Sun Life provides life insurance, retirement, and asset management products to individuals and corporate customers in Canada, the United States, and Asia. The company's investment management business contributes approximately 30% of its adjusted earnings and has around CAD 1 trillion in assets under management as of the fourth quarter of 2023. The Canada business contributes about 35% of adjusted earnings and provides individual life and health insurance, group insurance, retirement services, and wealth management solutions. The U.S. business contributed approximately 22% of earnings and is mainly focused on providing group insurance products and managing the in-force life insurance policies. Finally, the Asia segment contributes around 13% of earnings.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	1.77
Equity-to-Asset	0.07
Debt-to-Equity	0.27
Debt-to-EBITDA	1.38
Interest Coverage	8
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-9
	3-Year EBITDA Growth Rate	3.5
	3-Year EPS without NRI Growth Rate	5
	3-Year FCF Growth Rate	-8.5
	3-Year Book Growth Rate	-1.3

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	63.68
	9-Day RSI	52.78
	14-Day RSI	47.44
	6-1 Month Momentum %	1.23
	12-1 Month Momentum %	1.68

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.65
	Dividend Payout Ratio	0.49
	3-Year Dividend Growth Rate	10.9
	Forward Dividend Yield %	4.83
	5-Year Yield-on-Cost %	7.3
	Shareholder Yield %	4.99

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	10.92
	FCF Margin %	9.56
	ROE %	14.49
	ROA %	1.03
	ROIC %	1.26
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.68
	Forward PE Ratio	10.25
	PE Ratio without NRI	10.75
	Shiller PE Ratio	13.17
	Price-to-Owner-Earnings	8.53
	PEG Ratio	2.39
	PS Ratio	1.27
	PB Ratio	1.63
	Price-to-Tangible-Book	3.99
	Price-to-Free-Cash-Flow	13.32
	Price-to-Operating-Cash-Flow	12.69
	EV-to-EBIT	7.38
	EV-to-EBITDA	7.38
	EV-to-Revenue	1.1
	EV-to-Forward-Revenue	0.75
	EV-to-FCF	11.5
	Price-to-Projected-FCF	0.83
	Price-to-Median-PS-Value	1.14
	Price-to-Peter-Lynch-Fair-Value	1.71
	Price-to-Graham-Number	1.38
	Earnings Yield (Greenblatt) %	13.55
	FCF Yield %	7.6
	Forward Rate of Return (Yacktman) %	13.37

GF Value: C$72.43

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