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Sun Life FinancialPHS:SLF -0.12%52 EV-to-FCF is 12.45 as of Jul. 31, 2026, which is 8% above its 10-year median of 11.48. GuruFocus rates PHS:SLF with a GF Score™ of 52/100. The stock has 8 warning signs investors should review. Among 394 Insurance companies, Sun Life Financial ranks worse than 61.68% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sun Life Financial's Enterprise Value is ₱2,893,770 Mil.
Sun Life Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱232,493 Mil. Therefore, Sun Life Financial's EV-to-FCF for today is 12.45.
The historical rank and industry rank for Sun Life Financial's EV-to-FCF or its related term are showing as below:
PHS:SLF'
s EV-to-FCF Range Over the Past 10 Years
Min: -32 Med: 11.48 Max: 118.42
Current: 12.69
During the past 13 years, the highest EV-to-FCF of Sun Life Financial was 118.42. The lowest was -32.00. And the median was 11.48.
PHS:SLF's EV-to-FCF is ranked worse than 61.68% of 394
companies
in the Insurance industry
Industry Median: 9.375
vs PHS:SLF: 12.69
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 ₱4874.00.
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 ₱240.002.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Sun Life Financial EV-to-FCF Related Terms
Sun Life Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Sun Life Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's EV-to-FCF falls into.
Sun Life Financial's current Enterprise Value is ₱2,893,770 Mil.
Sun Life Financial's Free Cash Flow 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 ₱232,493 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-FCF of 12.45 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sun Life Financial and its competitors. This is near median its historical median of 11.48. According to the industry distribution chart, Sun Life Financial ranks #243 out of 394 companies in the Insurance industry, placing it in the top 61.7%.
Is Sun Life Financial's EV-to-FCF too high?
Sun Life Financial's current EV-to-FCF of 12.45 is near median its 10-year median of 11.48. The Insurance industry median EV-to-FCF is 9.38. Sun Life Financial's value of 12.45 is 32.8% above this industry median. Based on the distribution chart, Sun Life Financial ranks #243 out of 394 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #243 out of 394 companies for EV-to-FCF. This places Sun Life Financial in the lower half of its industry. The industry median EV-to-FCF is 9.38. Sun Life Financial's value of 12.45 is 32.8% above this benchmark. While the company's 10-year median is 11.48 vs. the industry median of 9.38, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.38, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current EV-to-FCF of 12.45 is 32.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median EV-to-FCF is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current EV-to-FCF is 12.45, which is near median its own 10-year median of 11.48. 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 EV-to-FCF of 12.45. The current EV-to-FCF is 12.45, which is near median its 10-year median of 11.48 and 32.8% above the Insurance industry median of 9.38. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current EV-to-FCF is 12.45 as of Jul. 31, 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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