Sun Life Valuation

SLF Stock  USD 62.83  0.39  0.62%   
At this time, the company appears to be fairly valued. Sun Life Financial has a current Real Value of $62.07 per share. The regular price of the company is $62.83. Our model measures the value of Sun Life Financial from inspecting the company fundamentals such as Operating Margin of 0.17 %, shares outstanding of 553.8 M, and Return On Equity of 0.12 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Sun Life's valuation include:
Price Book
2.0726
Enterprise Value
35.7 B
Price Sales
1.0212
Forward PE
11.0011
Trailing PE
16.4208
Fairly Valued
Today
62.83
Please note that Sun Life's price fluctuation is very steady at this time. Calculation of the real value of Sun Life Financial is based on 3 months time horizon. Increasing Sun Life's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Sun stock is determined by what a typical buyer is willing to pay for full or partial control of Sun Life Financial. Since Sun Life is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Sun Stock. However, Sun Life's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  62.83 Real  62.07 Target  62.2 Hype  63.38 Naive  63.76
The real value of Sun Stock, also known as its intrinsic value, is the underlying worth of Sun Life Financial Company, which is reflected in its stock price. It is based on Sun Life's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Sun Life's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
62.07
Real Value
69.71
Upside
Estimating the potential upside or downside of Sun Life Financial helps investors to forecast how Sun stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Sun Life more accurately as focusing exclusively on Sun Life's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
1.811.871.85
Details
Hype
Prediction
LowEstimatedHigh
62.3563.3864.41
Details
Potential
Annual Dividend
LowForecastedHigh
1.781.841.89
Details
13 Analysts
Consensus
LowTarget PriceHigh
56.6062.2069.04
Details
When choosing an evaluation method for Sun Life Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.

Sun Life Cash

7.65 Billion

Sun Life Total Value Analysis

Sun Life Financial is at this time expected to have company total value of 35.67 B with market capitalization of 35.22 B, debt of 16.87 B, and cash on hands of 7.83 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Sun Life fundamentals before making security assessment based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
35.67 B
35.22 B
16.87 B
7.83 B

Sun Life Investor Information

About 56.0% of the company shares are owned by institutional investors. The book value of Sun Life was at this time reported as 30.66. The company has Price/Earnings To Growth (PEG) ratio of 0.93. Sun Life Financial last dividend was issued on the 26th of November 2025. Based on the measurements of operating efficiency obtained from Sun Life's historical financial statements, Sun Life Financial is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in February.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.10.11
Significantly Down
Pretty Stable

Sun Life Asset Utilization

The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Sun implies not a very effective usage of assets in January.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Sun Life Profitability Analysis

Based on the measurements of profitability obtained from Sun Life's financial statements, Sun Life Financial may not be well positioned to generate adequate gross income at the present time. It has a very high chance of underperforming in February. Profitability indicators assess Sun Life's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2000-03-31
Previous Quarter
778 M
Current Value
1.2 B
Quarterly Volatility
362.2 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
The current Gross Profit is estimated to decrease to about 5.3 B. The current Pretax Profit Margin is estimated to decrease to 0.10
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.120.13
Significantly Down
Pretty Stable
Operating Profit Margin0.10.11
Significantly Down
Pretty Stable
Pretax Profit Margin0.10.11
Significantly Down
Pretty Stable
For Sun Life profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Sun Life Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Sun Life utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Sun Life's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Sun Life over time as well as its relative position and ranking within its peers.

Sun Life Earnings per Share Projection vs Actual

The next projected EPS of Sun Life is estimated to be 1.87 with future projections ranging from a low of 1.80525 to a high of 1.85. Sun Life's most recent 12-month trailing earnings per share (EPS TTM) is at 3.85. Please be aware that the consensus of earnings estimates for Sun Life Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Sun Life is projected to generate 1.87 in earnings per share on the 31st of December 2025. Sun Life earnings estimates show analyst consensus about projected Sun Life EPS (Earning Per Share). It derives the highest and the lowest estimates based on Sun Life's historical volatility. Many public companies, such as Sun Life, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

Sun Life Earnings Estimation Breakdown

The calculation of Sun Life's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Sun Life is estimated to be 1.87 with the future projection ranging from a low of 1.80525 to a high of 1.85. Please be aware that this consensus of annual earnings estimates for Sun Life Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
1.86
1.81
Lowest
Expected EPS
1.87
1.85
Highest

Sun Life Earnings Projection Consensus

Suppose the current estimates of Sun Life's value are higher than the current market price of the Sun Life stock. In this case, investors may conclude that Sun Life is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Sun Life's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of December 2025Current EPS (TTM)
1594.9%
1.86
1.87
3.85

Sun Life Ownership Allocation

Sun Life Financial shows a total of 553.8 Million outstanding shares. Over half of Sun Life's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that on February 13, 2024, Senator Tommy Tuberville of US Senate acquired $15k to $50k worth of Sun Life Financial's common stock.

Sun Life Profitability Analysis

The company reported the last year's revenue of 34.48 B. Total Income to common stockholders was 4.34 B with profit before taxes, overhead, and interest of 14 B.

Sun Life Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Sun Life's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Sun Life and how it compares across the competition.

About Sun Life Valuation

The stock valuation mechanism determines Sun Life's current worth on a weekly basis. Our valuation model uses a comparative analysis of Sun Life. We calculate exposure to Sun Life's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Sun Life's related companies.
Last ReportedProjected for Next Year
Gross Profit5.6 B5.3 B
Pretax Profit Margin 0.11  0.10 
Operating Profit Margin 0.11  0.10 
Net Profit Margin 0.08  0.08 
Gross Profit Margin 0.13  0.12 
Sun Life's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Sun Life's value is low or high relative to the company's performance and growth projections. Determining the market value of Sun Life can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Sun Life represents a small ownership stake in the entity. As a stockholder of Sun, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Sun Life Dividends Analysis For Valuation

The Sun Life's current Dividends Paid is estimated to increase to about (1.7 B). The current Dividend Yield is estimated to decrease to 0.03. The Sun Life's current Price Earnings To Growth Ratio is estimated to increase to 77.76, while Retained Earnings are projected to decrease to roughly 10.4 B.
Last ReportedProjected for Next Year
Dividends Paid-1.8 B-1.7 B
Dividend Yield 0.04  0.03 
Dividend Payout Ratio 0.56  0.28 
Dividend Paid And Capex Coverage Ratio 1.38  1.31 
There are various types of dividends Sun Life can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Sun shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Sun Life Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Sun pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Sun Life by the value of the dividends paid out.

Sun Life Growth Indicators

Investing in growth stocks can be very risky. If the company such as Sun Life does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding581 M
Quarterly Earnings Growth Y O Y-0.154
Forward Price Earnings11.0011

Sun Life Current Valuation Indicators

Valuation refers to the process of determining the present value of Sun Life Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Sun we look at many different elements of the entity such as Sun's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Sun Life, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Sun Life's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Sun Life's worth.

Complementary Tools for Sun Stock analysis

When running Sun Life's price analysis, check to measure Sun Life's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sun Life is operating at the current time. Most of Sun Life's value examination focuses on studying past and present price action to predict the probability of Sun Life's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sun Life's price. Additionally, you may evaluate how the addition of Sun Life to your portfolios can decrease your overall portfolio volatility.
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