Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Sun Life Financial Inc. is a leading international financial services organization known primarily for its array of insurance and asset management solutions. This Canadian company offers a spectrum of services including life insurance, health insurance, and wealth management to individuals and corporate clients. With deep roots established since 1865, Sun Life operates across North America, Asia, and other global markets, delivering financial security to millions of clients. The firm is recognized for its commitment to sustainable investing and providing clients with the tools to ensure a secure financial future. Sun Life's operations impact key sectors such as healthcare and financial planning, integrating cutting-edge digital innovations to enhance client experience and streamline service delivery. In the broader financial landscape, Sun Life Financial plays a significant role as a trusted provider of risk management tools and investment vehicles, fostering financial well-being and aiding in wealth accumulation.
C$110.10
+C$0.08 (+0.07%)
EOD Jun 25, 2026 · Twelve Data
Net margin is thin at 9.84%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 11.5% YoY.
At 20x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
19.6x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
C$35.87B
▲ +11.5% YoY
Net Income (TTM)
C$3.30B
▲ +14.6% YoY
Net Margin
9.21%
P/E
19.6x
Balance Sheet
Total Assets
C$398.45B
Equity
C$25.49B
Total Debt
C$18.79B
Cash & Equiv.
C$27.93B
3Y CAGR: +229.4%
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At a P/E of 19.6 and a price-to-free-cash-flow of 11.8, Sun Life Financial (SLF) trades below a two-stage DCF intrinsic value of about C$208.87 per share, so at C$110.10 the stock looks undervalued (89.7% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Sun Life Financial scores 71/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about C$208.87 per share for SLF, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around C$156.65. At today's C$110.10, that puts the stock about 89.7% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Sun Life Financial scores 71 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Sun Life Financial pays a regular dividend of about C$3.75 per share per year (typically in quarterly installments), a yield of roughly 3.4% at the current price. That is a payout ratio of about 63.5% of earnings, so the dividend is well covered. Sun Life Financial has grown the dividend at roughly 9.6% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SLF's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. SLF currently trades below its estimated intrinsic value and scores 71/100 on quality (solid). It also yields about 3.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.