Sun Life Financial Inc.
stock CA:SLF (TORONTO)

Alternative ID: CA8667961053

Watch List

  • Exchange: TORONTO
  • Sector: Services
  • Industry: Insurance—Diversified
  • Market Cap: Large (37.07B)
  • Data in CAD
  • EPS: 4.10
  • Current PE: 10.76
  • BVPS: 39.95
  • Price/BVPS: 1.13
  • Dividend: 2.20 / 3.5%
  • Hist Grade: E (17.29)
  • YOY Grade: E (23.05)
  • Debt/FCF: -4.34
  • ROIC: 5.6%
  • PEG: 1.03
  • PEGY: 0.77
  • Value Price: 30.23
  • MOS Price: 15.11
  • MOS %: -33.1%
  • Graham Number: 60.69
  • Graham MOS %: 34.4%
  • IRT: 7.59

Market Price

45.17 

-0.30 -0.7%

as of Mar 22 '23

52 Week Range:

43.53 70.95

Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

  • Exchange: TORONTO
  • Sector: Services
  • Industry: Insurance—Diversified
  • Market Cap: Large (37.07B)
  • Inst. Ownership: 54.36%
  • Insider Ownership: 0.07%
  • Full Time Employees: 23816
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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement


 

Cash Flow Statement


 

Balance Sheet


 

Liquidity Ratios

Current Ratio

 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 24.30
24.24
23.34
26.31
30.39
31.53
32.83
34.38
35.55
38.15
39.95
growth rate -0.3% -3.7% 12.7% 15.5% 3.8% 4.1% 4.7% 3.4% 7.3% 4.7%
Earnings BIT -631.00
1,710.00
2,450.00
2,703.00
3,273.00
3,516.00
2,907.00
3,518.00
3,351.00
3,370.00
5,098.00
growth rate 100.0% 43.3% 10.3% 21.1% 7.4% -17.3% 21.0% -4.8% 0.6% 51.3%
Avg.PE 69.80
11.52
13.50
13.63
10.95
13.49
15.42
13.19
15.10
15.13
11.39
growth rate -83.5% 17.2% 1.0% -19.7% 23.2% 14.3% -14.5% 14.5% 0.2% -24.7%
ROA -0.18
0.70
0.44
0.83
0.93
0.98
0.82
0.93
0.92
0.78
1.18
growth rate 100.0% -37.1% 88.6% 12.1% 5.4% -16.3% 13.4% -1.1% -15.2% 51.3%
ROE -2.03
11.31
6.47
11.20
12.21
12.79
10.81
12.15
12.29
11.09
17.00
growth rate 100.0% -42.8% 73.1% 9.0% 4.8% -15.5% 12.4% 1.2% -9.8% 53.3%
ROIC 0.11
9.29
5.78
9.23
growth rate 8,345.5% -37.8% 59.7%
Leverage 16.48
15.85
13.44
13.44
12.88
13.11
13.41
12.67
14.06
14.54
14.35
growth rate -3.8% -15.2% 0.0% -4.2% 1.8% 2.3% -5.5% 11.0% 3.4% -1.3%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 1,860.00
1,734.00
1,906.00
2,802.00
2,101.00
2,018.00
1,956.00
1,812.00
2,269.00
growth rate -6.8% 9.9% 47.0% -25.0% -4.0% -3.1% -7.4% 25.2%
Acct.Payable 1,366.00
2,118.00
2,470.00
2,739.00
1,972.00
2,045.00
1,830.00
2,438.00
1,866.00
growth rate 55.1% 16.6% 10.9% -28.0% 3.7% -10.5% 33.2% -23.5%
Cur.Assets 64,247.00
74,492.00
82,540.00
86,047.00
85,113.00
86,334.00
93,928.00
110,336.00
109,294.00
growth rate 16.0% 10.8% 4.3% -1.1% 1.4% 8.8% 17.5% -0.9%
Total Assets 218,254.00
225,826.00
199,531.00
223,357.00
246,853.00
258,238.00
269,112.00
271,827.00
297,202.00
323,011.00
345,370.00
growth rate 3.5% -11.6% 11.9% 10.5% 4.6% 4.2% 1.0% 9.3% 8.7% 6.9%
Cash 4,459.00
7,026.00
3,370.00
3,368.00
6,678.00
6,698.00
6,096.00
7,298.00
6,715.00
10,654.00
7,826.00
growth rate 57.6% -52.0% -0.1% 98.3% 0.3% -9.0% 19.7% -8.0% 58.7% -26.5%
Cur.Liabilities 4,947.00
6,277.00
7,014.00
7,601.00
7,015.00
7,110.00
6,961.00
9,170.00
9,180.00
growth rate 26.9% 11.7% 8.4% -7.7% 1.4% -2.1% 31.7% 0.1%
Liabilities 202,610.00
209,280.00
182,177.00
204,485.00
225,435.00
235,870.00
246,141.00
247,257.00
272,694.00
297,149.00
317,297.00
growth rate 3.3% -13.0% 12.3% 10.3% 4.6% 4.4% 0.5% 10.3% 9.0% 6.8%
LT Debt 6,731.00
7,305.00
8,004.00
7,559.00
8,849.00
9,163.00
8,741.00
8,485.00
8,630.00
7,634.00
11,207.00
growth rate 8.5% 9.6% -5.6% 17.1% 3.6% -4.6% -2.9% 1.7% -11.5% 46.8%
Equity 15,644.00
16,546.00
14,851.00
16,615.00
19,161.00
20,111.00
20,714.00
22,313.00
22,232.00
23,580.00
25,775.00
growth rate 5.8% -10.2% 11.9% 15.3% 5.0% 3.0% 7.7% -0.4% 6.1% 9.3%
Common Shares 580.00
604.00
614.00
619.00
618.00
619.00
618.00
8,419.00
8,289.00
8,262.00
8,305.00
growth rate 4.1% 1.7% 0.8% -0.2% 0.2% -0.2% 1,262.3% -1.5% -0.3% 0.5%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 120.00
181.00
67.00
106.00
106.00
131.00
182.00
85.00
114.00
158.00
81.00
growth rate 50.8% -63.0% 58.2% 0.0% 23.6% 38.9% -53.3% 34.1% 38.6% -48.7%
Cash Dividends 679.00
699.00
799.00
886.00
921.00
1,074.00
1,155.00
1,227.00
1,318.00
1,360.00
1,428.00
growth rate 3.0% 14.3% 10.9% 4.0% 16.6% 7.5% 6.2% 7.4% 3.2% 5.0%
Cash From OA 2,714.00
753.00
627.00
1,804.00
4,461.00
3,668.00
1,984.00
3,834.00
2,474.00
7,253.00
-1,857.00
growth rate -72.3% -16.7% 187.7% 147.3% -17.8% -45.9% 93.3% -35.5% 193.2% -100.0%
FCF per Share 8.82
0.94
1.57
2.70
4.29
6.31
4.08
4.10
4.39
12.91
2.06
growth rate -89.3% 67.0% 72.0% 58.9% 47.1% -35.3% 0.5% 7.1% 194.1% -84.0%
Sale Purchase of Stock 97.00
67.00
44.00
39.00
15.00
growth rate -30.9% -34.3% -11.4% -61.5%
FCF 2,594.00
567.00
560.00
1,804.00
4,355.00
3,537.00
1,802.00
3,749.00
2,433.00
7,095.00
-1,938.00
growth rate -78.1% -1.2% 222.1% 141.4% -18.8% -49.1% 108.1% -35.1% 191.6% -100.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 19,830.00
17,559.00
13,874.00
25,764.00
19,274.00
28,573.00
29,334.00
26,997.00
39,679.00
43,337.00
35,688.00
growth rate -11.5% -21.0% 85.7% -25.2% 48.3% 2.7% -8.0% 47.0% 9.2% -17.7%
Op.Income 190.00
1,711.00
2,450.00
2,703.00
3,273.00
3,516.00
2,907.00
3,518.00
3,351.00
3,370.00
5,098.00
growth rate 800.5% 43.2% 10.3% 21.1% 7.4% -17.3% 21.0% -4.8% 0.6% 51.3%
IBT 190.00
1,711.00
2,097.00
2,364.00
2,884.00
3,200.00
2,544.00
3,213.00
3,003.00
3,004.00
4,762.00
growth rate 800.5% 22.6% 12.7% 22.0% 11.0% -20.5% 26.3% -6.5% 0.0% 58.5%
Net Income -270.00
1,674.00
1,060.00
1,873.00
2,285.00
2,581.00
2,242.00
2,616.00
2,713.00
2,498.00
4,035.00
growth rate 100.0% -36.7% 76.7% 22.0% 13.0% -13.1% 16.7% 3.7% -7.9% 61.5%
EPS -0.64
2.59
1.55
2.86
3.55
4.03
3.49
4.14
4.45
4.10
6.69
growth rate 100.0% -40.2% 84.5% 24.1% 13.5% -13.4% 18.6% 7.5% -7.9% 63.2%
Gross Profit 4,136.00
5,793.00
1,726.00
2,077.00
2,389.00
5,542.00
5,263.00
8,304.00
8,644.00
11,447.00
14,481.00
growth rate 40.1% -70.2% 20.3% 15.0% 132.0% -5.0% 57.8% 4.1% 32.4% 26.5%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Earnings BIT 1,187.00
1,288.00
1,260.00
1,251.00
1,128.00
growth rate 8.5% -2.2% -0.7% -9.8%
Balance Sheet Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Acct.Receivable 2,269.00
growth rate
Acct.Payable 1,866.00
growth rate
Cur.Assets 101,974.00
101,971.00
109,294.00
95,711.00
88,407.00
growth rate 0.0% 7.2% -12.4% -7.6%
Total Assets 328,938.00
331,253.00
345,370.00
330,181.00
315,480.00
growth rate 0.7% 4.3% -4.4% -4.5%
Cash 8,823.00
8,329.00
7,826.00
6,758.00
7,594.00
growth rate -5.6% -6.0% -13.7% 12.4%
Cur.Liabilities 92.00
9,180.00
6.00
109.00
growth rate 9,878.3% -99.9% 1,716.7%
Liabilities 301,629.00
303,658.00
317,297.00
302,517.00
287,647.00
growth rate 0.7% 4.5% -4.7% -4.9%
LT Debt 5,591.00
5,431.00
11,207.00
6,626.00
8,412.00
growth rate -2.9% 106.4% -40.9% 27.0%
Equity 24,003.00
25,008.00
25,775.00
25,363.00
25,538.00
growth rate 4.2% 3.1% -1.6% 0.7%
Common Shares 8,285.00
8,294.00
8,305.00
8,306.00
8,306.00
growth rate 0.1% 0.1% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 32.00
21.00
22.00
19.00
growth rate -34.4% 4.8% -13.6%
Cash Dividends 339.00
338.00
412.00
393.00
433.00
growth rate -0.3% 21.9% -4.6% 10.2%
Cash From OA 271.00
885.00
-2,000.00
-471.00
1,983.00
growth rate 226.6% -100.0% 0.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 239.00
864.00
-2,022.00
-490.00
growth rate 261.5% -100.0% 0.0%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 12,669.00
8,510.00
12,995.00
380.00
2,011.00
growth rate -32.8% 52.7% -97.1% 429.2%
Op.Income 1,187.00
1,288.00
1,260.00
1,251.00
1,128.00
growth rate 8.5% -2.2% -0.7% -9.8%
IBT 1,103.00
1,207.00
1,169.00
1,153.00
1,027.00
growth rate 9.4% -3.2% -1.4% -10.9%
Net Income 923.00
1,042.00
1,110.00
876.00
799.00
growth rate 12.9% 6.5% -21.1% -8.8%
EPS
growth rate
Gross Profit 2,790.00
2,835.00
5,996.00
3,374.00
3,328.00
growth rate 1.6% 111.5% -43.7% -1.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (17.29)

YOY Growth Grade:

E (23.05)

Click on buttons above for detailed yearly growth rates.

Market Ratios

  • Dividend Yield: 3.5%

  • Beta: 0.96

    Beta of 0.9572 suggests that the asset is volatile as the rest of the market (fairly priced).

  • PE: 10.76

  • EY: 9.3%

  • PEG: 1.03

    PEG Ratio of 1.03 suggests that stock is reasonably priced.

  • PEGY: 0.77

    PEGY Ratio of 0.77 suggests that stock is underpriced.

  • Price/BVPS: 1.13

Profitability Ratios

  • ROE: 17.0%

    Return on Equity (ROE) of 17.0% suggests that a company is doing well.

  • ROS: 14.3%

    The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.

  • ROA: 1.4%

    Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.

  • ROI: 18.5%

    Return on Investment (ROI) of 18.5% suggests that a company is doing well.

  • ROIC: 5.6%

    Return on Invested Capital (ROIC) of 5.6% suggests that a company may not be able to fund future growth from within.

Liquidity Ratios

  • Current Ratio: 11.91

    Current Ratio of 11.91 suggests that money that could be working for the business is tied up in government securities, cash savings or other safe funds.

  • Quick Ratio: 1.10

    Quick Ratio of 1.10 suggests that a company is doing well.

  • Cash Turnover: 0.36

    Turnover Of Cash Ratio of 0.36 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.

  • Equity Ratio: 7.5%

    Equity Ratio of 7.5% suggests that a company has high financing and debt service costs, not very attractive to investors.

  • Debt/Equity: 1,231.0%

    Debt to Equity Ratio of 1,231.0% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.

  • Debt/FCF: -4.34

    Debt/FCF of -4.34 suggests that a company has a negative Free Cash Flow and probably will not be able to pay off its long term debt.

Efficiency Ratios

  • Avg Collection Period: 23.21

    Average Collection Period of 23.21 days suggests that a company is doing well.

  • Inventory Turnover:

  • Cash Flow Ratio:

  • Profit Margin: 11.3%

Value Price

PE and EPS

Historical Current Forward
PE 15.43 11.02 9.75
EPS / Growth 7.6% 4.10 10.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.2% 8.1% 8.1%
Future PE 9.75 13.76 13.76
Future EPS 7.44 8.89 8.89
Value Price
MOS %		 17.93
-60.3% 		30.23
-33.1% 		30.23
-33.1%
MOS Price 8.97 15.11 15.11
IRT 8.27 7.74 7.74

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

  • Graham Number: 60.69
  • Graham MOS: 34.4%

Price Chart

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