SLF Stock Analysis: Sun Life Financial | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 44.704m USD | 12M Return: 39.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 39.0M
EPS Trend: 5.0%
Qual. Beats: 0
Rev. Trend: 34.1%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
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 1.49 > 1.0 |
| NWC/Revenue: 146.7% < 20% (prev 180.1%; Δ -33.39% < -1%) |
| CFO/TA 0.03 > 3% & CFO 11.4b > Net Income 3.28b |
| Net Debt (-18.4b) to EBITDA (4.39b): -4.19 < 3 |
| Current Ratio: 4.86 > 1.5 & < 3 |
| Outstanding Shares: last quarter (572.6m) vs 12m ago -0.41% < -2% |
| Gross Margin: 38.51% > 18% (prev 13.77%; Δ 24.74% > 0.5%) |
| Asset Turnover: 10.20% > 50% (prev 10.43%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 7.88 > 6 (EBIT TTM 4.39b / Interest Expense TTM 556.3m) |
| A: 0.14 (Total Current Assets 72.6b - Total Current Liabilities 15.0b) / Total Assets 398b |
| B: 0.03 (Retained Earnings 12.8b / Total Assets 398b) |
| C: 0.01 (EBIT TTM 4.39b / Avg Total Assets 386b) |
| D: 0.07 (Book Value of Equity 25.8b / Total Liabilities 372b) |
| Altman-Z'' = 1.20 = BB |
| DSRI: 1.01 (Receivables 45.0b/44.1b, Revenue 39.3b/38.9b) |
| GMI: 0.36 (GM 13.77% / 38.51%) |
| AQI: 1.01 (AQ_t 0.81 / AQ_t-1 0.80) |
| SGI: 1.01 (Revenue 39.3b / 38.9b) |
| TATA: -0.02 (NI 3.28b - CFO 11.4b) / TA 398b) |
| Beneish M = -3.59 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 82.93 with a total of 308,174 shares traded. Over the past week, the price has changed by +2.83%, over one month by +6.20%, over three months by +18.43% and over the past year by +39.86%.
Current recommended Stop Loss: 79.50 (which is 4.1% or 2.8 ATR below the current price).
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 | 69 | -16.8% |
Market Cap CAD = 62.9b (44.7b USD * 1.4075 USD.CAD)
P/E Trailing = 21.622
P/E Forward = 14.881
P/S = 1.281
P/B = 2.734
P/EG = 1.5806
Revenue TTM = 39.3b CAD
EBIT TTM = 4.39b CAD
EBITDA TTM = 4.39b CAD
Long Term Debt = 8.37b CAD (from longTermDebt, last quarter)
Short Term Debt = 1.83b CAD (from shortTermDebt, last fiscal year)
Debt = 9.30b CAD (from shortLongTermDebtTotal, last quarter) + Leases 924.0m
Net Debt = -18.4b CAD (calculated: Debt 9.30b - CCE 27.7b)
Enterprise Value = 44.5b CAD (62.9b + Debt 9.30b - CCE 27.7b)
Interest Coverage Ratio = 7.88 (Ebit TTM 4.39b / Interest Expense TTM 556.3m)
EV/FCF = 3.94x (Enterprise Value 44.5b / FCF TTM 11.3b)
FCF Yield = 25.37% (FCF TTM 11.3b / Enterprise Value 44.5b)
FCF Margin = 28.74% (FCF TTM 11.3b / Revenue TTM 39.3b)
Net Margin = 8.34% (Net Income TTM 3.28b / Revenue TTM 39.3b)
Gross Margin = 38.51% ((Revenue TTM 39.3b - Cost of Revenue TTM 24.2b) / Revenue TTM)
Gross Margin QoQ = 40.21% (prev none%)
Tobins Q-Ratio = 0.11 (Enterprise Value 44.5b / Total Assets 398b)
Interest Expense / Debt = 5.98% (Interest Expense 556.3m / Debt 9.30b)
Taxrate = 20.97% (876.7m / 4.18b)
NOPAT = 3.47b (EBIT 4.39b * (1 - 20.97%))
Current Ratio = 4.86 (Total Current Assets 72.6b / Total Current Liabilities 15.0b)
Debt / Equity = 0.36 (Debt 9.30b / totalStockholderEquity, last quarter 25.8b)
Debt / EBITDA = -4.19 (Net Debt -18.4b / EBITDA 4.39b)
Debt / FCF = -1.63 (Net Debt -18.4b / FCF TTM 11.3b)
Total Stockholder Equity = 25.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 3.28b / Total Assets 398b)
RoE = 12.89% (Net Income TTM 3.28b / Total Stockholder Equity 25.5b)
RoCE = 12.96% (EBIT 4.39b / Capital Employed (Equity 25.5b + L.T.Debt 8.37b))
RoIC = 0.88% (NOPAT 3.47b / Invested Capital 396b)
WACC = 7.29% (E(62.9b)/V(72.2b) * Re(7.67%) + D(9.30b)/V(72.2b) * Rd(5.98%) * (1-Tc(0.21)))
Discount Rate = 7.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.78 | Cagr: -0.89%
[DCF] Terminal Value 77.97% ; FCFF base≈8.80b ; Y1≈10.1b ; Y5≈14.8b
[DCF] Fair Price = 436.2 (EV 223b - Net Debt -18.4b = Equity 242b / Shares 554.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 5.04 | EPS CAGR: 0.38% | SUE: 0.0 | # QB: 0
Revenue Correlation: 34.08 | Revenue CAGR: 3.94% | SUE: 1.10 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.94 | Chg30d=+0.77% | Revisions=-25% | Analysts=12
EPS next Quarter (2026-09-30): EPS=2.02 | Chg30d=+0.59% | Revisions=-44% | Analysts=10
EPS current Year (2026-12-31): EPS=7.94 | Chg30d=+1.07% | Revisions=+0% | GrowthEPS=+6.6% | GrowthRev=+2.1%
EPS next Year (2027-12-31): EPS=8.52 | Chg30d=-0.07% | Revisions=+17% | GrowthEPS=+7.3% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -26% (up=7, down=13)