Sun Life FinancialPHS:SLF -1.01%76 3-Year EBITDA Growth Rate is 6.40% as of Mar. 2026, which is 5% above its 10-year median of 6.10. GuruFocus rates PHS:SLF with a GF Score™ of 76/100 and a GF Value™ of ₱3,644.28 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 288 Insurance companies, Sun Life Financial ranks worse than 69.1% on this metric.
During the past 12 months, Sun Life Financial's average EBITDA Per Share Growth Rate was -3.00% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 6.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 3.20% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 5.30% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Sun Life Financial was 55.00% per year. The lowest was -35.90% per year. And the median was 6.10% per year.
Sun Life Financial (PHS:SLF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Sun Life Financial 3-Year EBITDA Growth Rate Related Terms
PHS:SLF vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's 3-Year EBITDA Growth Rate falls into.
Sun Life Financial 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 6.40% mean?
Sun Life Financial (PHS:SLF) has a 3-Year EBITDA Growth Rate of 6.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Sun Life Financial and its competitors. This is near median its historical median of 6.10. According to the industry distribution chart, Sun Life Financial ranks #199 out of 288 companies in the Insurance industry, placing it in the top 69.1%.
Is Sun Life Financial's 3-Year EBITDA Growth Rate too high?
Sun Life Financial's current 3-Year EBITDA Growth Rate of 6.40% is near median its 10-year median of 6.10. The Insurance industry median 3-Year EBITDA Growth Rate is 17.20. Sun Life Financial's value of 6.40% is 62.8% below this industry median. Based on the distribution chart, Sun Life Financial ranks #199 out of 288 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #199 out of 288 companies for 3-Year EBITDA Growth Rate. This places Sun Life Financial in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.20. Sun Life Financial's value of 6.40% is 62.8% below this benchmark. While the company's 10-year median is 6.10 vs. the industry median of 17.20, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 6.40% is 62.8% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Sun Life Financial and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current 3-Year EBITDA Growth Rate is 6.40%, which is near median its own 10-year median of 6.10. 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 stock's GF Value™ is ₱3,644.28, compared to a current price of ₱4,702.00 — trading 29% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 6.40%, which is near median its 10-year median of 6.10 and 62.8% below the Insurance industry median of 17.20. Sun Life Financial's overall GF Score™ is 76/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current 3-Year EBITDA Growth Rate is 6.40% 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 ₱4,702.00 is trading 29% above its estimated GF Value™ of ₱3,644.28.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
3-Year EBITDA Growth Rate: 6.40% (near median its 10-year median of 6.10)
GF Value™: ₱3,644.28 vs. price of ₱4,702.00 (29% above fair value)
Industry Position: 62.8% below the Insurance median (#199 of 288)
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.
76GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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