(SLF) Sun Life Financial - Ratings and Ratios
Insurance, Health, Investments, Retirement, Asset-Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.29% |
| Yield on Cost 5y | 6.53% |
| Yield CAGR 5y | 9.07% |
| Payout Consistency | 98.3% |
| Payout Ratio | 35.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 17.1% |
| Value at Risk 5%th | 27.5% |
| Relative Tail Risk | -2.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | 1.30 |
| CAGR/Max DD | 0.86 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.405 |
| Beta | 0.459 |
| Beta Downside | 0.521 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.91% |
| Mean DD | 5.29% |
| Median DD | 5.25% |
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 |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -2.16 > 1.0 |
| NWC/Revenue: 0.0% < 20% (prev 58.11%; Δ -58.11% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.21b > Net Income 3.09b |
| Net Debt (-1.38b) to EBITDA (4.84b): -0.28 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (564.0m) vs 12m ago -2.93% < -2% |
| Gross Margin: 13.68% > 18% (prev 0.11%; Δ 1357 % > 0.5%) |
| Asset Turnover: 9.58% > 50% (prev 13.51%; Δ -3.93% > 0%) |
| Interest Coverage Ratio: 2.66 > 6 (EBITDA TTM 4.84b / Interest Expense TTM 575.0m) |
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 13.00b / Total Assets 394.93b) |
| C: 0.00 (EBIT TTM 1.53b / Avg Total Assets 378.09b) |
| D: 0.06 (Book Value of Equity 22.73b / Total Liabilities 368.94b) |
| Altman-Z'' Score: 0.20 = B |
Beneish M
| DSRI: 1.54 (Receivables 2.75b/2.41b, Revenue 36.21b/48.80b) |
| GMI: 0.79 (GM 13.68% / 10.80%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 0.74 (Revenue 36.21b / 48.80b) |
| TATA: 0.00 (NI 3.09b - CFO 2.21b) / TA 394.93b) |
| Beneish M-Score: cannot calculate (missing components) |
ValueRay F-Score (Strict, 0-100) 62.13
| 1. Piotroski: 4.0pt |
| 2. FCF Yield: 4.19% |
| 3. FCF Margin: 5.72% |
| 4. Debt/Equity: 0.29 |
| 5. Debt/Ebitda: -0.28 |
| 6. ROIC - WACC: -2.87% |
| 7. RoE: 12.03% |
| 8. Revenue Trend: 49.52% |
| 9. EPS Trend: 70.36% |
What is the price of SLF shares?
Over the past week, the price has changed by -0.22%, over one month by +0.66%, over three months by +2.83% and over the past year by +11.68%.
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 | 61.4 | -1.9% |
| Analysts Target Price | 61.4 | -1.9% |
| ValueRay Target Price | 71.1 | 13.7% |
SLF Fundamental Data Overview January 18, 2026
P/E Trailing = 16.5289
P/E Forward = 10.9051
P/S = 1.0145
P/B = 2.0552
P/EG = 0.927
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 = 49.43b CAD (48.38b + Debt 7.38b - CCE 6.33b)
Interest Coverage Ratio = 2.66 (Ebit TTM 1.53b / Interest Expense TTM 575.0m)
EV/FCF = 23.87x (Enterprise Value 49.43b / FCF TTM 2.07b)
FCF Yield = 4.19% (FCF TTM 2.07b / Enterprise Value 49.43b)
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 = 0.13 (Enterprise Value 49.43b / 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 = 0.82% (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 = 6.80% (E(48.38b)/V(55.76b) * Re(7.61%) + D(7.38b)/V(55.76b) * Rd(1.78%) * (1-Tc(0.18)))
Discount Rate = 7.61% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.76%
[DCF Debug] Terminal Value 79.78% ; FCFF base≈5.12b ; Y1≈4.15b ; Y5≈2.88b
Fair Price DCF = 126.6 (EV 68.71b - Net Debt -1.38b = Equity 70.09b / Shares 553.8m; r=6.80% [WACC]; 5y FCF grow -22.78% → 2.90% )
EPS Correlation: 70.36 | 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=-1 | Analysts=9
EPS next Year (2026-12-31): EPS=7.87 | Chg30d=+0.010 | Revisions Net=+1 | Growth EPS=+7.3% | Growth Revenue=+4.3%
Additional Sources for SLF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle