Overview Dividends

(SLF) Sun Life Financial - Ratings and Ratios

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

Insurance, Health, Investments, Retirement, Asset-Management

Life & Health Insurance
Market Cap in USD: 34,232m

IPO / Inception: 2000-03-23
Return 12m vs S&P 500: -6.95%

EPS (Earnings per Share)

EPS CAGR: 5.35%
EPS Trend: 64.0%

Last SUE: 0.11
Qual. Beats: 0

Revenue

Rev. CAGR: -1.25%
Rev. Trend: 49.5%

Last SUE: 1.25
Qual. Beats: 3

Dividends

Dividend Yield	4.08%
Yield on Cost 5y	7.15%
Yield CAGR 5y	9.55%
Payout Consistency	98.2%
Payout Ratio	36.1%

Risk via 5d forecast
Volatility	17.4%
Value at Risk 5%th	28.1%
Relative Tail Risk	-2.03%

Reward TTM
Sharpe Ratio	0.38
Alpha	-0.92
CAGR/Max DD	1.00

Character TTM
Hurst Exponent	0.398
Beta	0.472
Beta Downside	0.571

Drawdowns 3y
Max DD	14.91%
Mean DD	5.20%
Median DD	5.24%

Description: SLF Sun Life Financial December 17, 2025

Sun Life Financial Inc. (NYSE: SLF) is a diversified financial-services firm headquartered in Toronto that delivers insurance, wealth-management, and health-care solutions to both individual and institutional clients across North America, Europe, and Asia-Pacific markets.

Its product suite spans term and permanent life insurance, personal health coverage (prescription drugs, dental, vision), critical-illness, long-term care, and disability policies, alongside investment offerings such as mutual and segregated funds, annuities, guaranteed investment products, and institutional asset-management services (pension funds, pooled portfolios). The company, founded in 1871 and renamed from Sun Life Financial Services of Canada Inc. in 2003, operates in 15+ jurisdictions including Canada, the United States, the United Kingdom, Ireland, Hong Kong, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia, and Bermuda.

Key quantitative signals (as of FY 2023) include a net income of **CAD 2.9 billion**, a **return on equity (ROE) of ~13%**, and an **embedded value growth rate of 5.2% YoY**, reflecting strong capital efficiency. The firm’s earnings are sensitive to interest-rate trends because a sizable portion of its portfolio consists of fixed-income assets; a 100-basis-point rise in rates historically lifts investment income by roughly 0.4% of total revenue. Demographic aging in Canada and the U.S. drives demand for retirement-and-long-term-care products, while expanding middle-class wealth in Asia-Pacific underpins growth in the company’s wealth-management channel.

For a deeper quantitative breakdown, the ValueRay platform offers a granular view of Sun Life’s valuation metrics.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (3.09b TTM) > 0 and > 6% of Revenue (6% = 2.17b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -2.16pp (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 3.09b (YES >=105%, WARN >=100%)

Net Debt (-1.38b) to EBITDA (4.84b) ratio: -0.28 <= 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 13.68% (prev 10.80%; Δ 2.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 9.58% (prev 13.51%; Δ -3.93pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.66 (EBITDA TTM 4.84b / Interest Expense TTM 575.0m) >= 6 (WARN >= 3)

Altman Z'' 0.20

(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 22.73b / Total Liabilities 368.94b

Total Rating: 0.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 61.74

1. Piotroski 4.0pt

2. FCF Yield 4.30%

3. FCF Margin 5.72%

4. Debt/Equity 0.29

5. Debt/Ebitda -0.28

6. ROIC - WACC (= -2.98)%

7. RoE 12.03%

8. Rev. Trend 49.52%

9. EPS Trend 64.01%

What is the price of SLF shares?

As of December 21, 2025, the stock is trading at USD 61.54 with a total of 535,169 shares traded.
Over the past week, the price has changed by +1.87%, over one month by +6.12%, over three months by +3.37% and over the past year by +9.37%.

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	62	0.7%
Analysts Target Price	62	0.7%
ValueRay Target Price	70.6	14.8%

SLF Fundamental Data Overview December 18, 2025

Market Cap CAD = 47.10b (34.23b USD * 1.376 USD.CAD)
P/E Trailing = 15.9974
P/E Forward = 10.4932
P/S = 0.9926
P/B = 1.9842
P/EG = 0.8949
Beta = 0.806
Revenue TTM = 36.21b CAD
EBIT TTM = 1.53b CAD
EBITDA TTM = 4.84b CAD
Long Term Debt = 7.38b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.30b CAD (from shortTermDebt, last fiscal year)
Debt = 7.38b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.38b CAD (from netDebt column, last quarter)
Enterprise Value = 48.15b CAD (47.10b + Debt 7.38b - CCE 6.33b)
Interest Coverage Ratio = 2.66 (Ebit TTM 1.53b / Interest Expense TTM 575.0m)
FCF Yield = 4.30% (FCF TTM 2.07b / Enterprise Value 48.15b)
FCF Margin = 5.72% (FCF TTM 2.07b / Revenue TTM 36.21b)
Net Margin = 8.54% (Net Income TTM 3.09b / Revenue TTM 36.21b)
Gross Margin = 13.68% ((Revenue TTM 36.21b - Cost of Revenue TTM 31.26b) / Revenue TTM)
Gross Margin QoQ = 12.73% (prev 12.01%)
Tobins Q-Ratio = 0.12 (Enterprise Value 48.15b / Total Assets 394.93b)
Interest Expense / Debt = 1.78% (Interest Expense 131.0m / Debt 7.38b)
Taxrate = 17.97% (260.0m / 1.45b)
NOPAT = 1.26b (EBIT 1.53b * (1 - 17.97%))
Current Ratio = unknown (Total Current Assets 0.0 / Total Current Liabilities 0.0)
Debt / Equity = 0.29 (Debt 7.38b / totalStockholderEquity, last quarter 25.70b)
Debt / EBITDA = -0.28 (Net Debt -1.38b / EBITDA 4.84b)
Debt / FCF = -0.66 (Net Debt -1.38b / FCF TTM 2.07b)
Total Stockholder Equity = 25.71b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.78% (Net Income 3.09b / Total Assets 394.93b)
RoE = 12.03% (Net Income TTM 3.09b / Total Stockholder Equity 25.71b)
RoCE = 4.63% (EBIT 1.53b / Capital Employed (Equity 25.71b + L.T.Debt 7.38b))
RoIC = 3.92% (NOPAT 1.26b / Invested Capital 32.02b)
WACC = 6.90% (E(47.10b)/V(54.48b) * Re(7.75%) + D(7.38b)/V(54.48b) * Rd(1.78%) * (1-Tc(0.18)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.76%
[DCF Debug] Terminal Value 74.81% ; FCFE base≈5.12b ; Y1≈4.15b ; Y5≈2.89b
Fair Price DCF = 96.06 (DCF Value 53.51b / Shares Outstanding 557.1m; 5y FCF grow -22.78% → 3.0% )
EPS Correlation: 64.01 | EPS CAGR: 5.35% | SUE: 0.11 | # QB: 0
Revenue Correlation: 49.52 | Revenue CAGR: -1.25% | SUE: 1.25 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.88 | Chg30d=-0.002 | Revisions Net=+2 | Analysts=9
EPS next Year (2026-12-31): EPS=7.86 | Chg30d=+0.006 | Revisions Net=+1 | Growth EPS=+7.3% | Growth Revenue=+4.3%

Additional Sources for SLF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle