Sun Life Financial Inc. (SLF) AI Stock Analysis

Headquartered in Toronto, Canada, Sun Life Financial Inc. is a global financial services organization founded in 1871. The company specializes in products and services designed to enhance financial security and well-being. Its offerings span life insurance, personal health, dental, critical illness, long-term care, and disability insurance. Sun Life also provides savings, retirement, and pension products, alongside financial advice and asset management. Additionally, the company is engaged in mutual fund management and investment advisory services, focusing on core competencies in insurance, retirement planning, and investment solutions rather than cryptocurrencies.

Sun Life Financial generated $42.17B in revenue during FY2025, representing growth of 22.3%, up from $34.48B in FY2024 and $32.66B in FY2023. Annual net income reached $3.74B in FY2025 with a net margin of 8.9% and diluted EPS of $6.42, following net income of $3.17B and EPS of $6.66 in FY2024. Over the 5-year period from FY2020 to FY2025, revenue CAGR was -0.5%. Over the trailing twelve months, revenue was $35.53B with a net profit margin of 9.5% and an operating margin of 15.8%. For the latest quarter ended June 30, 2026, quarterly revenue grew 7.5% year-over-year while quarterly earnings expanded 43.2%.

As of June 30, 2026, Sun Life held $29.66B in cash and short-term investments against total debt of $9.12B, resulting in net cash of $20.54B. Shareholders' equity was $26.56B with total assets of $425.33B, a current ratio of 27.38, and a debt-to-equity ratio of 0.34. In FY2025, operating cash flow reached $13.75B and free cash flow was $13.60B. The company deployed cash toward $144.9M in capital expenditures, $1.71B in share buybacks, and $2.06B in dividends paid, with a 5-year share count change of -5.3%.

Trading at $79.35 as of October 16, 2026, Sun Life trades at a trailing P/E of 18.5x and a forward P/E of 13.1x, compared to medians of 12.1x and 10.8x among its US-listed Financial Services peers. The stock has a price-to-sales ratio of 1.2x, below the peer group median of 3.2x, and a price-to-book ratio of 2.6x. Over the past year, Sun Life returned 35.4%, outpacing the S&P 500 return of 16.8%. Over a 5-year span, the stock gained 75.6% versus an 83.0% return for the S&P 500.

Sun Life pays a quarterly dividend with an annualized forward payout of $2.71 per share, representing a dividend yield of 3.41%. The company maintains a payout ratio of 40.7% and has paid dividends for 27 consecutive years. Its 5-year annualized dividend growth rate is 8.8%, and its most recent ex-dividend date was August 26, 2026.

Wall Street coverage includes 4 Strong Buy, 2 Buy, 6 Hold, and 2 Sell ratings. The mean price target is $64.49, which sits 18.7% below the last close of $79.35. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $8.02 on revenue of $28.37B. A total of 13 analysts covering the next fiscal year project EPS of $8.64 and revenue of $29.79B. The company beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Sun Life Financial Inc. (SLF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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