Sun Life Financial (PHS:SLF) Cyclically Adjusted FCF per Share: ₱270.14 (As of Mar. 2026)

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PHS:SLF Sun Life Financial Inc PHS:SLF
53 GF Score
Price ₱4,778.00
! 8 Warning Signs
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What is Sun Life Financial Cyclically Adjusted FCF per Share?

Sun Life Financial PHS:SLF +0.59% 53 Cyclically Adjusted FCF per Share is ₱270.14 as of Mar. 2026. GuruFocus rates PHS:SLF with a GF Score™ of 53/100. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Sun Life Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₱173.291. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₱270.14 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sun Life Financial's average Cyclically Adjusted FCF Growth Rate was 4.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 5.20% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 7.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 11.30% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Sun Life Financial was 19.20% per year. The lowest was -16.90% per year. And the median was 6.55% per year.

As of today (2026-07-24), Sun Life Financial's current stock price is ₱4778.00. Sun Life Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₱270.14. Sun Life Financial's Cyclically Adjusted Price-to-FCF of today is 17.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Sun Life Financial was 25.55. The lowest was 10.38. And the median was 13.80.


Sun Life Financial  (PHS:SLF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Sun Life Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4778.00/270.14
=17.69

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Sun Life Financial was 25.55. The lowest was 10.38. And the median was 13.80.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Sun Life Financial Cyclically Adjusted FCF per Share Related Terms


Sun Life Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Sun Life Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sun Life Financial Cyclically Adjusted FCF per Share Chart

Sun Life Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 171.06 214.70 244.61 252.56 242.50

Sun Life Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 235.98 240.78 244.43 242.50 270.14

PHS:SLF vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, Sun Life Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Sun Life Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Sun Life Financial's Cyclically Adjusted Price-to-FCF falls into.


PHS:SLF
53GF Score
Sun Life Financial Inc PHS:SLF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Sun Life Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Sun Life Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=173.291/132.2623*132.2623
=173.291

Current CPI (Mar. 2026) = 132.2623.

Sun Life Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 101.005 102.002 130.970
201609 46.361 101.765 60.255
201612 99.284 101.449 129.440
201703 -49.352 102.634 -63.599
201706 95.553 103.029 122.665
201709 48.026 103.345 61.464
201712 47.198 103.345 60.405
201803 33.448 105.004 42.131
201806 28.884 105.557 36.191
201809 84.603 105.636 105.928
201812 139.437 105.399 174.976
201903 -96.693 106.979 -119.545
201906 146.366 107.690 179.763
201909 12.800 107.611 15.732
201912 124.571 107.769 152.883
202003 -14.449 107.927 -17.707
202006 236.948 108.401 289.104
202009 247.002 108.164 302.032
202012 91.847 108.559 111.901
202103 -85.015 110.298 -101.945
202106 20.509 111.720 24.280
202109 71.625 112.905 83.905
202112 -165.652 113.774 -192.570
202203 -40.587 117.646 -45.630
202206 162.682 120.806 178.110
202209 145.132 120.648 159.103
202212 70.672 120.964 77.273
202303 -3.679 122.702 -3.966
202306 19.495 124.203 20.760
202309 143.927 125.230 152.009
202312 266.545 125.072 281.868
202403 -197.079 126.258 -206.452
202406 88.200 127.522 91.479
202409 252.109 127.285 261.968
202412 43.125 127.364 44.784
202503 -30.955 129.181 -31.693
202506 61.097 129.892 62.212
202509 90.714 130.287 92.089
202512 93.000 130.366 94.353
202603 173.291 132.262 173.291

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₱270.14 mean?
Sun Life Financial (PHS:SLF) has a Cyclically Adjusted FCF per Share of ₱270.14 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Sun Life Financial and its competitors.
Is Sun Life Financial's Cyclically Adjusted FCF per Share too high?
Sun Life Financial's current Cyclically Adjusted FCF per Share is ₱270.14. Overall, Sun Life Financial has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Sun Life Financial's Cyclically Adjusted FCF per Share of ₱270.14 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Sun Life Financial and its competitors. Sun Life Financial's current Cyclically Adjusted FCF per Share is ₱270.14. 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 Cyclically Adjusted FCF per Share of ₱270.14. The current Cyclically Adjusted FCF per Share is ₱270.14. Sun Life Financial's overall GF Score™ is 53/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current Cyclically Adjusted FCF per Share is ₱270.14 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.

Sun Life Financial Business Description

Address 1 York Street, 31st Floor, Toronto, ON, CAN, M5J 0B6
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.
53GF Score

Get the complete analysis for PHS:SLF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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