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Sun Life FinancialPHS:SLF +2.55%74 3-Year Book Growth Rate is 5.60% as of Mar. 2026, which is 14% above its 10-year median of 4.90. GuruFocus rates PHS:SLF with a GF Score™ of 74/100 and a GF Value™ of ₱3,746.97 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 484 Insurance companies, Sun Life Financial ranks worse than 66.32% on this metric.
During the past 12 months, Sun Life Financial's average Book Value per Share Growth Rate was 1.50% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 5.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Sun Life Financial was 24.00% per year. The lowest was -10.40% per year. And the median was 4.90% per year.
Sun Life Financial (PHS:SLF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Sun Life Financial 3-Year Book Growth Rate Related Terms
PHS:SLF vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sun Life Financial 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's 3-Year Book Growth Rate falls into.
Sun Life Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 5.60% mean?
Sun Life Financial (PHS:SLF) has a 3-Year Book Growth Rate of 5.60% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sun Life Financial and its competitors. This is 14% above median its historical median of 4.90. According to the industry distribution chart, Sun Life Financial ranks #321 out of 484 companies in the Insurance industry, placing it in the top 66.3%.
Is Sun Life Financial's 3-Year Book Growth Rate too high?
Sun Life Financial's current 3-Year Book Growth Rate of 5.60% is 14% above median its 10-year median of 4.90. The Insurance industry median 3-Year Book Growth Rate is 8.40. Sun Life Financial's value of 5.60% is 33.3% below this industry median. Based on the distribution chart, Sun Life Financial ranks #321 out of 484 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #321 out of 484 companies for 3-Year Book Growth Rate. This places Sun Life Financial in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.40. Sun Life Financial's value of 5.60% is 33.3% below this benchmark. While the company's 10-year median is 4.90 vs. the industry median of 8.40, Sun Life Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.40, based on 484 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current 3-Year Book Growth Rate of 5.60% is 33.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sun Life Financial and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current 3-Year Book Growth Rate is 5.60%, which is 14% above median its own 10-year median of 4.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sun Life Financial stock overvalued right now?
Based on GuruFocus' analysis, Sun Life Financial (PHS:SLF) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱3,746.97, compared to a current price of ₱4,900.00 — trading 30.8% above its estimated fair value. The current 3-Year Book Growth Rate is 5.60%, which is 14% above median its 10-year median of 4.90 and 33.3% below the Insurance industry median of 8.40. Sun Life Financial's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current 3-Year Book Growth Rate is 5.60% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sun Life Financial (PHS:SLF) Overvalued in 2026?
Based on GuruFocus' analysis, Sun Life Financial stock appears to be overvalued.
The current stock price of ₱4,900.00 is trading 30.8% above its estimated GF Value™ of ₱3,746.97.
GuruFocus considers Sun Life Financial to be Significantly Overvalued.
Key valuation signals for PHS:SLF:
3-Year Book Growth Rate: 5.60% (14% above median its 10-year median of 4.90)
GF Value™: ₱3,746.97 vs. price of ₱4,900.00 (30.8% above fair value)
Industry Position: 33.3% below the Insurance median (#321 of 484)
No single metric tells the full story. See the PHS:SLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 2024 earnings. Its asset management business had around CAD 1.2 trillion total assets under management or administration at the end of 2025 and represents around 30% of the firm's earnings.
74GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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