Sun Life Financial Inc. Logo

Sun Life Financial Inc.

SLF.TO

(2.0)
Stock Price

84,88 CAD

1.02% ROA

14.17% ROE

13.54x PER

Market Cap.

45.223.574.400,00 CAD

29.64% DER

4.06% Yield

9.62% NPM

Sun Life Financial Inc. Stock Analysis

Sun Life Financial Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sun Life Financial Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (43%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (12.59%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.03%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.8x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (807), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Sun Life Financial Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sun Life Financial Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Sun Life Financial Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sun Life Financial Inc. Revenue
Year Revenue Growth
1998 7.582.000.000
1999 14.749.000.000 48.59%
2000 16.206.000.000 8.99%
2001 11.607.000.000 -39.62%
2002 14.223.000.000 18.39%
2003 16.413.000.000 13.34%
2004 21.748.000.000 24.53%
2005 21.918.000.000 0.78%
2006 24.287.000.000 9.75%
2007 21.188.000.000 -14.63%
2008 15.563.000.000 -36.14%
2009 27.572.000.000 43.56%
2010 24.640.000.000 -11.9%
2011 22.581.000.000 -9.12%
2012 17.559.000.000 -28.6%
2013 13.874.000.000 -26.56%
2014 25.764.000.000 46.15%
2015 19.274.000.000 -33.67%
2016 28.573.000.000 32.54%
2017 29.334.000.000 2.59%
2018 26.997.000.000 -8.66%
2019 39.679.000.000 31.96%
2020 43.337.000.000 8.44%
2021 35.690.000.000 -21.43%
2022 23.207.000.000 -53.79%
2023 608.000.000 -3716.94%
2023 32.656.000.000 98.14%
2024 35.668.000.000 8.44%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sun Life Financial Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sun Life Financial Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 2.503.850.670 100%
2001 2.517.365.100 0.54%
2002 2.789.926.800 9.77%
2003 3.097.523.250 9.93%
2004 1.555.198.700 -99.17%
2005 1.733.534.600 10.29%
2006 0 0%
2007 1.886.061.450 100%
2008 1.789.000.000 -5.43%
2009 3.176.000.000 43.67%
2010 3.404.000.000 6.7%
2011 1.874.000.000 -81.64%
2012 1.909.000.000 1.83%
2013 2.372.000.000 19.52%
2014 2.624.000.000 9.6%
2015 2.841.000.000 7.64%
2016 3.394.000.000 16.29%
2017 3.672.000.000 7.57%
2018 3.707.000.000 0.94%
2019 4.090.000.000 9.36%
2020 4.445.000.000 7.99%
2021 5.102.000.000 12.88%
2022 5.107.000.000 0.1%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sun Life Financial Inc. EBITDA
Year EBITDA Growth
1998 115.000.000
1999 299.000.000 61.54%
2000 1.080.000.000 72.31%
2001 820.000.000 -31.71%
2002 320.000.000 -156.25%
2003 1.354.000.000 76.37%
2004 1.885.000.000 28.17%
2005 2.208.000.000 14.63%
2006 2.235.000.000 1.21%
2007 3.129.000.000 28.57%
2008 941.000.000 -232.52%
2009 474.000.000 -98.52%
2010 2.589.000.000 81.69%
2011 -160.000.000 1718.13%
2012 2.374.000.000 106.74%
2013 1.814.000.000 -30.87%
2014 2.859.000.000 36.55%
2015 3.387.000.000 15.59%
2016 3.964.000.000 14.56%
2017 3.301.000.000 -20.08%
2018 4.042.000.000 18.33%
2019 3.607.000.000 -12.06%
2020 3.682.000.000 2.04%
2021 4.992.000.000 26.24%
2022 4.840.000.000 -3.14%
2023 4.684.000.000 -3.33%
2023 3.804.000.000 -23.13%
2024 -208.000.000 1928.85%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sun Life Financial Inc. Gross Profit
Year Gross Profit Growth
1998 7.582.000.000
1999 14.749.000.000 48.59%
2000 16.206.000.000 8.99%
2001 11.607.000.000 -39.62%
2002 14.223.000.000 18.39%
2003 16.413.000.000 13.34%
2004 21.748.000.000 24.53%
2005 21.918.000.000 0.78%
2006 24.287.000.000 9.75%
2007 21.188.000.000 -14.63%
2008 15.563.000.000 -36.14%
2009 27.572.000.000 43.56%
2010 24.640.000.000 -11.9%
2011 22.581.000.000 -9.12%
2012 17.559.000.000 -28.6%
2013 13.874.000.000 -26.56%
2014 25.764.000.000 46.15%
2015 19.274.000.000 -33.67%
2016 28.573.000.000 32.54%
2017 29.334.000.000 2.59%
2018 26.997.000.000 -8.66%
2019 39.679.000.000 31.96%
2020 43.337.000.000 8.44%
2021 35.690.000.000 -21.43%
2022 23.207.000.000 -53.79%
2023 608.000.000 -3716.94%
2023 32.656.000.000 98.14%
2024 35.668.000.000 8.44%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sun Life Financial Inc. Net Profit
Year Net Profit Growth
1998 54.000.000
1999 164.000.000 67.07%
2000 802.000.000 79.55%
2001 796.000.000 -0.75%
2002 377.000.000 -111.14%
2003 1.145.000.000 67.07%
2004 1.694.000.000 32.41%
2005 1.876.000.000 9.7%
2006 2.144.000.000 12.5%
2007 2.290.000.000 6.38%
2008 855.000.000 -167.84%
2009 613.000.000 -39.48%
2010 1.685.000.000 63.62%
2011 -193.000.000 973.06%
2012 1.681.000.000 111.48%
2013 1.055.000.000 -59.34%
2014 1.882.000.000 43.94%
2015 2.300.000.000 18.17%
2016 2.826.000.000 18.61%
2017 2.487.000.000 -13.63%
2018 2.914.000.000 14.65%
2019 2.943.000.000 0.99%
2020 2.781.000.000 -5.83%
2021 4.370.000.000 36.36%
2022 3.024.000.000 -44.51%
2023 3.708.000.000 18.45%
2023 3.343.000.000 -10.92%
2024 2.856.000.000 -17.05%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sun Life Financial Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 2 100%
2001 2 -100%
2002 1 0%
2003 2 100%
2004 3 0%
2005 3 33.33%
2006 4 0%
2007 4 0%
2008 1 -200%
2009 1 0%
2010 2 100%
2011 0 0%
2012 3 100%
2013 2 -100%
2014 3 50%
2015 4 33.33%
2016 4 25%
2017 4 -33.33%
2018 5 25%
2019 4 0%
2020 4 0%
2021 7 33.33%
2022 5 -50%
2023 6 20%
2023 5 0%
2024 4 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sun Life Financial Inc. Free Cashflow
Year Free Cashflow Growth
1998 380.000.000
1999 1.664.000.000 77.16%
2000 2.658.000.000 37.4%
2001 2.068.000.000 -28.53%
2002 4.085.508.800 49.38%
2003 2.972.000.000 -37.47%
2004 2.956.821.800 -0.51%
2005 2.429.601.400 -21.7%
2006 4.469.000.000 45.63%
2007 637.350.500 -601.18%
2008 1.737.000.000 63.31%
2009 3.384.000.000 48.67%
2010 2.864.000.000 -18.16%
2011 2.594.000.000 -10.41%
2012 567.000.000 -357.5%
2013 560.000.000 -1.25%
2014 1.804.000.000 68.96%
2015 4.355.000.000 58.58%
2016 3.537.000.000 -23.13%
2017 1.802.000.000 -96.28%
2018 3.749.000.000 51.93%
2019 2.433.000.000 -54.09%
2020 7.095.000.000 65.71%
2021 -1.938.000.000 466.1%
2022 7.998.000.000 124.23%
2023 1.854.000.000 -331.39%
2023 5.440.000.000 65.92%
2024 2.296.000.000 -136.93%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sun Life Financial Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 380.000.000
1999 1.664.000.000 77.16%
2000 2.658.000.000 37.4%
2001 2.068.000.000 -28.53%
2002 4.313.000.000 52.05%
2003 2.972.000.000 -45.12%
2004 3.230.000.000 7.99%
2005 2.481.000.000 -30.19%
2006 4.469.000.000 44.48%
2007 1.042.000.000 -328.89%
2008 1.737.000.000 40.01%
2009 3.548.000.000 51.04%
2010 2.864.000.000 -23.88%
2011 2.714.000.000 -5.53%
2012 748.000.000 -262.83%
2013 627.000.000 -19.3%
2014 1.804.000.000 65.24%
2015 4.461.000.000 59.56%
2016 3.668.000.000 -21.62%
2017 1.984.000.000 -84.88%
2018 3.834.000.000 48.25%
2019 2.547.000.000 -50.53%
2020 7.253.000.000 64.88%
2021 -1.857.000.000 490.58%
2022 4.311.000.000 143.08%
2023 1.900.000.000 -126.89%
2023 5.612.000.000 66.14%
2024 2.322.000.000 -141.69%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sun Life Financial Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 227.491.200 100%
2003 0 0%
2004 273.178.200 100%
2005 51.398.600 -431.49%
2006 0 0%
2007 404.649.500 100%
2008 0 0%
2009 164.000.000 100%
2010 0 0%
2011 120.000.000 100%
2012 181.000.000 33.7%
2013 67.000.000 -170.15%
2014 0 0%
2015 106.000.000 100%
2016 131.000.000 19.08%
2017 182.000.000 28.02%
2018 85.000.000 -114.12%
2019 114.000.000 25.44%
2020 158.000.000 27.85%
2021 81.000.000 -95.06%
2022 -3.687.000.000 102.2%
2023 46.000.000 8115.22%
2023 172.000.000 73.26%
2024 26.000.000 -561.54%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sun Life Financial Inc. Equity
Year Equity Growth
1998 6.081.000.000
1999 5.878.000.000 -3.45%
2000 6.697.000.000 12.23%
2001 10.763.000.000 37.78%
2002 18.702.000.000 42.45%
2003 17.285.000.000 -8.2%
2004 15.750.000.000 -9.75%
2005 15.596.000.000 -0.99%
2006 17.263.000.000 9.66%
2007 17.315.000.000 0.3%
2008 17.453.000.000 0.79%
2009 17.456.000.000 0.02%
2010 18.413.000.000 5.2%
2011 15.730.000.000 -17.06%
2012 16.751.000.000 6.1%
2013 17.354.000.000 3.47%
2014 18.872.000.000 8.04%
2015 21.418.000.000 11.89%
2016 22.368.000.000 4.25%
2017 22.971.000.000 2.63%
2018 24.570.000.000 6.51%
2019 24.508.000.000 -0.25%
2020 25.862.000.000 5.24%
2021 28.073.000.000 7.88%
2022 29.377.000.000 4.44%
2023 23.767.000.000 -23.6%
2023 24.200.000.000 1.79%
2024 24.701.000.000 2.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sun Life Financial Inc. Assets
Year Assets Growth
1998 93.363.000.000
1999 100.765.000.000 7.35%
2000 104.543.000.000 3.61%
2001 136.677.000.000 23.51%
2002 186.859.000.000 26.86%
2003 174.238.000.000 -7.24%
2004 164.321.000.000 -6.04%
2005 110.866.000.000 -48.22%
2006 117.831.000.000 5.91%
2007 114.291.000.000 -3.1%
2008 119.833.000.000 4.62%
2009 120.082.000.000 0.21%
2010 120.859.000.000 0.64%
2011 218.027.000.000 44.57%
2012 225.782.000.000 3.43%
2013 199.531.000.000 -13.16%
2014 223.357.000.000 10.67%
2015 246.853.000.000 9.52%
2016 258.238.000.000 4.41%
2017 269.112.000.000 4.04%
2018 271.827.000.000 1%
2019 297.202.000.000 8.54%
2020 323.011.000.000 7.99%
2021 345.370.000.000 6.47%
2022 330.906.000.000 -4.37%
2023 313.846.000.000 -5.44%
2023 333.241.000.000 5.82%
2024 344.516.000.000 3.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sun Life Financial Inc. Liabilities
Year Liabilities Growth
1998 87.282.000.000
1999 94.887.000.000 8.01%
2000 97.846.000.000 3.02%
2001 125.914.000.000 22.29%
2002 168.157.000.000 25.12%
2003 156.953.000.000 -7.14%
2004 148.571.000.000 -5.64%
2005 95.270.000.000 -55.95%
2006 100.568.000.000 5.27%
2007 96.976.000.000 -3.7%
2008 102.380.000.000 5.28%
2009 102.626.000.000 0.24%
2010 102.446.000.000 -0.18%
2011 202.297.000.000 49.36%
2012 209.031.000.000 3.22%
2013 182.177.000.000 -14.74%
2014 204.485.000.000 10.91%
2015 225.435.000.000 9.29%
2016 235.870.000.000 4.42%
2017 246.141.000.000 4.17%
2018 247.257.000.000 0.45%
2019 272.694.000.000 9.33%
2020 297.149.000.000 8.23%
2021 317.297.000.000 6.35%
2022 301.529.000.000 -5.23%
2023 9.746.000.000 -2993.87%
2023 309.041.000.000 96.85%
2024 319.815.000.000 3.37%

Sun Life Financial Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
60.14
Net Income per Share
5.78
Price to Earning Ratio
13.54x
Price To Sales Ratio
1.29x
POCF Ratio
5.47
PFCF Ratio
5.53
Price to Book Ratio
1.89
EV to Sales
1.25
EV Over EBITDA
24.78
EV to Operating CashFlow
5.25
EV to FreeCashFlow
5.33
Earnings Yield
0.07
FreeCashFlow Yield
0.18
Market Cap
45,22 Bil.
Enterprise Value
43,62 Bil.
Graham Number
73.38
Graham NetNet
-530.7

Income Statement Metrics

Net Income per Share
5.78
Income Quality
2.39
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
2.32
Ebit per Revenue
0.05
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.05
Pretax Profit Margin
0.12
Net Profit Margin
0.1

Dividends

Dividend Yield
0.04
Dividend Yield %
4.06
Payout Ratio
0.58
Dividend Per Share
3.18

Operating Metrics

Operating Cashflow per Share
14.31
Free CashFlow per Share
14.08
Capex to Operating CashFlow
0.02
Capex to Revenue
0
Capex to Depreciation
0.28
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.23

Balance Sheet

Cash per Share
19,75
Book Value per Share
42,51
Tangible Book Value per Share
17.96
Shareholders Equity per Share
41.38
Interest Debt per Share
13.25
Debt to Equity
0.3
Debt to Assets
0.02
Net Debt to EBITDA
-0.91
Current Ratio
0
Tangible Asset Value
10,43 Bil.
Net Current Asset Value
-305,17 Bil.
Invested Capital
337056000000
Working Capital
14,64 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,00 Bil.
Average Payables
68,22 Bil.
Average Inventory
0
Debt to Market Cap
0.16

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sun Life Financial Inc. Dividends
Year Dividends Growth
2000 0
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 50%
2020 2 0%
2021 2 0%
2022 3 0%
2023 3 33.33%
2024 2 -50%

Sun Life Financial Inc. Profile

About Sun Life Financial Inc.

Sun Life Financial Inc., a financial services company, provides insurance, wealth, and asset management solutions to individuals and corporate clients worldwide. It offers term and permanent life, as well as personal health, dental, critical illness, long-term care, and disability insurance products. The company also provides reinsurance products; investment counselling and portfolio management services; mutual funds and segregated funds; trust and banking services; real estate property brokerage and appraisal services; and merchant banking services. It distributes its products through direct sales agents, managing and independent general agents, financial intermediaries, broker-dealers, banks, pension and benefits consultants, and other third-party marketing organizations. The company was founded in 1871 and is headquartered in Toronto, Canada.

CEO
Mr. Daniel Richard Fishbein
Employee
30.941
Address
1 York Street
Toronto, M5J 0B6

Sun Life Financial Inc. Executives & BODs

Sun Life Financial Inc. Executives & BODs
# Name Age
1 Mr. Jacques Goulet Jr.
President of Sun Life Canada
70
2 Mr. Timothy Deacon
Executive Vice President & Chief Financial Officer
70
3 Mr. Daniel Richard Fishbein
President of Sun Life U.S.
70

Sun Life Financial Inc. Competitors