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SUN LIFE FINANCIAL INC (SLF) Stock Fundamental Analysis

NYSE:SLF - New York Stock Exchange, Inc. - CA8667961053 - Common Stock

58.4  -0.58 (-0.98%)

Fundamental Rating

4

Taking everything into account, SLF scores 4 out of 10 in our fundamental rating. SLF was compared to 143 industry peers in the Insurance industry. SLF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SLF has a correct valuation and a medium growth rate. Finally SLF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
SLF Yearly Net Income VS EBIT VS OCF VS FCFSLF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B

1.2 Ratios

SLF has a worse Return On Assets (0.99%) than 61.70% of its industry peers.
The Return On Equity of SLF (13.78%) is better than 60.99% of its industry peers.
Industry RankSector 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
SLF Yearly ROA, ROE, ROICSLF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10

1.3 Margins

SLF has a Profit Margin of 10.78%. This is in the better half of the industry: SLF outperforms 63.83% of its industry peers.
In the last couple of years the Profit Margin of SLF has remained more or less at the same level.
With a decent Operating Margin value of 15.55%, SLF is doing good in the industry, outperforming 68.09% of the companies in the same industry.
SLF's Operating Margin has been stable in the last couple of years.
Industry RankSector 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
SLF Yearly Profit, Operating, Gross MarginsSLF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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3

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.
The number of shares outstanding for SLF has been reduced compared to 5 years ago.
Compared to 1 year ago, SLF has a worse debt to assets ratio.
SLF Yearly Shares OutstandingSLF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
SLF Yearly Total Debt VS Total AssetsSLF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B

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.
SLF's Debt to FCF ratio of 1.23 is fine compared to the rest of the industry. SLF outperforms 62.41% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SLF is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.25, SLF is doing good in the industry, outperforming 65.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC6.77%
SLF Yearly LT Debt VS Equity VS FCFSLF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLF Yearly Current Assets VS Current LiabilitesSLF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

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6

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.55% over the past year.
Measured over the past 5 years, SLF shows a small growth in Earnings Per Share. The EPS has been growing by 5.57% on average per year.
Looking at the last year, SLF shows a decrease in Revenue. The Revenue has decreased by -6.21% in the last year.
Measured over the past years, SLF shows a small growth in Revenue. The Revenue has been growing by 2.86% on average per year.
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

The Earnings Per Share is expected to grow by 9.28% on average over the next years. This is quite good.
SLF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 34.24% yearly.
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 5Y34.24%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SLF Yearly Revenue VS EstimatesSLF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B 50B
SLF Yearly EPS VS EstimatesSLF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.67, which indicates a correct valuation of SLF.
Compared to the rest of the industry, the Price/Earnings ratio of SLF is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 28.29, SLF is valued rather cheaply.
The Price/Forward Earnings ratio is 11.11, which indicates a very decent valuation of SLF.
The rest of the industry has a similar Price/Forward Earnings ratio as SLF.
When comparing the Price/Forward Earnings ratio of SLF to the average of the S&P500 Index (24.44), we can say SLF is valued rather cheaply.
Industry RankSector Rank
PE 12.67
Fwd PE 11.11
SLF Price Earnings VS Forward Price EarningsSLF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLF is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.34
EV/EBITDA N/A
SLF Per share dataSLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.81
PEG (5Y)2.27
EPS Next 2Y9.28%
EPS Next 3Y9.28%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.95%, SLF has a reasonable but not impressive dividend return.
SLF's Dividend Yield is rather good when compared to the industry average which is at 2.99. SLF pays more dividend than 81.56% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, SLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.95%

5.2 History

On average, the dividend of SLF grows each year by 9.66%, which is quite nice.
SLF has paid a dividend for at least 10 years, which is a reliable track record.
As SLF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.66%
Div Incr Years6
Div Non Decr Years6
SLF Yearly Dividends per shareSLF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3

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.
SLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.41%
EPS Next 2Y9.28%
EPS Next 3Y9.28%
SLF Yearly Income VS Free CF VS DividendSLF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B 6B
SLF Dividend Payout.SLF Dividend Payout, showing the Payout Ratio.SLF Dividend Payout.PayoutRetained Earnings

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SUN LIFE FINANCIAL INC

NYSE:SLF (1/22/2025, 1:59:32 PM)

58.4

-0.58 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)02-12 2025-02-12/amc
Inst Owners56.49%
Inst Owner Change0.16%
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap33.63B
Analysts75.56
Price Target63.07 (8%)
Short Float %0.27%
Short Ratio2.33
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
Yearly Dividend3.22
Dividend Growth(5Y)9.66%
DP55.41%
Div Incr Years6
Div Non Decr Years6
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)-1.37%
PT rev (3m)9.93%
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 RankSector Rank
PE 12.67
Fwd PE 11.11
P/S 1.47
P/FCF 9.34
P/OCF 9.13
P/B 1.88
P/tB 4.16
EV/EBITDA N/A
EPS(TTM)4.61
EY7.89%
EPS(NY)5.26
Fwd EY9%
FCF(TTM)6.26
FCFY10.71%
OCF(TTM)6.4
OCFY10.96%
SpS39.69
BVpS31.07
TBVpS14.03
PEG (NY)1.81
PEG (5Y)2.27
Profitability
Industry RankSector 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 RankSector 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
WACC6.77%
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 5Y34.24%
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%