Sun Life Financial Inc. (SLF): price, analyst ratings, earnings and fundamentals
Updated 16 September 2026, 08:02 ET
Sun Life Financial Inc. (SLF) closed at $80.53 on 15 September 2026, up 0.4%. The stock is down 1.0% over one month and up 36.0% over one year. It trades 4.6% below its 52-week high of $84.38. Analysts recorded 2 actions in the last 90 days; the median price target of $104 is 28.5% above the last close. The company last reported on 6 August 2026 for Q2 2026: EPS of $1.46 against an estimate of $1.39, a beat of 5.0%, on revenue of $10.1 billion.
Price and performance
Performance figures use dividend and split adjusted closes over trading sessions, so a one-year move compares the last close with the close 252 sessions earlier. The 52-week range uses the adjusted daily highs and lows of the same window. Read the guide: Momentum, trend and technical indicators.
The live chart with technical indicators is in the app: open SLF in FundSpec.
Analyst ratings
Over the last 90 days FundSpec recorded 2 analyst actions on SLF from 2 firms: 2 maintained or reiterated a view. Price targets were 2 raised. The two most recent targets on file are $88 and $119, 28.5% above the last close.
| Date | Firm | Action | Price target |
|---|---|---|---|
| 3 Sep 2026 | Argus Research | Maintains Buy | $81.00 to $88.00 |
| 10 Aug 2026 | RBC Capital | Maintains Sector Perform | $98.00 to $119.00 |
| 11 May 2026 | RBC Capital | Maintains Sector Perform | $95.00 to $98.00 |
| 10 Nov 2025 | RBC Capital | Downgrades to Sector Perform from Outperform | $84.00 |
| 12 May 2025 | RBC Capital | Maintains Outperform | $82.00 to $88.00 |
| 10 Aug 2023 | Credit Suisse | Maintains Outperform | $79.00 to $77.00 |
| 12 May 2020 | CFRA | Maintains Hold | $52.00 to $38.00 |
| 14 Feb 2020 | CFRA | Maintains Hold | $48.00 to $52.00 |
| 1 Jul 2019 | Argus Research | Maintains Buy | $42.00 to $45.00 |
| 14 Mar 2019 | CIBC | Downgrades to Underperform from Neutral | $53.00 to $54.00 |
A price target is one firm's twelve-month view, and the median across firms is a steadier reading than any single call. Upgrades and downgrades matter more when they change a rating, not only a target. Read the guide: What analyst ratings and price targets actually tell you.
Every action with the firm's history is in Analyst Ratings.
Earnings
The next report is scheduled for 4 November 2026 after the close for Q3 2026, with EPS expected at $1.45 on revenue of $6.5 billion. Sun Life Financial Inc. beat the EPS estimate in 6 of its last 7 reported quarters.
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue |
|---|---|---|---|---|---|
| Q2 2026 | 6 Aug 2026 | $1.39 | $1.46 | +5.04% | $10.1B |
| Q1 2026 | 6 May 2026 | $1.35 | $1.38 | +2.22% | $6.4B |
| Q4 2025 | 11 Feb 2026 | $1.35 | $1.41 | +4.15% | $6.4B |
| Q3 2025 | 5 Nov 2025 | $1.30 | $1.35 | +3.85% | $9.0B |
| Q2 2025 | 7 Aug 2025 | $1.29 | $1.29 | 0.00% | $6.6B |
| Q1 2025 | 8 May 2025 | $1.22 | $1.27 | +4.10% | $7.9B |
| Q4 2024 | 12 Feb 2025 | $1.24 | $1.20 | -3.23% | $5.4B |
| Q3 2024 | 4 Nov 2024 | $1.22 | $1.29 | +5.74% | $11.2B |
An earnings surprise is the reported EPS against the consensus estimate on the day. The price reaction depends as much on guidance and on what was already priced in as on the surprise itself. Read the guide: Earnings season: estimates, surprises and price reaction.
Estimates, confirmed dates and alerts for every company are in Earnings.
Fundamentals
On a trailing twelve month basis the company shows revenue growth of 8.00%, a gross margin of N.A., an operating margin of 12.71% and a return on equity of 15.10%.
Assets
| Line | Amount |
|---|---|
| Cash & Cash Equivalents | $9,599,000,000 |
| Plant, Property & Equipment, Net | $651,000,000 |
| Goodwill Intangible Assets, Net | $14,685,000,000 |
| Deferred Tax Asset | $3,803,000,000 |
| Total Assets | $398,455,000,000 |
Liabilities and equity
| Line | Amount |
|---|---|
| Long-term Debt | $8,171,000,000 |
| Minority Interest | $264,000,000 |
| Other Borrowings | $386,000,000 |
| Total Liabilities | $372,963,000,000 |
| Total Stockholders Equity | $24,532,000,000 |
| Total Liability & Stockholders Equity | $398,455,000,000 |
Figures as filed with the SEC for the period ended 31 December 2025, in US dollars.
FundSpec fundamental metrics
Each metric is computed from the company's filings and ranked against every company FundSpec covers; the percentile is the share of covered companies with a lower value.
Leverage
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Debt/Assets | 0.02 | 45th | Calculated as the ratio of Short-Term Debt + Long-Term Debt / Total Assets. The higher the ratio, the higher the degree of leverage, and consequently, financial risk |
| Debt/Equity | 0.33 | 55th | Calculated as the ratio of Total Liabilities / Shareholders' Equity. The ratio indicates how much debt a company is using to finance its assets relative to the amount of value represented in shareholders’ equity |
| Degree of Financial Leverage | 1.11 | 67th | Calculated as the ratio of Percentage change in EPS / Percentage change in EBIT. A higher degree of financial leverage means that the company has more volatile EPS. |
| Long Term Debt/Long Term Capital | 0.25 | 35th | Calculated as Long-Term Debt / (Long-Term Debt + Shareholders' Equity). The ratio is an indicator of the company's leverage |
Profitability
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Free Cashflow Margin Pct | 6.3% | 58th | Calculated as the ratio of Free Cashflow from Operating Activities / Net Sales. It measures how much per dollar of revenue the company is able to convert into free cash flow. |
| Operating Margin Pct | 12.7% | 70th | Calculated as the ratio of (Revenue - (Cost of Goods Sold + Labour + Sales, General & Administrative)) / Revenue. Operating margins are important because they measure efficiency. The higher the operating margin, the more profitable a company's core business is. |
| PreTax Margin Pct | 11.5% | 65th | Calculated as the ratio of (Gross profit - (Operating Expense + Interest Expense)) / Revenue. The pretax profit margin enables profitability to be compared across companies with significant differences in size, scale, capital structure and tax rates. |
| Return on Assets Pct | 1.0% | 57th | Calculated as the ratio of Net Income / Total Assets. It is an indicator of how efficient the company is at using its assets to generate earnings. |
| Return on Equity Pct | 15.1% | 79th | Calculated as the ratio of Net Income / Shareholders' equity. It is a measure of how much profit a company generates with the money shareholders have invested. |
| Return on Invested Capital Pct | 12.6% | 79th | Calculated as the ratio of (Net Income - Dividends) / (Debt + Equity). It is a measure of how efficient the company is at allocating the capital under its control to profitable investments. |
Cashflow
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| FCF Pct Growth | 11.1% | 52nd | The Free Cash Flow growth rate over the trailing twelve months (TTM) |
| FCF Pct Growth 5 year CAGR | -62.6% | 12th | The Free Cash Flow compound annual growth rate (CAGR) over the past 5 years |
| FCF Return on Assets Pct | 0.7% | 47th | Calculated as the ratio of Cashflow from Operations / Total Assets. A high cash return on assets means a company is generating more cash flow from every asset dollar |
| Operating Cashflow Pct Growth | 10.5% | 54th | The Operating Cashflow growth rate over the trailing twelve months (TTM) |
| Operating Cashflow Pct Growth 3 year CAGR (FY) | -13.4% | 26th | The Operating Cashflow compound annual growth rate (CAGR) over the past 3 years |
| Operating Cashflow Pct Growth 5 year CAGR (FY) | -17.3% | 19th | The Operating Cashflow compound annual growth rate (CAGR) over the past 5 years |
Earnings Growth (Net Income)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Net Income Pct Growth | 14.6% | 54th | The Net Income growth rate over the trailing twelve months (TTM) |
| Net Income Pct Growth 3 year CAGR | 7.1% | 57th | The Net Income compound annual growth rate (CAGR) over the past 3 years |
| Net Income Pct Growth 5 year CAGR | 6.3% | 58th | The Net Income compound annual growth rate (CAGR) over the past 5 years |
Top Line Growth
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Revenue Pct Growth | 8.0% | 56th | The Revenue (Sales) growth rate over the trailing twelve months (TTM) |
| Revenue Pct Growth 3 year CAGR | 93.7% | 97th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 3 years |
| Revenue Pct Growth 5 year CAGR | -0.7% | 23rd | The Revenue (Sales) compound annual growth rate (CAGR) over the past 5 years |
Taxes
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Effective Tax Rate Pct | 21.2% | 70th | The effective tax rate of the company over the trailing twelve months (TTM). |
Margins and returns say how much of each dollar of sales becomes profit and how hard the balance sheet is working; leverage and liquidity say how much room the company has when conditions turn. Read the guide: A practical guide to discounted cash flow valuation.
Fair value, peer multiples and the full statement history are in the app: open SLF in FundSpec.
Company profile
- Exchange
- NYSE
- Sector
- Insurance Carriers
- Industry
- Insurance
- Headquarters
- Toronto
- Chief executive
- Kevin D. Strain
- Employees
- 29,200
- Website
- sunlife.com
- SEC CIK
- 0001097362
Sun Life Financial Inc. provides insurance, wealth, and asset management solutions to individuals and corporate clients. It offers term and permanent life, as well as personal health, dental, critical illness, long-term care, and disability insurance products. The company also provides reinsurance products; investment counselling and portfolio management services.
Sector and peers
Sun Life Financial Inc. is part of the Insurance Carriers sector, which FundSpec tracks across 88 companies.
Companies in the same industry by market capitalization:
MFC Manulife Financial Corp.AFL Aflac Inc.
Put two of them side by side in Compare.
In FundSpec: the fair value estimate, the momentum reading, relative valuation against sector and industry peers, unusual options activity and AI model signals for SLF are available to subscribers, with the same screen in the iOS and Android apps.
Open SLF in FundSpec