SLF Stock Analysis: Sun Life Financial | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 44.253m USD | 12M Return: 39.4% | CA8667961053 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 54.6M
EPS Trend: 18.4%
Qual. Beats: 1
Rev. Trend: 41.2%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Sun Life Financial Inc. (NYSE: SLF) is a Toronto-based financial services company founded in 1871, operating across North America, the United Kingdom, Ireland, and multiple Asian markets including Hong Kong, the Philippines, Japan, China, India, Singapore, Malaysia, and Indonesia. As a large-cap Canadian financial institution classified under the GICS Life & Health Insurance sub-industry, it generates revenue through a diversified mix of insurance premiums, fees on investment and wealth products, and asset management mandates.
The companys business is structured around four main pillars: insurance (term and permanent life, personal health, critical illness, long-term care, and disability coverage), wealth and investment products (mutual funds, segregated funds, annuities, and guaranteed investment contracts), financial planning services, and institutional asset management (pooled funds, pension portfolios, and segregated mandates for institutional clients). Life and health insurers like Sun Life typically earn the bulk of profits from underwriting margins and the investment income generated by reserves held against policyholder liabilities, while asset management contributes fee-based, capital-light earnings.
- Asia insurance premiums accelerate in Philippines, India, Hong Kong
- SLC Management AUM pressured by market volatility and redemptions
- Higher interest rates lift insurance investment income and spread margins
| Net Income: 3.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.40 > 1.0 |
| NWC/Revenue: 165.4% < 20% (prev 176.3%; Δ -10.89% < -1%) |
| CFO/TA 0.03 > 3% & CFO 10.8b > Net Income 3.58b |
| Net Debt (-19.6b) to EBITDA (4.77b): -4.12 < 3 |
| Current Ratio: 27.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (559.0m) vs 12m ago -1.76% < -2% |
| Gross Margin: 35.25% > 18% (prev 13.56%; Δ 21.69% > 0.5%) |
| Asset Turnover: 10.99% > 50% (prev 10.41%; Δ 0.57% > 0%) |
| Interest Coverage Ratio: 8.54 > 6 (EBIT TTM 4.77b / Interest Expense TTM 558.3m) |
| A: 0.17 (Total Current Assets 75.6b - Total Current Liabilities 2.76b) / Total Assets 425b |
| B: 0.03 (Retained Earnings 13.1b / Total Assets 425b) |
| C: 0.01 (EBIT TTM 4.77b / Avg Total Assets 401b) |
| D: 0.07 (Book Value of Equity 26.6b / Total Liabilities 399b) |
| Altman-Z'' = 1.37 = BB |
| DSRI: 0.93 (Receivables 45.9b/43.8b, Revenue 44.0b/39.2b) |
| GMI: 0.38 (GM 13.56% / 35.25%) |
| AQI: 1.01 (AQ_t 0.82 / AQ_t-1 0.81) |
| SGI: 1.12 (Revenue 44.0b / 39.2b) |
| TATA: -0.02 (NI 3.58b - CFO 10.8b) / TA 425b) |
| Beneish M = -3.54 (Cap -4..+1) = AAA |
As of August 21, 2026, the stock is trading at USD 78.26 with a total of 922,415 shares traded. Over the past week, the price has changed by -3.25%, over one month by -2.96%, over three months by +8.21% and over the past year by +39.37%.
Current recommended Stop Loss: 76.50 (which is 2.2% or 1.4 ATR below the current price).
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 | 64.5 | -17.6% |
Market Cap CAD = 61.0b (44.3b USD * 1.3778 USD.CAD)
P/E Trailing = 18.8812
P/E Forward = 13.9276
P/S = 1.2456
P/B = 2.5534
P/EG = 1.6093
Revenue TTM = 44.0b CAD
EBIT TTM = 4.77b CAD
EBITDA TTM = 4.77b CAD
Long Term Debt = 9.12b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.83b CAD (from shortTermDebt, last fiscal year)
Debt = 10.0b CAD (from shortLongTermDebtTotal, last quarter) + Leases 924.0m
Net Debt = -19.6b CAD (calculated: Debt 10.0b - CCE 29.7b)
Enterprise Value = 41.4b CAD (61.0b + Debt 10.0b - CCE 29.7b)
Interest Coverage Ratio = 8.54 (Ebit TTM 4.77b / Interest Expense TTM 558.3m)
EV/FCF = 3.89x (Enterprise Value 41.4b / FCF TTM 10.6b)
FCF Yield = 25.69% (FCF TTM 10.6b / Enterprise Value 41.4b)
FCF Margin = 24.12% (FCF TTM 10.6b / Revenue TTM 44.0b)
Net Margin = 8.14% (Net Income TTM 3.58b / Revenue TTM 44.0b)
Gross Margin = 35.25% ((Revenue TTM 44.0b - Cost of Revenue TTM 28.5b) / Revenue TTM)
Gross Margin QoQ = 10.69% (prev 40.21%)
Tobins Q-Ratio = 0.10 (Enterprise Value 41.4b / Total Assets 425b)
Interest Expense / Debt = 5.56% (Interest Expense 558.3m / Debt 10.0b)
Taxrate = 21.10% (962.7m / 4.56b)
NOPAT = 3.76b (EBIT 4.77b * (1 - 21.10%))
Current Ratio = 27.38 (Total Current Assets 75.6b / Total Current Liabilities 2.76b)
Debt / Equity = 0.38 (Debt 10.0b / totalStockholderEquity, last quarter 26.6b)
Debt / EBITDA = -4.12 (Net Debt -19.6b / EBITDA 4.77b)
Debt / FCF = -1.85 (Net Debt -19.6b / FCF TTM 10.6b)
Total Stockholder Equity = 25.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 3.58b / Total Assets 425b)
RoE = 13.89% (Net Income TTM 3.58b / Total Stockholder Equity 25.8b)
RoCE = 13.65% (EBIT 4.77b / Capital Employed (Equity 25.8b + L.T.Debt 9.12b))
RoIC = 0.89% (NOPAT 3.76b / Invested Capital 422b)
WACC = 6.62% (E(61.0b)/V(71.0b) * Re(6.99%) + D(10.0b)/V(71.0b) * Rd(5.56%) * (1-Tc(0.21)))
Discount Rate = 6.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.34 | Cagr: -2.15%
[DCF] Terminal Value 77.97% ; FCFF base≈8.03b ; Y1≈9.20b ; Y5≈13.5b
[DCF] Fair Price = 401.3 (EV 204b - Net Debt -19.6b = Equity 223b / Shares 556.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 18.45 | EPS CAGR: 0.67% | SUE: 0.92 | # QB: 1
Revenue Correlation: 41.22 | Revenue CAGR: 5.07% | SUE: 1.73 | # QB: 2
EPS current Quarter (2026-09-30): EPS=2.03 | Chg30d=+0.70% | Revisions=+29% | Analysts=12
EPS current Year (2026-12-31): EPS=8.02 | Chg30d=+1.10% | Revisions=+70% | GrowthEPS=+7.7% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=8.68 | Chg30d=+1.82% | Revisions=+31% | GrowthEPS=+8.2% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +54% (up=17, down=4)