / FCF = 0.04 (Net Debt 500.9m / FCF TTM 11.3b)
Total Stockholder Equity = 25.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 3.28b / Total Assets 399b)
RoE = 13.07% (Net Income TTM 3.28b / Total Stockholder Equity 25.1b)
RoCE = 12.49% (EBIT 4.18b / Capital Employed (Equity 25.1b + L.T.Debt 8.37b))
RoIC = 1.07% (EBIT 4.18b / (Assets 399b - Curr.Liab 0.0 - Cash 8.82b))
WACC = 7.42% (E(55.8b)/V(65.1b) * Re(7.82%) + D(9.32b)/V(65.1b) * Rd(5.97%) * (1-Tc(0.16)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -75.02 | Cagr: -0.89%
[DCF] Terminal Value 77.97% ; FCFF base≈8.80b ; Y1≈10.1b ; Y5≈14.8b
[DCF] Fair Price = 402.3 (EV 223b - Net Debt 500.9m = Equity 223b / Shares 554.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.36 | EPS CAGR: 7.73% | SUE: 0.0 | # QB: 0
Revenue Correlation: 34.32 | Revenue CAGR: 3.97% | SUE: 1.11 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.92 | Chg30d=-1.28% | Revisions=-23% | Analysts=10
EPS next Quarter (2026-09-30): EPS=2.01 | Chg30d=-0.23% | Revisions=-40% | Analysts=10
EPS current Year (2026-12-31): EPS=7.84 | Chg30d=-0.47% | Revisions=-33% | GrowthEPS=+5.2% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=8.51 | Chg30d=-0.47% | Revisions=-33% | GrowthEPS=+8.6% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -40%