Sun Life Financials

SLF Stock  CAD 93.94  0.30  0.32%   
Financial data analysis helps to confirm if markets are presently mispricing Sun Life. We were able to analyze and collect data for thirty-five available drivers for Sun Life Financial, which can be compared to its competition. The stock experiences a normal upward fluctuation. Check odds of Sun Life to be traded at C$98.64 in 90 days.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Sun Life Balance Sheet Chart

At this time, Sun Life's Cash And Short Term Investments are very stable compared to the past year. As of the 15th of February 2026, Short Term Investments is likely to grow to about 19.2 B, while Total Assets are likely to drop about 234.8 B.
Key indicators impacting Sun Life's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.540.52
Sufficiently Up
Slightly volatile
Operating Income2.6 B4.8 B
Way Down
Slightly volatile
Current Ratio0.981.03
Notably Down
Slightly volatile
  

Sun Life Stock Summary

Sun Life competes with Great West, Manulife Financial, Intact Financial, Toronto-Dominion, and Power. Sun Life Financial Inc., a financial services company, provides insurance, wealth, and asset management solutions to individuals and corporate clients in the United States, the United Kingdom, Canada, and internationally. The company was founded in 1871 and is headquartered in Toronto, Canada. SUN LIFE operates under InsuranceDiversified classification in Canada and is traded on Toronto Stock Exchange. It employs 22719 people.
Foreign Associates
Specialization
Financial Services, Insurance - Diversified
InstrumentCanada Stock View All
ExchangeToronto Exchange
ISINCA8667961053
Business Address1 York Street,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.sunlife.com
Phone416 979 9966
CurrencyCAD - Canadian Dollar
You should never invest in Sun Life without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Sun Stock, because this is throwing your money away. Analyzing the key information contained in Sun Life's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Sun Life Key Financial Ratios

Sun Life's financial ratios allow both analysts and investors to convert raw data from Sun Life's financial statements into concise, actionable information that can be used to evaluate the performance of Sun Life over time and compare it to other companies across industries.

Sun Life Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets345.4B330.9B333.2B370.7B398.5B234.8B
Net Debt(2.1B)2.2B2.1B4.9B8.2B8.6B
Other Assets217.3B216.3B(4.4B)345.6B3.8B3.6B
Total Liab317.3B301.5B309.0B344.6B373.0B214.0B
Total Current Assets14.5B14.9B29.9B25.1B28.9B22.4B
Cash12.3B11.2B11.2B10.1B9.7B8.1B
Good Will6.5B8.7B9.0B9.5B9.5B6.6B
Intangible Assets3.4B4.7B5.2B5.1B5.2B5.4B
Retained Earnings15.7B16.8B12.2B12.6B12.9B11.8B
Other Current Liab(2.4B)(5.0B)(4.8B)23.1B26.6B27.9B
Accounts Payable1.9B2.6B2.5B2.6B2.1B2.3B
Other Current Assets5.4B7.5B19.7B(5.4B)(6.2B)(5.9B)
Short Term Debt574M2.3B2.3B2.3B4.7B4.9B
Net Receivables2.3B3.7B2.4B2.8B3.9B2.4B
Common Stock10.6B10.6B8.3B8.2B10.2B10.1B
Other Liab256.2B279.6B296.2B275.2B316.5B259.4B
Net Tangible Assets14.3B15.0B15.9B13.6B15.7B14.9B
Long Term Debt8.8B11.9B10.0B11.8B16.0B9.9B
Short Long Term Debt574M2.3B2.3B2.3B1.8B1.9B
Long Term Debt Total11.3B12.9B12.8B14.6B17.0B11.6B
Inventory(20.4B)(19.6B)(16.9B)(19.7B)(17.7B)(18.6B)

Sun Life Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense327M445M552M664M526M361.9M
Total Revenue35.7B3.4B36.4B34.5B35.1B25.7B
Gross Profit14.7B4.1B4.3B4.8B5.6B8.1B
Operating Income5.1B3.6B3.9B4.3B4.8B2.6B
Ebit5.4B4.1B4.5B4.3B5.0B2.8B
Ebitda5.9B4.6B4.5B5.0B5.8B6.0B
Cost Of Revenue21.0B(642M)32.0B29.6B34.1B17.1B
Income Before Tax5.1B3.6B3.9B4.3B4.8B2.6B
Net Income4.4B3.0B3.3B3.2B3.7B2.1B
Income Tax Expense727M546M461M1.0B1.2B1.3B
Tax Provision727M713M461M1.0B1.0B684.8M
Interest Income5.3B18.2B4.3B4.3B3.3B4.9B
Net Interest Income(327M)(445M)(552M)(664M)(526M)(552.3M)
Minority Interest2M(56M)(126M)(128M)(37M)(38.9M)
Extraordinary Items(1M)(10M)92M51M(12M)(11.4M)

Sun Life Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(3.0B)1.7B1.8B(1.2B)(355M)(337.3M)
Free Cash Flow(1.9B)8.0B5.4B2.4B2.7B3.0B
Depreciation406M438M528M598M687.7M722.1M
Other Non Cash Items(9.5B)12.0B(6.8B)(4.2B)(4.2B)(4.0B)
Capital Expenditures81M3.7B172M143M145M259.2M
Net Income5.1B3.9B3.9B4.3B4.8B2.5B
End Period Cash Flow7.7B9.4B11.2B10.0B9.6B6.9B
Dividends Paid1.4B1.7B1.9B2.0B(2.1B)(2.0B)
Investments(29M)(2.9B)(444M)(337M)(303.3M)(318.5M)
Net Borrowings1.3B1.9B(610M)(496M)1.5B1.6B
Change To Netincome(12.0B)(10.8B)(8.8B)12.8B14.7B15.5B

Sun Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Sun Life's current stock value. Our valuation model uses many indicators to compare Sun Life value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Sun Life competition to find correlations between indicators driving Sun Life's intrinsic value. More Info.
Sun Life Financial is rated fourth in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Sun Life Financial is roughly  16.35 . At this time, Sun Life's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all model that can be used if you cannot value Sun Life by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Sun Life's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

Sun Life Financial Total Assets Over Time

Most indicators from Sun Life's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Sun Life Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Sun Life Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
At this time, Sun Life's Sales General And Administrative To Revenue is very stable compared to the past year. As of the 15th of February 2026, Enterprise Value Over EBITDA is likely to grow to 13.82, while Selling General Administrative is likely to drop about 3.7 B.
 2023 2024 2025 2026 (projected)
Total Revenue36.4B34.5B35.1B25.7B
Interest Expense552M664M526M361.9M

Sun Life fundamental ratios Correlations

0.750.92-0.010.450.180.370.45-0.521.00.530.470.210.110.770.780.72-0.140.7-0.160.330.430.080.450.420.61
0.750.690.50.78-0.160.330.77-0.220.750.840.770.560.030.560.810.93-0.050.6-0.070.680.39-0.150.850.770.72
0.920.69-0.130.290.330.60.26-0.620.910.370.27-0.040.230.750.630.62-0.340.71-0.340.180.460.180.310.290.54
-0.010.5-0.130.66-0.410.00.650.60.00.610.550.64-0.01-0.370.280.39-0.04-0.24-0.080.66-0.02-0.420.660.670.38
0.450.780.290.66-0.35-0.020.950.30.460.950.940.890.030.320.740.840.20.340.160.870.34-0.410.910.940.63
0.18-0.160.33-0.41-0.350.22-0.45-0.270.17-0.39-0.45-0.510.420.11-0.07-0.22-0.230.17-0.18-0.250.160.02-0.5-0.25-0.05
0.370.330.60.0-0.020.220.01-0.430.350.09-0.1-0.340.240.08-0.080.09-0.9-0.02-0.9-0.010.250.17-0.040.03-0.06
0.450.770.260.650.95-0.450.010.220.460.990.980.93-0.040.30.720.820.180.260.130.860.29-0.330.90.920.52
-0.52-0.22-0.620.60.3-0.27-0.430.22-0.510.110.160.410.14-0.6-0.12-0.130.21-0.480.20.21-0.14-0.280.150.230.02
1.00.750.910.00.460.170.350.46-0.510.550.480.230.10.770.790.72-0.120.69-0.150.350.430.060.450.430.61
0.530.840.370.610.95-0.390.090.990.110.550.970.88-0.020.380.740.860.120.340.070.880.33-0.360.920.940.55
0.470.770.270.550.94-0.45-0.10.980.160.480.970.93-0.060.430.770.870.320.40.280.830.3-0.30.920.90.55
0.210.56-0.040.640.89-0.51-0.340.930.410.230.880.93-0.150.180.630.690.470.170.430.790.12-0.360.810.830.41
0.110.030.23-0.010.030.420.24-0.040.140.1-0.02-0.06-0.15-0.040.03-0.02-0.280.06-0.28-0.050.190.19-0.080.120.19
0.770.560.75-0.370.320.110.080.3-0.60.770.380.430.18-0.040.720.690.240.910.240.150.480.190.380.240.48
0.780.810.630.280.74-0.07-0.080.72-0.120.790.740.770.630.030.720.930.340.740.310.520.470.010.750.650.82
0.720.930.620.390.84-0.220.090.82-0.130.720.860.870.69-0.020.690.930.220.710.20.640.47-0.070.880.760.74
-0.14-0.05-0.34-0.040.2-0.23-0.90.180.21-0.120.120.320.47-0.280.240.340.220.351.00.13-0.11-0.070.240.120.23
0.70.60.71-0.240.340.17-0.020.26-0.480.690.340.40.170.060.910.740.710.350.360.190.370.130.440.280.64
-0.16-0.07-0.34-0.080.16-0.18-0.90.130.2-0.150.070.280.43-0.280.240.310.21.00.360.08-0.12-0.050.20.070.2
0.330.680.180.660.87-0.25-0.010.860.210.350.880.830.79-0.050.150.520.640.130.190.080.14-0.730.820.960.47
0.430.390.46-0.020.340.160.250.29-0.140.430.330.30.120.190.480.470.47-0.110.37-0.120.140.070.320.290.42
0.08-0.150.18-0.42-0.410.020.17-0.33-0.280.06-0.36-0.3-0.360.190.190.01-0.07-0.070.13-0.05-0.730.07-0.36-0.57-0.11
0.450.850.310.660.91-0.5-0.040.90.150.450.920.920.81-0.080.380.750.880.240.440.20.820.32-0.360.890.71
0.420.770.290.670.94-0.250.030.920.230.430.940.90.830.120.240.650.760.120.280.070.960.29-0.570.890.59
0.610.720.540.380.63-0.05-0.060.520.020.610.550.550.410.190.480.820.740.230.640.20.470.42-0.110.710.59
Click cells to compare fundamentals

Sun Life Account Relationship Matchups

Sun Life fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets345.4B330.9B333.2B370.7B398.5B234.8B
Net Debt(2.1B)2.2B2.1B4.9B8.2B8.6B
Other Assets217.3B216.3B(4.4B)345.6B3.8B3.6B
Total Liab317.3B301.5B309.0B344.6B373.0B214.0B
Total Current Assets14.5B14.9B29.9B25.1B28.9B22.4B
Cash12.3B11.2B11.2B10.1B9.7B8.1B
Good Will6.5B8.7B9.0B9.5B9.5B6.6B
Intangible Assets3.4B4.7B5.2B5.1B5.2B5.4B
Retained Earnings15.7B16.8B12.2B12.6B12.9B11.8B
Other Current Liab(2.4B)(5.0B)(4.8B)23.1B26.6B27.9B
Accounts Payable1.9B2.6B2.5B2.6B2.1B2.3B
Other Current Assets5.4B7.5B19.7B(5.4B)(6.2B)(5.9B)
Short Term Debt574M2.3B2.3B2.3B4.7B4.9B
Net Receivables2.3B3.7B2.4B2.8B3.9B2.4B
Common Stock10.6B10.6B8.3B8.2B10.2B10.1B
Other Liab256.2B279.6B296.2B275.2B316.5B259.4B
Net Tangible Assets14.3B15.0B15.9B13.6B15.7B14.9B
Long Term Debt8.8B11.9B10.0B11.8B16.0B9.9B
Short Long Term Debt574M2.3B2.3B2.3B1.8B1.9B
Long Term Debt Total11.3B12.9B12.8B14.6B17.0B11.6B
Inventory(20.4B)(19.6B)(16.9B)(19.7B)(17.7B)(18.6B)
Today, most investors in Sun Life Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Sun Life's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Sun Life growth as a starting point in their analysis.

Price Earnings To Growth Ratio

77.76

At this time, Sun Life's Price Earnings To Growth Ratio is very stable compared to the past year.

Sun Life February 15, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Sun Life help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Sun Life Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Sun Life Financial based on widely used predictive technical indicators. In general, we focus on analyzing Sun Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Sun Life's daily price indicators and compare them against related drivers.
When determining whether Sun Life Financial is a strong investment it is important to analyze Sun Life's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Sun Life's future performance. For an informed investment choice regarding Sun Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Sun Life Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.
Please note, there is a significant difference between Sun Life's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sun Life is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Sun Life's market price signifies the transaction level at which participants voluntarily complete trades.