SLF
Sun Life Financial Inc
$80.83
▲ 0.2%Updated Today 3:42 PM ET
SLF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 46/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 20.6% over the last 12 months
Market Cap
$45.71B
P/E
19.08x
Forward P/E (est.)
18.5x
ROE
12.9%
Revenue Growth
2.8%
EPS Growth
3.2%
Profit Margin
9.3%
FCF Yield
—
Debt / Equity
0.86x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.4%
Implied Growth (rev. DCF)
4.6%
Rating Score
46/100
Sun Life Financial Inc (SLF) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $45.71B.
In its latest reported year it generated about $30.59B in revenue and $2.59B in net profit.
Our model rates SLF Neutral (46/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what SLF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. SLF trades near $80.83, above its 50-day average ($73.92) and 200-day average ($65.30). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. SLF's is $1.12 (~1.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month SLF found buyers near $72.95 (support) and sellers near $79.98 (resistance); its 52-week range is $56.22–$79.98. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.4× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
4.1%
Revenue moved from $20.86B in 2016 to $30.59B in 2025, a 4.3% compound annual growth rate. The most recent year was roughly flat (2.8%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
11.9%
Net Margin
8.5%
ROE
12.9%
Sun Life Financial Inc keeps about 9.3% of each sales dollar as net profit. Return on equity is 12.9%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$5.96B
Net Debt
-$1.04B
Net cash position
Net Debt / EBITDA
—
Debt / Equity
0.86x
Leverage: debt-to-equity is 0.9x. That is a moderate, manageable debt load for most businesses. It carries roughly $5.96B of total debt against $7.01B of cash.
Operating CF
$2.04B
Free Cash Flow
$1.94B
FCF Margin
6.3%
In the latest year Sun Life Financial Inc produced about $2.04B of operating cash flow and $1.94B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
3.4%
Per share (latest FY)
$2.57
Total paid (latest FY)
$1.51B
History on record
10 years
dividend uses 78% of free cash flow
58% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
19.08x
P/S
1.78x
P/B
1.9x
EV / EBITDA
—
SLF trades at 19.1x trailing earnings (about 18.5x on estimated forward earnings), 1.8x sales, and 1.9x book value. Reverse-engineering today's price implies the market expects roughly 4.6% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
—
Current price
$80.83
Starting FCF (latest 10-K)
$1.94B
Growth, years 1–5
2.8%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where SLF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How SLF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), SLF ranks #123 of 289 by our overall rating. It trades at a premium versus the sector on earnings (19.1x P/E vs. 15.3x median) with a lower return on equity (12.9% vs. 13.6%) and slower revenue growth (2.8% vs. 15.9%).
P/E vs sector
19.1x
median 15.3x
ROE vs sector
12.9%
median 13.6%
Growth vs sector
2.8%
median 15.9%
Sector rank
#123
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $80.83 today · expected CAGR -7% – 3%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $31.50B | $32.45B | $33.42B | $34.43B | $35.46B |
| Net income | $2.52B | $2.60B | $2.67B | $2.75B | $2.84B |
| EPS | $4.46 | $4.59 | $4.73 | $4.87 | $5.02 |
| Share price (low) | $49.03 | $50.50 | $52.01 | $53.58 | $55.18 |
| Share price (high) | $84.69 | $87.23 | $89.84 | $92.54 | $95.32 |
| CAGR (low–high) | -39% / 5% | -21% / 4% | -14% / 4% | -10% / 3% | -7% / 3% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for SLF:
- Pays a 3.4% dividend on top of any price gains.
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against SLF:
- Revenue growth is slow (2.8%), limiting the upside engine.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Growth risk — sluggish revenue (2.8%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Sun Life Financial Inc is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 19.1x earnings, which our model scores Neutral (46/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 19 Wall Street analysts covering SLF recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+5 pts of buy ratings).
Latest SEC Filings
SLF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
SLF — frequently asked questions
Is SLF a good stock to buy?
We don't give buy or sell advice. Our model rates Sun Life Financial Inc Neutral (46/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is SLF's rating on The Stocks School?
Sun Life Financial Inc currently scores 46/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does SLF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Sun Life Financial Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for SLF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this SLF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell SLF. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.