58/100B72.940
USD
-0.03
(-0.04%)
Market Closed
Last updated: · Delayed 15 min
Fair value55.17Plus+32%38Price 72.9484
Q4 FY2026 · Earnings report
EPS estimate 1.45Revenue estimate 1.04B
Q4 FY2026 · Earnings report
EPS estimate 1.45Revenue estimate 1.04B
If you had invested in Sun Life Financial ago, it would be worth $2,885 today, against $4,081 in SPY and $6,291 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
58/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Sun Life Financial key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Dividend stock · 8.8/10Growth 1.0 · Value 5.7 · Dividend 8.8
- Day range
- 72.540 – 73.605
- 52-week range
- 57.220 – 84.380
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 40.51B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 19.45
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 9.27
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 3.75
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 3.84%
- EPS growth forecast (FY2026)
- -26.0%
- Volume
- 11,561
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.79
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 66.0/100Environment 61 · Social 68 · Governance 69
- Sector
- Financial Services
- Industry
- Insurance - Diversified
- CEO
- Kevin David Strain
- Employees
- 32K
- Website
- sunlife.com
- IPO date
- 23 Mar 2000
Sun Life Financial earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
1.45 USD
Revenue estimate
1.04B USD
Last quarter · Q3 FY2026
EPS1.47Beat +1.4%Revenue879.98MMissed -10.8%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q1 FY2027 | 0.99 | — | — | -28.14% | 989.99M | — | — | -84.31% | |
| Q4 FY2026 | 1.45 | — | — | +2.84% | 1.04B | — | — | +27.02% | |
| Q3 FY2026 | 1.45 | 1.47 | +1.38% | +8.89% | 986.89M | 879.98M | -10.83% | -90.10% | |
| Q2 FY2026 | 1.39 | 1.46 | +5.04% | +13.18% | 994.33M | 956.03M | -3.85% | -84.61% | |
| Q1 FY2026 | 1.35 | 1.38 | +2.22% | +8.66% | 925.99M | 6.31B | +581.61% | -9.00% | |
| Q4 FY2025 | 1.35 | 1.41 | +4.44% | +17.50% | 973.53M | 819.95M | -15.78% | -32.80% | |
| Q3 FY2025 | 1.30 | 1.35 | +3.85% | +6.30% | 944.53M | 8.89B | +841.20% | -13.59% | |
| Q2 FY2025 | 1.29 | 1.29 | 0.00% | +3.20% | — | 6.21B | — | +13.28% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 4.59 | — | — | +8.83% | 7.91B | — | — | +6.07% |
| FY2027 | 4.22 | — | — | +7.04% | 7.46B | — | — | +15.92% |
| FY2026 | 3.94 | — | — | -25.98% | 6.44B | — | — | -71.84% |
| FY2025 | 3.89 | 5.32 | +36.77% | +10.37% | 6.49B | 22.86B | +252.18% | +2.35% |
| FY2024 | 3.25 | 4.82 | +48.23% | +2.34% | 9.40B | 22.34B | +137.50% | -14.84% |
| FY2023 | 3.56 | 4.71 | +32.23% | -1.67% | 9.63B | 26.23B | +172.49% | +52.09% |
| FY2022 | 3.33 | 4.79 | +43.83% | -0.83% | 15.38B | 17.25B | +12.10% | -39.13% |
Analysts' estimates for FY2026 over the last 7 days:EPS Revenue How the estimates moved
Sun Life Financial analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
88.00 USD
+20.65%
Analysts' 1-year price targets range from 88.00 to 88.00, with an average of 88.00.
Past year
1-year forecast
Strong sellStrong buy
Hold
2 ratings
| Buy | 1 | |
| Hold | 1 | |
| Sell | 0 |
12-month price target
| Highest target | 88.00 |
| Average target | 88.00 |
| Lowest target | 88.00 |
| Current price | 72.94 |
Sun Life Financial valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 19.45
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 18.52
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 1.64
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 2.15
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 7.56
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
40.51B USD
+
Total debt
6.39B USD
−
Cash and short-term investments
20.56B USD
=
Enterprise value
26.35B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
Sun Life Financial against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Rocket Companies, Prudential Financial, American International Group, Ares Management, Ameriprise Financial, and State Street, the US Financial Services companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median19.510.122.3
- Gross marginAbove its median100.0%11.9%118.7%Against its peers: 1 of 7Peers' median 55.9%
- Operating marginBelow its median11.4%10.8%105.7%Against its peers: 5 of 7Peers' median 15.5%
- Net marginLowest in 5 years8.9%8.9%88.2%Against its peers: 4 of 7Peers' median 9.9%
- Return on equityAbove its median14.8%12.2%16.6%Against its peers: 2 of 7Peers' median 10.8%
- Free cash flow marginAbove its median32.3%-5.4%233.2%Against its peers: 3 of 7Peers' median 15.7%
- Revenue growthAbove its median22.3%-90.4%960.2%Against its peers: 3 of 7Peers' median 4.1%
- EPS growthAbove its median16.7%-26.8%63.7%Against its peers: 2 of 6Peers' median 10.0%
- Debt to EBITDAHighest in 5 years3.53×1.74×3.53×Against its peers: 4 of 7Peers' median 2.99×
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Sun Life Financial growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 35.29B CAD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 3.31B CAD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 43.46%
- Operating margin
- 12.96%
- Net margin
- 9.37%
Revenue / Net income
Revenue Net income Net margin
Sun Life Financial revenue breakdown
By product
FY2025
65.1%Health Insurance24.3%Life Insurance10.6%Annuities
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Health Insurance | 15.60B | 65.1% | — |
| Life Insurance | 5.84B | 24.3% | — |
| Annuities | 2.54B | 10.6% | — |
How Sun Life Financial makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue42.17B 100.0%
Gross profit42.17B 100.0%
Other operating expenses37.38B 88.6%
Operating income4.79B 11.4%
Tax1.02B 2.4%
Other expense36.97M 0.1%
Net income3.74B 8.9%
FY2025, in CAD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in CAD. Each band is as wide as its money; the percentage is its share of revenue.
Sun Life Financial dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 2.80 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 3.84%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 91.05%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 11
- Frequency
- Quarterly
- Next payment
- 0.70 USD
- Next ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 25 Nov 2026
- Next payment date
- 31 Dec 2026
Dividends per share
Sun Life Financial financial health
- Cash and short-term investments
- 29.33B CAD
- Total debt
- 9.12B CAD
- Net cash
- 20.21B CAD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 10.07B CAD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 23.85
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 0.34
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 6 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 0.46
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Sun Life Financial ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 45.77%
- Institutional holders
- 515 (+51)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.87%
Who owns the shares
Institutions 45.8% Others 54.2%
As of 30 Jun 2026
Shares free to trade
Free float 554.71M shares ·99.9% Closely held 694.52K shares ·0.1%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: Sun Life Financial
Sector: Financial Services
Industry: Insurance - Diversified
Sun Life Financial is one of the Big Three Canadian life insurers. The Canadian business contributed around 35% of its 2025 adjusted earnings. In that segment, the firm provides health, life insurance, and annuity products to individual and group customers. Its US business is mostly group health and contributed about 17% of the firm's adjusted earnings in 2025. Sun Life also offers life insurance and wealth products in several Asian markets with a strong presence in Hong Kong and the Philippines. The Asia segment contributed around 18% of adjusted 2025 earnings. Its asset management business had around CAD 1.2 trillion in total assets under management or administration at the end of 2025 and represents around30% of the firm's earnings.