Sun Life FinancialPHS:SLF -1.01%76 EV-to-OCF is 11.77 as of Jul. 11, 2026, which is 7% above its 10-year median of 11.00. GuruFocus rates PHS:SLF with a GF Score™ of 76/100 and a GF Value™ of ₱3,711.25 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 506 Insurance companies, Sun Life Financial ranks worse than 70.36% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Sun Life Financial's Enterprise Value is ₱2,815,993 Mil.
Sun Life Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was ₱239,285 Mil. Therefore, Sun Life Financial's EV-to-OCF for today is 11.77.
The historical rank and industry rank for Sun Life Financial's EV-to-OCF or its related term are showing as below:
PHS:SLF'
s EV-to-OCF Range Over the Past 10 Years
Min: -34.28 Med: 11 Max: 99.92
Current: 12.15
During the past 13 years, the highest EV-to-OCF of Sun Life Financial was 99.92. The lowest was -34.28. And the median was 11.00.
PHS:SLF's EV-to-OCF is ranked worse than 70.36% of 506
companies
in the Insurance industry
Industry Median: 6.705
vs PHS:SLF: 12.15
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sun Life Financial (PHS:SLF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sun Life Financial's PE Ratio (TTM) for today is calculated as:
Sun Life Financial's share price for today is ₱4702.00.
Sun Life Financial's Earnings per Share (Diluted) 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 ₱240.039.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Sun Life Financial EV-to-OCF Related Terms
Sun Life Financial EV-to-OCF Historical Data
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The historical data trend for Sun Life Financial's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's EV-to-OCF falls into.
Sun Life Financial's current Enterprise Value is ₱2,815,993 Mil.
Sun Life Financial's Cash Flow from Operations 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 ₱239,285 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-OCF of 11.77 as of Jul. 11, 2026. This is near median its historical median of 11.00. According to the industry distribution chart, Sun Life Financial ranks #356 out of 506 companies in the Insurance industry, placing it in the top 70.4%.
Is Sun Life Financial's EV-to-OCF too high?
Sun Life Financial's current EV-to-OCF of 11.77 is near median its 10-year median of 11.00. The Insurance industry median EV-to-OCF is 6.71. Sun Life Financial's value of 11.77 is 75.5% above this industry median. Based on the distribution chart, Sun Life Financial ranks #356 out of 506 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 EV-to-OCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #356 out of 506 companies for EV-to-OCF. This places Sun Life Financial in the lower half of its industry. The industry median EV-to-OCF is 6.71. Sun Life Financial's value of 11.77 is 75.5% above this benchmark. While the company's 10-year median is 11.00 vs. the industry median of 6.71, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.71, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current EV-to-OCF of 11.77 is 75.5% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current EV-to-OCF is 11.77, which is near median its own 10-year median of 11.00. 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 ₱3,711.25, compared to a current price of ₱4,702.00 — trading 26.7% above its estimated fair value. The current EV-to-OCF is 11.77, which is near median its 10-year median of 11.00 and 75.5% above the Insurance industry median of 6.71. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current EV-to-OCF is 11.77 as of Jul. 11, 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 26.7% above its estimated GF Value™ of ₱3,711.25.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
EV-to-OCF: 11.77 (near median its 10-year median of 11.00)
GF Value™: ₱3,711.25 vs. price of ₱4,702.00 (26.7% above fair value)
Industry Position: 75.5% above the Insurance median (#356 of 506)
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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