SLF Stock Financial Analysis - Sun Life Financial Inc. (TSX) Stock

Overview

Sun Life Financial Inc., headquartered in Toronto, Canada, is a leading international financial services organization providing insurance, wealth, and asset management solutions to individual and corporate clients. The company operates primarily in Canada and the United States, with expanding operations in Asia, notably in markets like China and India. Key projects focus on enhancing digital transformation across its operations to improve customer service and operational efficiency. Sun Life Financial's strategy involves diversifying its business portfolio by integrating its wealth management and insurance products, highlighting a commitment to sustainability through responsible investing, and leveraging technology to pioneer new offerings in the health and wellness sectors, which aims to position the company for long-term global growth and resilience.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Sun Life Financial Inc. as of June 30, 2025 is 34,136.00 MM.
The operating income for Sun Life Financial Inc. as of June 30, 2025 is 5,201.00 MM.
The net income for Sun Life Financial Inc. as of June 30, 2025 is 3,308.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	34,136.00	5,201.00	3,308.00
2025-03-31	33,684.00	5,139.00	3,239.00
2024-12-31	33,103.00	4,950.00	3,129.00
2024-09-30	32,559.00	4,782.00	3,641.00
2024-06-30	31,948.00	4,317.00	3,163.00
2024-03-31	31,407.00	4,208.00	3,177.00
2023-12-31	30,850.00	4,163.00	3,165.00
2023-09-30	30,847.00	4,749.00	3,581.00
2023-06-30	29,699.00	3,779.00	2,820.00
2023-03-31	29,061.00	4,257.00	3,084.00
2022-12-31	27,767.00	4,171.00	2,941.00
2022-09-30	32,958.00	3,972.00	2,866.00
2022-06-30	34,650.00	4,926.00	3,779.00
2022-03-31	40,484.00	4,772.00	3,758.00
2021-12-31	35,688.00	5,098.00	4,035.00
2021-09-30	34,342.00	4,762.00	3,693.00
2021-06-30	35,864.00	4,432.00	3,423.00
2021-03-31	38,381.00	3,915.00	3,043.00
2020-12-31	43,337.00	3,370.00	2,498.00
2020-09-30	40,213.00	3,401.00	2,473.00
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31
2024-09-30	6.12	6.11
2024-06-30	5.29	5.28
2024-03-31	5.29	5.28
2023-12-31	5.27	5.26
2023-09-30	5.97	5.96
2023-06-30	4.68	4.67
2023-03-31	5.14	5.13
2022-12-31	4.90	4.89
2022-09-30	4.74	4.74
2022-06-30	6.29	6.28
2022-03-31	6.25	6.22
2021-12-31	6.71	6.68
2021-09-30	6.15	6.12
2021-06-30	5.70	5.68
2021-03-31	5.05	5.03
2020-12-31	4.11	4.10
2020-09-30	4.06	4.05
2020-06-30	3.93	3.92
2020-03-31	4.05	4.03

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Sun Life Financial Inc. as of June 30, 2025 is 4,270.00 MM.
The cash from investing activities for Sun Life Financial Inc. as of June 30, 2025 is -389.00 MM.
The cash from financing activities for Sun Life Financial Inc. as of June 30, 2025 is -5,169.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	4,270.00	-389.00	-5,169.00
2025-03-31	4,637.00	-433.00	-4,599.00
2024-12-31	2,532.00	-337.00	-3,882.00
2024-09-30	5,323.00	-397.00	-3,502.00
2024-06-30	3,983.00	-460.00	-3,285.00
2024-03-31	3,105.00	-299.00	-3,747.00
2023-12-31	5,612.00	-559.00	-3,086.00
2023-09-30	3,123.00	-444.00	-3,212.00
2023-06-30	3,108.00	-402.00	-1,998.00
2023-03-31	4,802.00	-3,055.00	19.00
2022-12-31	4,311.00	-2,863.00	-71.00
2022-09-30	1,397.00	-2,470.00	1,896.00
2022-06-30	397.00	-2,551.00	718.00
2022-03-31	-1,315.00	-42.00	-59.00
2021-12-31	-1,857.00	-803.00	-260.00
2021-09-30	1,303.00	-1,204.00	-996.00
2021-06-30	3,573.00	-1,588.00	-2,503.00
2021-03-31	6,396.00	-1,602.00	-2,418.00
2020-12-31	7,253.00	-886.00	-2,312.00
2020-09-30	7,713.00	-878.00	-3,681.00
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Sun Life Financial Inc. as of June 30, 2025 is 15.83.
The p/book for Sun Life Financial Inc. as of June 30, 2025 is 1.97.
The p/tbv for Sun Life Financial Inc. as of June 30, 2025 is 5.88.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	15.83	1.97	5.88
2025-03-31	14.85	1.78	4.06
2024-12-31	13.46	1.89	4.17
2024-09-30	14.26	1.83	4.32
2024-06-30	12.23	1.58	3.73
2024-03-31	13.28	1.74	4.24
2023-12-31	10.46	1.66	4.08
2023-09-30
2023-06-30	12.38	1.73	4.26
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31	9.50	1.37	2.13
2021-12-31	10.38	1.39	2.17
2021-09-30	11.19	1.40	2.17
2021-06-30
2021-03-31	12.58	1.49	2.38
2020-12-31	15.32	1.48	2.23
2020-09-30	15.47	1.48	2.22
2020-06-30	15.90	1.50	2.21
2020-03-31	15.41	1.51	2.24

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Sun Life Financial Inc. as of June 30, 2025 is 0.07.
The ebit (3y)/ev for Sun Life Financial Inc. as of June 30, 2025 is 0.07.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.07	0.07
2025-03-31	0.07	0.07
2024-12-31	0.08	0.07
2024-09-30	0.07	0.08
2024-06-30	0.09	0.10
2024-03-31	0.07	0.08
2023-12-31	0.11	0.11
2023-09-30	0.08	0.09
2023-06-30	0.09	0.10
2023-03-31	0.08	0.08
2022-12-31	0.10	0.09
2022-09-30	0.11	0.10
2022-06-30	0.12	0.10
2022-03-31	0.10	0.08
2021-12-31	0.12	0.09
2021-09-30	0.11	0.09
2021-06-30
2021-03-31	0.09	0.09
2020-12-31	0.07	0.08
2020-09-30	0.08	0.08
2020-06-30	0.08	0.08
2020-03-31	0.08	0.08

Management Effectiveness

The roa for Sun Life Financial Inc. as of June 30, 2025 is 0.01.
The roe for Sun Life Financial Inc. as of June 30, 2025 is 0.13.
The roic for Sun Life Financial Inc. as of June 30, 2025 is 0.08.
The croic for Sun Life Financial Inc. as of June 30, 2025 is -0.00.
The ocroic for Sun Life Financial Inc. as of June 30, 2025 is 0.11.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.13	0.08	-0.00	0.11
2025-03-31	0.01	0.13	0.07	-0.03	0.05
2024-12-31	0.01	0.13	0.10	0.03	0.14
2024-09-30	0.01	0.15	0.08	0.01	0.10
2024-06-30	0.01	0.14	0.09	-0.03	0.09
2024-03-31	0.01	0.11	0.07	0.04	0.13
2023-12-31	0.01	0.13	0.12	-0.02	0.10
2023-09-30	0.01	0.11	0.10	0.03	0.10
2023-06-30	0.01	0.12	0.09	0.03	0.09
2023-03-31	0.01	0.12	0.08	0.05	0.11
2022-12-31	0.01	0.12	0.08	0.03	0.04
2022-09-30	0.01	0.12	0.09	0.03	0.04
2022-06-30	0.01	0.14	0.11	-0.04	0.01
2022-03-31	0.01	0.15	0.09	-0.03	-0.03
2021-12-31	0.01	0.14	0.12	-0.09	0.04
2021-09-30	0.01	0.14	0.11	-0.03	0.11
2021-06-30	0.01	0.13	0.10	-0.03	0.11
2021-03-31	0.01	0.12	0.09	0.06	0.20
2020-12-31	0.01	0.10	0.07	0.11	0.19
2020-09-30	0.01	0.10	0.08	0.11	0.25
2020-06-30	0.01	0.10	0.08	0.11	0.15
2020-03-31	0.01	0.10	0.08	0.04	0.13

Gross Margins

The gross margin for Sun Life Financial Inc. as of June 30, 2025 is 0.41.
The net margin for Sun Life Financial Inc. as of June 30, 2025 is 0.10.
The operating margin for Sun Life Financial Inc. as of June 30, 2025 is 0.15.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.41	0.10	0.15
2025-03-31	0.41	0.09	0.15
2024-12-31	0.46	0.11	0.15
2024-09-30	0.46	0.10	0.13
2024-06-30	0.46	0.10	0.13
2024-03-31	0.46	0.10	0.13
2023-12-31	0.61	0.14	0.19
2023-09-30	0.59	0.12	0.16
2023-06-30	0.59	0.12	0.16
2023-03-31	0.62	0.13	0.18
2022-12-31	0.60	0.14	0.18
2022-09-30	0.59	0.14	0.18
2022-06-30	0.41	0.16	0.21
2022-03-31	0.41	0.11	0.14
2021-12-31	0.32	0.11	0.14
2021-09-30	0.29	0.11	0.14
2021-06-30	0.29	0.10	0.12
2021-03-31	0.25	0.08	0.10
2020-12-31	0.20	0.06	0.08
2020-09-30	0.22	0.06	0.08
2020-06-30	0.21	0.06	0.08
2020-03-31	0.25	0.07	0.10

DE:LIE	€48.60
PH:SLF	PHP3,260.00
GB:0VJA
MX:SLF N
US:SLF	US$57.70