Sun Life FinancialPHS:SLF +4.50%76 FCF Yield % is 8.55 as of Jun. 25, 2026, which is 2% below its 10-year median of 8.72. GuruFocus rates PHS:SLF with a GF Score™ of 76/100 and a GF Value™ of ₱3,480.95 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 504 Insurance companies, Sun Life Financial ranks better than 54.76% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Sun Life Financial FCF Yield % Related Terms
Sun Life Financial FCF Yield % Historical Data
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The historical data trend for Sun Life Financial's FCF Yield % 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.
PHS:SLF vs BRK.A, AIG, HIG: FCF Yield % Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's FCF Yield % falls into.
* 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 FCF Yield % of 8.55 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Sun Life Financial and its competitors. This is near median its historical median of 8.72. According to the industry distribution chart, Sun Life Financial ranks #228 out of 504 companies in the Insurance industry, placing it in the top 45.2%.
Is Sun Life Financial's FCF Yield % too high?
Sun Life Financial's current FCF Yield % of 8.55 is near median its 10-year median of 8.72. The Insurance industry median FCF Yield % is 7.11. Sun Life Financial's value of 8.55 is 20.3% above this industry median. Based on the distribution chart, Sun Life Financial ranks #228 out of 504 companies in the Insurance industry, which is above the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's FCF Yield % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #228 out of 504 companies for FCF Yield %. This puts Sun Life Financial in the upper half of its industry. The industry median FCF Yield % is 7.11. Sun Life Financial's value of 8.55 is 20.3% above this benchmark. While the company's 10-year median is 8.72 vs. the industry median of 7.11, 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.11, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current FCF Yield % of 8.55 is 20.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median FCF Yield % is 7.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current FCF Yield % is 8.55, which is near median its own 10-year median of 8.72. 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 Significantly Overvalued. The stock's GF Value™ is ₱3,480.95, compared to a current price of ₱4,600.00 — trading 32.1% above its estimated fair value. The current FCF Yield % is 8.55, which is near median its 10-year median of 8.72 and 20.3% above the Insurance industry median of 7.11. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current FCF Yield % is 8.55 as of Jun. 25, 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 ₱4,600.00 is trading 32.1% above its estimated GF Value™ of ₱3,480.95.
GuruFocus considers Sun Life Financial to be Significantly Overvalued.
Key valuation signals for PHS:SLF:
FCF Yield %: 8.55 (near median its 10-year median of 8.72)
GF Value™: ₱3,480.95 vs. price of ₱4,600.00 (32.1% above fair value)
Industry Position: 20.3% above the Insurance median (#228 of 504)
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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