Overview Dividends

(SLF) Sun Life Financial - Ratings and Ratios

Exchange: NYSE • Country: Canada • Currency: USD • Type: Common Stock • ISIN: CA8667961053

Insurance, Investments, Health, Mutual Funds, Asset Management

SLF EPS (Earnings per Share)

EPS Growth (3Y CAGR): 3.55%
EPS Trend (3Y Correlation): 53.0%

SLF Revenue

Revenue Growth (3Y CAGR): -11.00%
Revenue Trend (3Y Correlation): -3.7%

Risk via 10d forecast
Volatility	18.2%
Value at Risk 5%th	29.0%

Reward
Sharpe Ratio	0.07
Alpha Jensen	-9.61

Character
Hurst Exponent	0.392
Beta	0.828

Drawdowns 3y
Max DD	14.91%
Mean DD	4.95%

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	32,631m
Sub-Industry	Life & Health Insurance
IPO / Inception	2000-03-23
Return 12m vs S&P 500	-11.1%
Analyst Rating	3.92 of 5

SLF Dividends

Dividend Yield	4.16%
Yield on Cost 5y	6.67%
Yield CAGR 5y	9.55%
Payout Consistency	98.3%
Payout Ratio	35.1%

SLF Growth Ratios

CAGR	13.65%
CAGR/Max DD Calmar Ratio	0.92
CAGR/Mean DD Pain Ratio	2.76
Current Volume	308.5k
Average Volume	353.3k

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (3.05b TTM) > 0 and > 6% of Revenue (6% = 1.96b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -1.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 0.0% (prev 58.11%; Δ -58.11pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 2.21b <= Net Income 3.05b (YES >=105%, WARN >=100%)

Net Debt (4.53b) to EBITDA (3.26b) ratio: 1.39 <= 3.0 (WARN <= 3.5)

error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities)

Outstanding Shares last Quarter (564.0m) change vs 12m ago -2.93% (target <= -2.0% for YES)

Gross Margin 37.58% (prev 10.80%; Δ 26.78pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 8.66% (prev 13.51%; Δ -4.85pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 16.62 (EBITDA TTM 3.26b / Interest Expense TTM 575.0m) >= 6 (WARN >= 3)

Altman Z'' 0.34

(A) 0.0 = (Total Current Assets 0.0 - Total Current Liabilities 0.0) / Total Assets 394.93b

(B) 0.03 = Retained Earnings (Balance) 13.00b / Total Assets 394.93b

(D) 0.06 = Book Value of Equity 23.38b / Total Liabilities 368.94b

Total Rating: 0.34 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.02

1. Piotroski 6.0pt = 1.0

2. FCF Yield 4.12% = 2.06

3. FCF Margin 6.33% = 1.58

4. Debt/Equity 0.52 = 2.37

5. Debt/Ebitda 1.39 = 1.15

6. ROIC - WACC (= 16.80)% = 12.50

7. RoE 11.85% = 0.99

8. Rev. Trend -3.66% = -0.27

9. EPS Trend 52.96% = 2.65

What is the price of SLF shares?

As of November 13, 2025, the stock is trading at USD 59.14 with a total of 308,516 shares traded.
Over the past week, the price has changed by -4.10%, over one month by -4.64%, over three months by +3.81% and over the past year by +2.98%.

Is Sun Life Financial a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Sun Life Financial (NYSE:SLF) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 74.02 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SLF is around 60.81 USD . This means that SLF is currently overvalued and has a potential downside of 2.82%.

Is SLF a buy, sell or hold?

Sun Life Financial has received a consensus analysts rating of 3.92. Therefore, it is recommended to buy SLF.

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	61.2	3.4%
Analysts Target Price	61.2	3.4%
ValueRay Target Price	67	13.3%

SLF Fundamental Data Overview November 10, 2025

Market Cap CAD = 45.79b (32.63b USD * 1.4032 USD.CAD)
P/E Trailing = 15.6107
P/E Forward = 10.6045
P/S = 0.9462
P/B = 2.0511
P/EG = 0.8949
Beta = 0.828
Revenue TTM = 32.74b CAD
EBIT TTM = 9.56b CAD
EBITDA TTM = 3.26b CAD
Long Term Debt = 11.77b CAD (from longTermDebt, last fiscal year)
Short Term Debt = 2.30b CAD (from shortTermDebt, last fiscal year)
Debt = 13.29b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.53b CAD (from netDebt column, last quarter)
Enterprise Value = 50.32b CAD (45.79b + Debt 13.29b - CCE 8.75b)
Interest Coverage Ratio = 16.62 (Ebit TTM 9.56b / Interest Expense TTM 575.0m)
FCF Yield = 4.12% (FCF TTM 2.07b / Enterprise Value 50.32b)
FCF Margin = 6.33% (FCF TTM 2.07b / Revenue TTM 32.74b)
Net Margin = 9.31% (Net Income TTM 3.05b / Revenue TTM 32.74b)
Gross Margin = 37.58% ((Revenue TTM 32.74b - Cost of Revenue TTM 20.44b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 12.01%)
Tobins Q-Ratio = 0.13 (Enterprise Value 50.32b / Total Assets 394.93b)
Interest Expense / Debt = 0.99% (Interest Expense 131.0m / Debt 13.29b)
Taxrate = 18.57% (260.0m / 1.40b)
NOPAT = 7.78b (EBIT 9.56b * (1 - 18.57%))
Current Ratio = unknown (Total Current Assets 0.0 / Total Current Liabilities 0.0)
Debt / Equity = 0.52 (Debt 13.29b / totalStockholderEquity, last quarter 25.70b)
Debt / EBITDA = 1.39 (Net Debt 4.53b / EBITDA 3.26b)
Debt / FCF = 2.19 (Net Debt 4.53b / FCF TTM 2.07b)
Total Stockholder Equity = 25.71b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 3.05b / Total Assets 394.93b)
RoE = 11.85% (Net Income TTM 3.05b / Total Stockholder Equity 25.71b)
RoCE = 25.50% (EBIT 9.56b / Capital Employed (Equity 25.71b + L.T.Debt 11.77b))
RoIC = 24.01% (NOPAT 7.78b / Invested Capital 32.42b)
WACC = 7.21% (E(45.79b)/V(59.07b) * Re(9.07%) + D(13.29b)/V(59.07b) * Rd(0.99%) * (1-Tc(0.19)))
Discount Rate = 9.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.76%
[DCF Debug] Terminal Value 76.49% ; FCFE base≈4.59b ; Y1≈5.18b ; Y5≈7.00b
Fair Price DCF = 180.4 (DCF Value 100.56b / Shares Outstanding 557.4m; 5y FCF grow 14.87% → 3.0% )
EPS Correlation: 52.96 | EPS CAGR: 3.55% | SUE: 0.14 | # QB: 0
Revenue Correlation: -3.66 | Revenue CAGR: -11.00% | SUE: 0.90 | # QB: 3

Additional Sources for SLF Stock

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