Bull Rankings model

Sun Life Financial Inc. (SLF) stock analysis

Insurance - Diversified. Scored on the same transparent model behind the daily rankings.

★
SLF
Sun Life Financial Inc. · Insurance - Diversified
59.1Financial strength
$77.87Oct 13 close$43.3B
1Y Target$89.55Model estimate · no analyst coverage
5Y Target$131.11Compound horizon
10Y Target$194.49Long-dated conviction
Rev+11.5%
B
Revenue +11.5% — at or above S&P median
P/E18.2x
C
P/E 18.2 — expensive vs Financial Services peers (≈90th pctile)
ROE13.1%
B
ROE 13.1% — acceptable capital return
P/B2.45
C+
P/B 2.45 — richly valued vs book
Yield3.5%
B+
Yield 3.5% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 59.1 / 100
Profitability67.3
Value (P/B)39.0
Income68.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
8% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Diversified · market cap $43.3b. 8% off the 52-week high of $84.38. Revenue growing +11%, comfortably above the S&P median.
Moat
ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $89.55 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $131.11 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $194.49 if current growth sustains into durable earnings power.
Score history · SLF

Not enough history yet — the model records SLF's score after each daily run, and the chart appears once a few days have accumulated.

SLF at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY67VALUE39COVERED INCOME6859.1/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+24%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$77.9LOW $57.2HIGH $84.4Trading at the 76th percentile of its 52-week range ($57.2–$84.4).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-2.0%
90-day change+0.7%
Forward EPS estimate$6.06

Over the last 90 days, what analysts expect SLF to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · SLF
Shares to buy
25
Position size
$1,947
3.9% of portfolio
Stop price
$58.40
25% below $77.87
$ at risk if stopped
$486.69
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Sun Life Financial Inc. (SLF): score, valuation & FAQ

Sun Life Financial Inc. (SLF) is an Insurance - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Yield (B+).

Is SLF a good stock to buy?

Bull Rankings grades SLF on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Yield (B+). A score is a quantitative screen of Sun Life Financial Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade SLF?

As a bank, insurer or REIT, SLF isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Yield (B+).

Is SLF overvalued or undervalued?

We don't publish a discounted-cash-flow value for SLF, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. SLF is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in SLF?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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