Sun Life FinancialPHS:SLF 75 EV-to-EBIT is 13.21 as of Jul. 06, 2026, which is 44% above its 10-year median of 9.18. GuruFocus rates PHS:SLF with a GF Score™ of 75/100 and a GF Value™ of ₱3,700.08 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 348 Insurance companies, Sun Life Financial ranks worse than 72.41% on this metric.
Sun Life Financial (PHS:SLF) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Sun Life Financial's Enterprise Value for the quarter that ended in Mar. 2026 was ₱2,112,345 Mil.
Sun Life Financial's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱211,658 Mil.
* 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 EV-to-EBIT Related Terms
Sun Life Financial EV-to-EBIT Historical Data
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The historical data trend for Sun Life Financial's EV-to-EBIT 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.
For the Insurance - Diversified subindustry, Sun Life Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's EV-to-EBIT falls into.
Sun Life Financial's current Enterprise Value is ₱2,796,538 Mil.
Sun Life Financial's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱211,658 Mil.
* 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 (PHS:SLF) has a EV-to-EBIT of 13.21 as of Jul. 06, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Sun Life Financial and its competitors. This is 44% above median its historical median of 9.18. Over the past decade, Sun Life Financial's EV-to-EBIT has ranged from 6.17 to 13.78. According to the industry distribution chart, Sun Life Financial ranks #252 out of 348 companies in the Insurance industry, placing it in the top 72.4%.
Is Sun Life Financial's EV-to-EBIT too high?
Sun Life Financial's current EV-to-EBIT of 13.21 is 44% above median its 10-year median of 9.18. Over the past 10 years, this metric has ranged from a low of 6.17 to a high of 13.78. The Insurance industry median EV-to-EBIT is 8.70. Sun Life Financial's value of 13.21 is 51.8% above this industry median. Based on the distribution chart, Sun Life Financial ranks #252 out of 348 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's EV-to-EBIT compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #252 out of 348 companies for EV-to-EBIT. This places Sun Life Financial in the lower half of its industry. The industry median EV-to-EBIT is 8.70. Sun Life Financial's value of 13.21 is 51.8% above this benchmark. Historically, Sun Life Financial's own EV-to-EBIT has ranged from 6.17 to 13.78 over the past decade. While the company's 10-year median is 9.18 vs. the industry median of 8.70, Sun Life Financial has consistently been above 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.70, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current EV-to-EBIT of 13.21 is 51.8% above 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current EV-to-EBIT is 13.21, which is 44% above median its own 10-year median of 9.18. 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 ₱3,700.08, compared to a current price of ₱4,750.00 — trading 28.4% above its estimated fair value. The current EV-to-EBIT is 13.21, which is 44% above median its 10-year median of 9.18 and 51.8% above the Insurance industry median of 8.70. Sun Life Financial's overall GF Score™ is 75/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current EV-to-EBIT is 13.21 as of Jul. 06, 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 ₱4,750.00 is trading 28.4% above its estimated GF Value™ of ₱3,700.08.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
EV-to-EBIT: 13.21 (44% above median its 10-year median of 9.18)
GF Value™: ₱3,700.08 vs. price of ₱4,750.00 (28.4% above fair value)
Industry Position: 51.8% above the Insurance median (#252 of 348)
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.
75GF Score
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