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Sun Life Financial Inc. (SLF.TO)
CAD111.00
-2.18 (-1.93%)
CA TSX Financial Services Insurance - Diversified
Address
1 York Street M5J 0B6
Toronto, ON, CA
Toronto, ON, CA
CEO
Timothy Deacon
Website
sunlife.com
IPO
2000-03-23
ISIN CA8667961053
Also trades on
London Stock Exchange · 0VJA.L (CAD)
New York Stock Exchange · SLF (USD)
Other OTC · SLFIF (USD)
Other OTC · SUNFF (USD)
Toronto Stock Exchange · SLF.TO (CAD)
Description
Sun Life Financial Inc. is a venerable financial services enterprise that delivers a comprehensive suite of insurance, wealth management, and asset management solutions to a diverse global clientele, encompassing both individuals and corporate entities. Its extensive insurance portfolio features term and permanent life coverage, alongside personal health, dental, critical illness, long-term care, and disability protection. The company further extends its offerings to include reinsurance products, expert investment counselling, meticulous portfolio management services, a variety of mutual and segregated funds, as well as trust and banking facilities, real estate brokerage and appraisal, and merchant banking. Sun Life distributes its myriad products through an expansive network comprising direct sales personnel, managing and independent general agents, various financial intermediaries, broker-dealers, banking institutions, pension and benefits consultants, and other third-party marketing organizations. Established in 1871, its corporate headquarters are located in Toronto, Canada.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
CAD111.00
-2.18 (-1.93%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.83
Float Shares
553.71M
Free Float %
100.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.42% | +1.94% | +5.84% | +2.99% | +17.05% | +12.92% | +11.19% | +45.88% | +48.96% | +122.52% | +591.07% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (17 ratings, all time)
Hold
Price Targets & DCF
Current price
111.00
DCF (Unlevered)
467.62
+321.3%
DCF (Levered)
381.63
+243.8%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
53% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 6 | 0 |
| Hold | 5 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 2 | 0 |
Quality scores
Altman Z-Score
0.31
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%+11.5% Q1'26: -21.9% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+16.7% Q1'26: -48.8% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+19.1% Q1'26: +46.3% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+13.9% ★ Q1'26: +9.0% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+28.3% ★ Q1'26: +10.4% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%-2.8% ★ Q1'26: -2.6% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×3.53× ★ Q1'26: 2.63× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 10 EPS Ana. |
Dec 2027 1 Rev. Ana. 10 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
27.57B
est: 28.75B (-4.1%)
|
24.80B
est: 27.52B (-9.9%)
|
19.83B
est: 23.19B (-14.5%)
|
17.56B
est: 20.44B (-14.1%)
|
13.87B
est: 14.28B (-2.8%)
|
25.76B
est: 24.46B (+5.3%)
|
19.27B
est: 18.63B (+3.5%)
|
28.57B
est: 32.16B (-11.2%)
|
29.33B
est: 27.38B (+7.1%)
|
26.97B
est: 25.26B (+6.8%)
|
39.68B
est: 40.43B (-1.9%)
|
43.34B
est: 41.44B (+4.6%)
|
35.69B
est: 29.60B (+20.6%)
|
3.43B
est: 21.06B (-83.7%)
|
36.35B
est: 31.95B (+13.8%)
|
34.48B
est: 13.54B (+154.6%)
|
38.45B
est: 8.91B (+331.3%)
|
9.93B
9.93B – 9.93B
+11.4% YoY
|
10.32B
10.32B – 10.32B
+3.9% YoY
|
10.79B
10.79B – 10.79B
+4.5% YoY
|
| EBITDA |
580.00M
est: 338.89M (+71.1%)
|
2.37B
est: -309.13M (+867.0%)
|
720.00M
est: 1.36B (-47.1%)
|
2.19B
est: -946.54M (+331.8%)
|
2.57B
est: 1.06B (+141.2%)
|
2.86B
est: 1.69B (+69.4%)
|
3.39B
est: 1.69B (+100.7%)
|
3.96B
est: 4.49B (-11.7%)
|
3.30B
est: 2.38B (+38.4%)
|
4.04B
est: 2.54B (+59.4%)
|
3.94B
est: 4.72B (-16.5%)
|
4.05B
est: 9.86B (-59.0%)
|
5.86B
est: 9.60B (-38.9%)
|
4.60B
est: 10.18B (-54.8%)
|
4.48B
est: 10.04B (-55.4%)
|
5.00B
est: 4.26B (+17.6%)
|
5.32B
est: 2.80B (+90.1%)
|
3.12B
3.12B – 3.12B
+11.4% YoY
|
3.24B
3.24B – 3.24B
+3.9% YoY
|
3.39B
3.39B – 3.39B
+4.5% YoY
|
| EBIT |
498.00M
est: 2.07B (-75.9%)
|
2.33B
est: 476.61M (+388.9%)
|
620.00M
est: 2.12B (-70.8%)
|
2.08B
est: -173.62M (+1,296.9%)
|
2.45B
est: 1.45B (+68.4%)
|
2.71B
est: 4.19B (-35.3%)
|
3.22B
est: 2.24B (+43.5%)
|
3.76B
est: 5.61B (-33.0%)
|
3.09B
est: 2.87B (+7.9%)
|
3.82B
est: 3.14B (+21.4%)
|
3.57B
est: 5.62B (-36.6%)
|
3.64B
est: -3.50B (+204.1%)
|
5.42B
est: -3.41B (+259.3%)
|
4.07B
est: -3.61B (+212.8%)
|
4.48B
est: 9.96B (-55.0%)
|
5.00B
est: 4.22B (+18.5%)
|
5.32B
est: 2.78B (+91.6%)
|
3.10B
3.10B – 3.10B
+11.4% YoY
|
3.22B
3.22B – 3.22B
+3.9% YoY
|
3.36B
3.36B – 3.36B
+4.5% YoY
|
| Net Income |
622.00M
est: 1.96B (-68.3%)
|
1.51B
est: 595.29M (+153.2%)
|
-254.00M
est: 1.42B (-117.9%)
|
1.68B
est: -170.09M (+1,088.3%)
|
1.06B
est: 1.17B (-10.2%)
|
1.88B
est: 1.81B (+4.1%)
|
2.30B
est: 1.56B (+47.5%)
|
2.83B
est: 4.01B (-29.5%)
|
2.49B
est: 2.15B (+15.5%)
|
2.91B
est: 2.53B (+15.2%)
|
2.94B
est: 4.29B (-31.4%)
|
2.78B
est: 2.90B (-4.1%)
|
4.37B
est: 2.82B (+54.9%)
|
3.02B
est: 2.93B (+3.2%)
|
3.34B
est: 2.99B (+11.7%)
|
3.17B
est: 3.81B (-16.8%)
|
3.75B
est: 4.15B (-9.7%)
|
4.29B
3.93B – 4.65B
+3.3% YoY
|
4.67B
4.22B – 5.12B
+9.0% YoY
|
5.23B
5.23B – 5.23B
+11.9% YoY
|
| SGA |
4.84B
est: 5.85B (-17.3%)
|
3.51B
est: 2.84B (+23.7%)
|
1.73B
est: 2.65B (-34.7%)
|
1.91B
est: 2.87B (-33.5%)
|
2.37B
est: 1.79B (+32.7%)
|
2.62B
est: 5.39B (-51.4%)
|
2.84B
est: 2.91B (-2.4%)
|
3.39B
est: 6.70B (-49.3%)
|
3.67B
est: 3.46B (+6.2%)
|
3.71B
est: 4.93B (-24.8%)
|
4.09B
est: 7.29B (-43.9%)
|
4.45B
est: 5.33B (-16.7%)
|
5.10B
est: 5.19B (-1.7%)
|
5.11B
est: 5.50B (-7.2%)
|
—
est: 10.43B (-100.0%)
|
—
est: 4.42B (-100.0%)
|
—
est: 2.91B (-100.0%)
|
3.24B
3.24B – 3.24B
+11.4% YoY
|
3.37B
3.37B – 3.37B
+3.9% YoY
|
3.52B
3.52B – 3.52B
+4.5% YoY
|
| EPS |
0.95
est: 1.42 (-33.3%)
|
2.48
est: 2.72 (-8.9%)
|
-0.33
est: -0.01 (-3,167.3%)
|
2.62
est: 2.50 (+4.8%)
|
1.56
est: 2.69 (-42.1%)
|
2.88
est: 3.12 (-7.8%)
|
3.57
est: 3.56 (+0.4%)
|
4.05
est: 3.84 (+5.6%)
|
3.51
est: 4.11 (-14.6%)
|
4.81
est: 4.79 (+0.4%)
|
4.42
est: 5.10 (-13.3%)
|
4.11
est: 5.38 (-23.5%)
|
6.73
est: 6.10 (+10.3%)
|
4.90
est: 6.12 (-20.0%)
|
5.28
est: 5.29 (-0.1%)
|
5.29
est: 6.73 (-21.4%)
|
6.17
est: 7.33 (-15.8%)
|
7.90
6.94 – 8.21
+7.8% YoY
|
8.59
7.46 – 9.05
+8.7% YoY
|
9.24
9.24 – 9.24
+7.6% YoY
|
Recent Grade Changes (3M)
| Date | Firm | Previous | New Grade | Action |
|---|---|---|---|---|
| 2026-05-11 | RBC Capital | Sector Perform | Sector Perform | Maintain |
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-14 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
7.04B
OE per share TTM
12.54
Owner's Yield
13.19%
Maintenance CapEx ratio
23.81%
Maint CapEx / Avg PPE
4.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
167.6K
Shares Outstanding
553.87M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Kevin David Strain | President, Chief Executive Officer & Director | 3M | male |
| Manjit Singh | President of Sun Life Asia | 3M | male |
| Sin Yin Tan | President of Sun Life Canada | 3M | female |
| Timothy Deacon | Executive Vice President & Chief Financial Officer | 2M | male |
| Helena Janina Pagano | Executive Vice President and Chief People & Culture Officer | — | female |
| Larry Richard Madge | Senior Vice President of Financial & Insurance Risk Management | — | male |
| Laura Ann Money | Executive Vice President and Chief Information & Technology Innovation Officer | — | female |
| Dawn Lai | Director of Compliance | — | female |
| Maya Beri | SVP & Chief Information Officer | — | female |
| Melissa Jane Kennedy | Executive Vice President and Chief Legal Officer & Public Policy Officer | — | female |
| Michael Joyce | Executive Vice President of Sales | — | — |
| Natalie Brady | Senior Vice President of Capital Management & Investor Relations | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for SLF.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
