(SLF) Sun Life Financial - NYSE
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 42.456m USD | Total Return: 27% in 12m
Avg Turnover: 45.0M
EPS Trend: 95.8%
Qual. Beats: 0
Rev. Trend: 34.3%
Qual. Beats: 1
Warnings
Extended 1w
Tailwinds
Supp Ema20, Idiosyncratic Leader
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: 3.28b 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 13.77%; Δ 38.22% > 0.5%) |
| Asset Turnover: 10.20% > 50% (prev 10.43%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 7.52 > 6 (EBIT 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: 0.07 (Book Value of Equity 25.1b / Total Liabilities 373b) |
| Altman-Z'' = 0.50 = B |
| DSRI: 0.15 (Receivables 6.49b/44.1b, Revenue 39.4b/38.9b) |
| GMI: 0.26 (GM 13.77% / 51.99%) |
| 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 = -4.27 (Cap -4..+1) = AAA |
As of June 22, 2026, the stock is trading at USD 78.95 with a total of 858,300 shares traded.
Over the past week, the price has changed by +4.10%,
over one month by +8.84%,
over three months by +26.23% and
over the past year by +27.02%.
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 | 65.3 | -17.3% |
Market Cap CAD = 60.2b (42.5b USD * 1.4173 USD.CAD)
P/E Trailing = 19.8961
P/E Forward = 13.6612
P/S = 1.2166
P/B = 2.5196
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 = 60.7b CAD (60.2b + Debt 9.32b - CCE 8.82b)
Interest Coverage Ratio = 7.52 (Ebit TTM 4.18b / Interest Expense TTM 556.3m)
EV/FCF = 5.37x (Enterprise Value 60.7b / FCF TTM 11.3b)
FCF Yield = 18.63% (FCF TTM 11.3b / Enterprise Value 60.7b)
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 = 0.15 (Enterprise Value 60.7b / Total Assets 399b)
Interest Expense / Debt = 5.97% (Interest Expense 556.3m / Debt 9.32b)
Taxrate = 20.97% (877.0m / 4.18b)
NOPAT = 3.30b (EBIT 4.18b * (1 - 20.97%))
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 = 7.29% (E(60.2b)/V(69.5b) * Re(7.69%) + D(9.32b)/V(69.5b) * Rd(5.97%) * (1-Tc(0.21)))
Discount Rate = 7.69% (= 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 = 402.1 (EV 223b - Net Debt 500.9m = Equity 223b / Shares 554.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 95.75 | EPS CAGR: 6.79% | 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=1.93 | Chg30d=+0.04% | Revisions=-23% | Analysts=11
EPS next Quarter (2026-09-30): EPS=2.01 | Chg30d=-0.70% | Revisions=-40% | Analysts=11
EPS current Year (2026-12-31): EPS=7.85 | Chg30d=+0.21% | Revisions=-20% | GrowthEPS=+5.4% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=8.53 | Chg30d=+0.21% | Revisions=-43% | GrowthEPS=+8.6% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -43%