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

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.84
Equity-to-Asset	0.07
Debt-to-Equity	0.56
Debt-to-EBITDA	2.96
Interest Coverage	8.12
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

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	23.23
	9-Day RSI	30.99
	14-Day RSI	34.89
	6-1 Month Momentum %	9.21
	12-1 Month Momentum %	10.91

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.17
	Dividend Payout Ratio	0.47
	3-Year Dividend Growth Rate	10.9
	Forward Dividend Yield %	4.25
	5-Year Yield-on-Cost %	6.53
	Shareholder Yield %	4.67

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	10.21
	FCF Margin %	16.61
	ROE %	14.53
	ROA %	1.03
	ROIC %	1.26
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	13.96
	Forward PE Ratio	10.25
	PE Ratio without NRI	11.55
	Shiller PE Ratio	14.68
	Price-to-Owner-Earnings	4.17
	PEG Ratio	2.57
	PS Ratio	1.32
	PB Ratio	2.01
	Price-to-Tangible-Book	5.56
	Price-to-Free-Cash-Flow	7.92
	Price-to-Operating-Cash-Flow	7.68
	EV-to-EBIT	10.32
	EV-to-EBITDA	10.32
	EV-to-Revenue	1.41
	EV-to-Forward-Revenue	1.08
	EV-to-FCF	9.03
	Price-to-Projected-FCF	0.78
	Price-to-Median-PS-Value	1.1
	Price-to-Peter-Lynch-Fair-Value	1.7
	Price-to-Graham-Number	1.63
	Earnings Yield (Greenblatt) %	9.68
	FCF Yield %	13.67
	Forward Rate of Return (Yacktman) %	14.71

GF Value: C$61.32

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