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Company Analysis

Sun Life Financial Inc. SLF

A comprehensive view of key metrics, scores, and financial health for Sun Life Financial Inc.

Overview of Sun Life Financial Inc.

SLF NYQ
Financial Services Insurance - Diversified Large Cap
Sun Life Financial Inc. (SLF), is a Large Cap company, in the Insurance - Diversified industry, last closed at $70.70, about 38.0% overvalued vs fair value, +19.5% 1Y return, ranked 764/1037 in sector.
Metrics P/E 9.6× Rev Growth 11.5% ROE 14.6% Div Yield 5.92%
$70.70
0.69%
As of April 28, 2026
Previous close • Vol 90d: 19.6%
52-Week Range
Market Cap
$39.15B
Enterprise Value
$48.26B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 75%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.sunlife.com
HQ Toronto, ON
Employees 32,151
Fiscal year Dec 31

Next Events

Earnings May 6 Call: May 7

Fair Value Snapshot

Bear Base Bull
$24
$44
$82
Current: $70.70 -38% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$38.4B
11.5%%
Acquisition & Admin Expenses
$-5.1B
Underwriting Result
$5.3B
6.4%%
Net Income
$3.7B
18.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Expense Ratio
13.3%
Excellent

Admin & Acquistion Expenses / Revenue — operational efficiency; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.8B
100.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Sun Life Financial Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Weak
13
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SLF's balance between Growth (45.2%), Profitability (21.4%), and Safety (33.4%). Growth 45% Safety 33% Profitability 21%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

64th percentile vs peers
65
Key Signals
Rev Growth YoY 11.5% 73p Revenue CAGR 3Y 1.24 96p EPS Growth YoY 22.0% 75p Asset Growth YoY 7.5% 65p Equity Growth YoY -3.3% 3p
Strengths
  • Revenue CAGR 3Y in top 20% of peers (1.24, 96th percentile)
  • Financial Leverage in top 20% of peers (15.77, 80th percentile)
  • Growth above peer median with strong metric coverage (100%)
  • D/E Ratio in top 20% of peers (74.5%, 96th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (-3.3%)

Profitability

30th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Sun Life Financial Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$43.85
- - -
-38.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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