SUN LIFE FINANCIAL INC (SLF.CA)
CA8667961053 - Common Stock
Taking everything into account, SLF scores 4 out of 10 in our fundamental rating. SLF was compared to 84 industry peers in the Insurance industry. SLF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SLF is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SLF had positive earnings in the past year.
SLF had a positive operating cash flow in the past year.
Each year in the past 5 years SLF has been profitable.
Of the past 5 years SLF 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SLF (0.99%) is comparable to the rest of the industry.
SLF has a Return On Equity of 13.78%. This is in the better half of the industry: SLF outperforms 68.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 13.78% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)0.93%
ROE(3y)13.43%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SLF (10.78%) is better than 69.88% of its industry peers.
In the last couple of years the Profit Margin of SLF has remained more or less at the same level.
SLF has a better Operating Margin (15.55%) than 61.45% of its industry peers.
SLF's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.55% | ||
| PM (TTM) | 10.78% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y0.4%
PM growth 3Y14.63%
PM growth 5Y1.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SLF does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLF has less shares outstanding than it did 1 year ago.
SLF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SLF has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SLF is 1.23, which is an excellent value as it means it would take SLF, only 1.23 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.23, SLF perfoms like the industry average, outperforming 51.81% of the companies in the same industry.
SLF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.25, SLF belongs to the best of the industry, outperforming 81.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.55% over the past year.
The Earnings Per Share has been growing slightly by 5.57% on average over the past years.
SLF shows a decrease in Revenue. In the last year, the revenue decreased by -6.21%.
The Revenue has been growing slightly by 2.86% on average over the past years.
EPS 1Y (TTM)4.55%
EPS 3Y5.09%
EPS 5Y5.57%
EPS Q2Q%10.69%
Revenue 1Y (TTM)-6.21%
Revenue growth 3Y-5.19%
Revenue growth 5Y2.86%
Sales Q2Q%9.43%
3.2 Future
Based on estimates for the next years, SLF will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.28% on average per year.
Based on estimates for the next years, SLF will show a very strong growth in Revenue. The Revenue will grow by 33.69% on average per year.
EPS Next Y6.99%
EPS Next 2Y9.28%
EPS Next 3Y9.28%
EPS Next 5YN/A
Revenue Next Year6.29%
Revenue Next 2Y5.98%
Revenue Next 3Y4.79%
Revenue Next 5Y33.69%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.84 indicates a correct valuation of SLF.
Based on the Price/Earnings ratio, SLF is valued more expensive than 91.57% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.48, SLF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.26, the valuation of SLF can be described as reasonable.
SLF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLF is more expensive than 69.88% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.73, SLF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.84 | ||
| Fwd PE | 11.26 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLF is valued more expensive than 89.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SLF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.84
PEG (5Y)2.31
EPS Next 2Y9.28%
EPS Next 3Y9.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.96%, SLF has a reasonable but not impressive dividend return.
SLF's Dividend Yield is comparable with the industry average which is at 4.26.
Compared to an average S&P500 Dividend Yield of 2.33, SLF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
5.2 History
On average, the dividend of SLF grows each year by 9.66%, which is quite nice.
SLF has been paying a dividend for at least 10 years, so it has a reliable track record.
SLF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.66%
Div Incr Years10
Div Non Decr Years24
5.3 Sustainability
55.41% of the earnings are spent on dividend by SLF. This is a bit on the high side, but may be sustainable.
The dividend of SLF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP55.41%
EPS Next 2Y9.28%
EPS Next 3Y9.28%
SUN LIFE FINANCIAL INC
TSX:SLF (1/3/2025, 7:00:00 PM)
85.54
+0.62 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.49%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap49.26B
Analysts75.56
Price Target90.61 (5.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Dividend Growth(5Y)9.66%
DP55.41%
Div Incr Years10
Div Non Decr Years24
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.41%
Min EPS beat(2)2.73%
Max EPS beat(2)8.08%
EPS beat(4)3
Avg EPS beat(4)1.56%
Min EPS beat(4)-10.16%
Max EPS beat(4)8.08%
EPS beat(8)6
Avg EPS beat(8)1.9%
EPS beat(12)9
Avg EPS beat(12)2.72%
EPS beat(16)12
Avg EPS beat(16)2.35%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.95%
PT rev (3m)16.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.45%
EPS NY rev (1m)0%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.84 | ||
| Fwd PE | 11.26 | ||
| P/S | 1.49 | ||
| P/FCF | 9.47 | ||
| P/OCF | 9.25 | ||
| P/B | 1.91 | ||
| P/tB | 4.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.66
EY7.79%
EPS(NY)7.6
Fwd EY8.88%
FCF(TTM)9.04
FCFY10.56%
OCF(TTM)9.24
OCFY10.81%
SpS57.35
BVpS44.89
TBVpS20.27
PEG (NY)1.84
PEG (5Y)2.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 13.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.55% | ||
| PM (TTM) | 10.78% | ||
| GM | N/A | ||
| FCFM | 15.76% |
ROA(3y)1%
ROA(5y)0.93%
ROE(3y)13.43%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.57%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5Y0.4%
PM growth 3Y14.63%
PM growth 5Y1.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.36% | ||
| Interest Coverage | 13.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 146.14% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.87%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.55%
EPS 3Y5.09%
EPS 5Y5.57%
EPS Q2Q%10.69%
EPS Next Y6.99%
EPS Next 2Y9.28%
EPS Next 3Y9.28%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.21%
Revenue growth 3Y-5.19%
Revenue growth 5Y2.86%
Sales Q2Q%9.43%
Revenue Next Year6.29%
Revenue Next 2Y5.98%
Revenue Next 3Y4.79%
Revenue Next 5Y33.69%
EBIT growth 1Y14.68%
EBIT growth 3YN/A
EBIT growth 5Y3.27%
EBIT Next Year7.55%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y278.47%
FCF growth 3Y-8.47%
FCF growth 5Y7.73%
OCF growth 1Y281.03%
OCF growth 3Y-8.19%
OCF growth 5Y7.92%