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Sun Life FinancialPHS:SLF +0.54%52 3-Year FCF Growth Rate is -13.80% as of Jun. 2026. GuruFocus rates PHS:SLF with a GF Score™ of 52/100. The stock has 6 warning signs investors should review. Among 343 Insurance companies, Sun Life Financial ranks worse than 83.38% on this metric.
During the past 12 months, Sun Life Financial's average Free Cash Flow per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -13.80% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Sun Life Financial was 95.20% per year. The lowest was -46.00% per year. And the median was -4.50% per year.
Sun Life Financial (PHS:SLF) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Sun Life Financial 3-Year FCF Growth Rate Related Terms
PHS:SLF vs BRK.A, AIG, HIG: 3-Year FCF Growth Rate Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's 3-Year FCF Growth Rate falls into.
Sun Life Financial 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of -13.80% mean?
Sun Life Financial (PHS:SLF) has a 3-Year FCF Growth Rate of -13.80% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Sun Life Financial and its competitors. According to the industry distribution chart, Sun Life Financial ranks #286 out of 343 companies in the Insurance industry, placing it in the top 83.4%.
Is Sun Life Financial's 3-Year FCF Growth Rate too high?
Sun Life Financial's current 3-Year FCF Growth Rate is -13.80%. Based on the distribution chart, Sun Life Financial ranks #286 out of 343 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sun Life Financial has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's 3-Year FCF Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #286 out of 343 companies for 3-Year FCF Growth Rate. This places Sun Life Financial in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 12.80. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 12.80, based on 343 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Sun Life Financial and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current 3-Year FCF Growth Rate is -13.80%. 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?
Sun Life Financial (PHS:SLF) has a current 3-Year FCF Growth Rate of -13.80%. The current 3-Year FCF Growth Rate is -13.80%. Sun Life Financial's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current 3-Year FCF Growth Rate is -13.80% as of Jun. 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.
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.
52GF Score
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