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Sun Life FinancialPHS:SLF -0.49%52 3-Year EPS without NRI Growth Rate is 2.30% as of Mar. 2026, which is 79% below its 10-year median of 10.70. GuruFocus rates PHS:SLF with a GF Score™ of 52/100 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 401 Insurance companies, Sun Life Financial ranks worse than 74.81% on this metric.
During the past 12 months, Sun Life Financial's average EPS without NRI Growth Rate was 0.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 2.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 4.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 7.80% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Sun Life Financial was 140.20% per year. The lowest was -36.00% per year. And the median was 10.70% per year.
Sun Life Financial (PHS:SLF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Sun Life Financial 3-Year EPS without NRI Growth Rate Related Terms
PHS:SLF vs BRK.A, AIG, HIG: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's 3-Year EPS without NRI Growth Rate falls into.
Sun Life Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 2.30% mean?
Sun Life Financial (PHS:SLF) has a 3-Year EPS without NRI Growth Rate of 2.30% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Sun Life Financial and its competitors. This is 79% below median its historical median of 10.70. According to the industry distribution chart, Sun Life Financial ranks #300 out of 401 companies in the Insurance industry, placing it in the top 74.8%.
Is Sun Life Financial's 3-Year EPS without NRI Growth Rate too high?
Sun Life Financial's current 3-Year EPS without NRI Growth Rate of 2.30% is 79% below median its 10-year median of 10.70. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.50. Sun Life Financial's value of 2.30% is 86.1% below this industry median. Based on the distribution chart, Sun Life Financial ranks #300 out of 401 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's 3-Year EPS without NRI Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #300 out of 401 companies for 3-Year EPS without NRI Growth Rate. This places Sun Life Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.50. Sun Life Financial's value of 2.30% is 86.1% below this benchmark. While the company's 10-year median is 10.70 vs. the industry median of 16.50, 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 EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.50, based on 401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 2.30% is 86.1% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Sun Life Financial and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current 3-Year EPS without NRI Growth Rate is 2.30%, which is 79% below median its own 10-year median of 10.70. 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 Modestly Overvalued. The current 3-Year EPS without NRI Growth Rate is 2.30%, which is 79% below median its 10-year median of 10.70 and 86.1% below the Insurance industry median of 16.50. Sun Life Financial's overall GF Score™ is 52/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current 3-Year EPS without NRI Growth Rate is 2.30% 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 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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