(SLF) Sun Life Financial - Overview
Exchange: NYSE •
Country: Canada •
Currency: USD •
Type: Common Stock •
ISIN: CA8667961053
Stock: Insurance, Investments, Asset Management, Wealth Planning, Health Coverage
Total Rating 38
Risk 56
Buy Signal -0.11
| Risk 5d forecast | |
|---|---|
| Volatility | 18.2% |
| Relative Tail Risk | -3.73% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.67 |
| Alpha | 5.35 |
| Character TTM | |
|---|---|
| Beta | 0.496 |
| Beta Downside | 0.787 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.91% |
| CAGR/Max DD | 1.12 |
EPS (Earnings per Share)
Revenue
Description: SLF Sun Life Financial February 27, 2026
Sun Life Financial Inc. (NYSE: SLF) is a diversified financial-services group headquartered in Toronto, offering life and health insurance, wealth-management, and asset-management solutions across North America, Europe, and Asia-Pacific. Its product suite spans term and permanent life policies, health-care benefits, critical-illness and disability coverage, as well as mutual funds, segregated funds, annuities, and institutional pension portfolios.
In its most recent fiscal year (2024), Sun Life reported revenue of **$13.5 billion**, net income of **$1.2 billion**, and earnings per share of **$0.85**, supporting a dividend yield near **5.3 %**. The insurer’s combined ratio improved to **96.5 %**, reflecting tighter underwriting, while assets under management grew to **$1.2 trillion**. Key sector drivers include an aging demographic in Canada and the United States, which is expanding demand for life-insurance and retirement products, and a low-interest-rate environment that is pressuring traditional investment income but spurring growth in annuity and guaranteed-investment sales.
For deeper insight, you might explore ValueRay’s detailed valuation models.
Headlines to watch out for
- Global interest rate fluctuations impact investment income
- Insurance claims experience affects profitability
- Asset management growth drives fee revenue
- Regulatory changes influence product offerings
- Economic downturns reduce wealth management demand
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 3.74b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: 38.57% < 20% (prev 82.25%; Δ -43.67% < -1%) |
| CFO/TA 0.02 > 3% & CFO 6.93b > Net Income 3.74b |
| Net Debt (12.36b) to EBITDA (5.32b): 2.32 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (572.6m) vs 12m ago -1.44% < -2% |
| Gross Margin: 31.21% > 18% (prev 0.15%; Δ 3.11k% > 0.5%) |
| Asset Turnover: 10.89% > 50% (prev 9.30%; Δ 1.59% > 0%) |
| Interest Coverage Ratio: 2.91 > 6 (EBITDA TTM 5.32b / Interest Expense TTM 525.9m) |
Altman Z'' 0.46
| A: 0.04 (Total Current Assets 16.14b - Total Current Liabilities 0.0) / Total Assets 398.13b |
| B: 0.03 (Retained Earnings 12.92b / Total Assets 398.13b) |
| C: 0.00 (EBIT TTM 1.53b / Avg Total Assets 384.43b) |
| D: 0.06 (Book Value of Equity 22.19b / Total Liabilities 372.66b) |
| Altman-Z'' Score: 0.46 = B |
Beneish M -2.56
| DSRI: 1.94 (Receivables 6.47b/2.75b, Revenue 41.86b/34.48b) |
| GMI: 0.48 (GM 31.21% / 15.02%) |
| AQI: 1.04 (AQ_t 0.96 / AQ_t-1 0.92) |
| SGI: 1.21 (Revenue 41.86b / 34.48b) |
| TATA: -0.01 (NI 3.74b - CFO 6.93b) / TA 398.13b) |
| Beneish M-Score: -2.56 (Cap -4..+1) = A |
What is the price of SLF shares?
As of March 24, 2026, the stock is trading at USD 63.15 with a total of 463,468 shares traded.
Over the past week, the price has changed by -1.08%, over one month by -1.16%, over three months by +2.07% and over the past year by +14.81%.
Over the past week, the price has changed by -1.08%, over one month by -1.16%, over three months by +2.07% and over the past year by +14.81%.
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.
- StrongBuy: 4
- Buy: 5
- Hold: 3
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the SLF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 66.6 | 5.4% |
| Analysts Target Price | 66.6 | 5.4% |
SLF Fundamental Data Overview March 22, 2026
Market Cap CAD = 47.33b (34.44b USD * 1.3743 USD.CAD)
P/E Trailing = 13.8549
P/E Forward = 10.8108
P/S = 0.9873
P/B = 1.9793
P/EG = 0.8745
Revenue TTM = 41.86b CAD
EBIT TTM = 1.53b CAD
EBITDA TTM = 5.32b CAD
Long Term Debt = 16.03b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.39b CAD (from shortTermDebt, last quarter)
Debt = 22.04b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.36b CAD (from netDebt column, last quarter)
Enterprise Value = 62.18b CAD (47.33b + Debt 22.04b - CCE 7.19b)
Interest Coverage Ratio = 2.91 (Ebit TTM 1.53b / Interest Expense TTM 525.9m)
EV/FCF = 9.17x (Enterprise Value 62.18b / FCF TTM 6.78b)
FCF Yield = 10.90% (FCF TTM 6.78b / Enterprise Value 62.18b)
FCF Margin = 16.20% (FCF TTM 6.78b / Revenue TTM 41.86b)
Net Margin = 8.95% (Net Income TTM 3.74b / Revenue TTM 41.86b)
Gross Margin = 31.21% ((Revenue TTM 41.86b - Cost of Revenue TTM 28.79b) / Revenue TTM)
Gross Margin QoQ = none% (prev 12.73%)
Tobins Q-Ratio = 0.16 (Enterprise Value 62.18b / Total Assets 398.13b)
Interest Expense / Debt = 0.60% (Interest Expense 132.9m / Debt 22.04b)
Taxrate = 28.06% (315.7m / 1.13b)
NOPAT = 1.10b (EBIT 1.53b * (1 - 28.06%))
Current Ratio = unknown (Total Current Assets 16.14b / Total Current Liabilities 0.0)
Debt / Equity = 0.90 (Debt 22.04b / totalStockholderEquity, last quarter 24.51b)
Debt / EBITDA = 2.32 (Net Debt 12.36b / EBITDA 5.32b)
Debt / FCF = 1.82 (Net Debt 12.36b / FCF TTM 6.78b)
Total Stockholder Equity = 25.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 3.74b / Total Assets 398.13b)
RoE = 14.79% (Net Income TTM 3.74b / Total Stockholder Equity 25.33b)
RoCE = 3.70% (EBIT 1.53b / Capital Employed (Equity 25.33b + L.T.Debt 16.03b))
RoIC = 3.34% (NOPAT 1.10b / Invested Capital 33.01b)
WACC = 5.41% (E(47.33b)/V(69.37b) * Re(7.73%) + D(22.04b)/V(69.37b) * Rd(0.60%) * (1-Tc(0.28)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.01%
[DCF] Terminal Value 85.09% ; FCFF base≈6.44b ; Y1≈5.74b ; Y5≈4.83b
[DCF] Fair Price = 240.3 (EV 145.48b - Net Debt 12.36b = Equity 133.12b / Shares 553.9m; r=6.0% [WACC]; 5y FCF grow -13.51% → 3.0% )
EPS Correlation: 68.01 | EPS CAGR: 8.57% | SUE: 0.33 | # QB: 0
Revenue Correlation: 58.68 | Revenue CAGR: 110.5% | SUE: 0.16 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.95 | Chg7d=+0.027 | Chg30d=+0.013 | Revisions Net=+3 | Analysts=12
EPS current Year (2026-12-31): EPS=7.90 | Chg7d=-0.017 | Chg30d=+0.038 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+2.1%
EPS next Year (2027-12-31): EPS=8.61 | Chg7d=-0.056 | Chg30d=+0.010 | Revisions Net=+4 | Growth EPS=+9.0% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: +0.43 (5 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.7% (Discount Rate 7.9% - Earnings Yield 7.2%)
[Growth] Growth Spread = -0.7% (Analyst 0.0% - Implied 0.7%)
P/E Trailing = 13.8549
P/E Forward = 10.8108
P/S = 0.9873
P/B = 1.9793
P/EG = 0.8745
Revenue TTM = 41.86b CAD
EBIT TTM = 1.53b CAD
EBITDA TTM = 5.32b CAD
Long Term Debt = 16.03b CAD (from longTermDebt, last quarter)
Short Term Debt = 2.39b CAD (from shortTermDebt, last quarter)
Debt = 22.04b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.36b CAD (from netDebt column, last quarter)
Enterprise Value = 62.18b CAD (47.33b + Debt 22.04b - CCE 7.19b)
Interest Coverage Ratio = 2.91 (Ebit TTM 1.53b / Interest Expense TTM 525.9m)
EV/FCF = 9.17x (Enterprise Value 62.18b / FCF TTM 6.78b)
FCF Yield = 10.90% (FCF TTM 6.78b / Enterprise Value 62.18b)
FCF Margin = 16.20% (FCF TTM 6.78b / Revenue TTM 41.86b)
Net Margin = 8.95% (Net Income TTM 3.74b / Revenue TTM 41.86b)
Gross Margin = 31.21% ((Revenue TTM 41.86b - Cost of Revenue TTM 28.79b) / Revenue TTM)
Gross Margin QoQ = none% (prev 12.73%)
Tobins Q-Ratio = 0.16 (Enterprise Value 62.18b / Total Assets 398.13b)
Interest Expense / Debt = 0.60% (Interest Expense 132.9m / Debt 22.04b)
Taxrate = 28.06% (315.7m / 1.13b)
NOPAT = 1.10b (EBIT 1.53b * (1 - 28.06%))
Current Ratio = unknown (Total Current Assets 16.14b / Total Current Liabilities 0.0)
Debt / Equity = 0.90 (Debt 22.04b / totalStockholderEquity, last quarter 24.51b)
Debt / EBITDA = 2.32 (Net Debt 12.36b / EBITDA 5.32b)
Debt / FCF = 1.82 (Net Debt 12.36b / FCF TTM 6.78b)
Total Stockholder Equity = 25.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 3.74b / Total Assets 398.13b)
RoE = 14.79% (Net Income TTM 3.74b / Total Stockholder Equity 25.33b)
RoCE = 3.70% (EBIT 1.53b / Capital Employed (Equity 25.33b + L.T.Debt 16.03b))
RoIC = 3.34% (NOPAT 1.10b / Invested Capital 33.01b)
WACC = 5.41% (E(47.33b)/V(69.37b) * Re(7.73%) + D(22.04b)/V(69.37b) * Rd(0.60%) * (1-Tc(0.28)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.01%
[DCF] Terminal Value 85.09% ; FCFF base≈6.44b ; Y1≈5.74b ; Y5≈4.83b
[DCF] Fair Price = 240.3 (EV 145.48b - Net Debt 12.36b = Equity 133.12b / Shares 553.9m; r=6.0% [WACC]; 5y FCF grow -13.51% → 3.0% )
EPS Correlation: 68.01 | EPS CAGR: 8.57% | SUE: 0.33 | # QB: 0
Revenue Correlation: 58.68 | Revenue CAGR: 110.5% | SUE: 0.16 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.95 | Chg7d=+0.027 | Chg30d=+0.013 | Revisions Net=+3 | Analysts=12
EPS current Year (2026-12-31): EPS=7.90 | Chg7d=-0.017 | Chg30d=+0.038 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+2.1%
EPS next Year (2027-12-31): EPS=8.61 | Chg7d=-0.056 | Chg30d=+0.010 | Revisions Net=+4 | Growth EPS=+9.0% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: +0.43 (5 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.7% (Discount Rate 7.9% - Earnings Yield 7.2%)
[Growth] Growth Spread = -0.7% (Analyst 0.0% - Implied 0.7%)