Sun Life FinancialPHS:SLF +4.50%76 Interest Coverage is 4.88 as of Mar. 2026, which is 52% below its 10-year median of 10.23. GuruFocus rates PHS:SLF with a GF Score™ of 76/100 and a GF Value™ of ₱3,480.95 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 351 Insurance companies, Sun Life Financial ranks worse than 66.38% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Sun Life Financial's
EBIT
for the
three
months ended in Mar. 2026 was ₱35,461 Mil. Sun Life Financial's Interest Expense for the
three
months ended in Mar. 2026 was ₱-7,271 Mil.
Sun Life Financial's interest coverage for the quarter that ended in Mar. 2026 was 4.88.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Sun Life Financial's Interest Coverage or its related term are showing as below:
PHS:SLF'
s Interest Coverage Range Over the Past 10 Years
Min: 7.53 Med: 10.23 Max: 16.59
Current: 8.52
PHS:SLF's Interest Coverage is ranked worse than 66.38% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs PHS:SLF: 8.52
Sun Life Financial (PHS:SLF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Sun Life Financial Interest Coverage Related Terms
Sun Life Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Sun Life Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PHS:SLF vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 4.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sun Life Financial and its competitors. This is 52% below median its historical median of 10.23. Over the past decade, Sun Life Financial's Interest Coverage has ranged from 7.53 to 16.59. According to the industry distribution chart, Sun Life Financial ranks #233 out of 351 companies in the Insurance industry, placing it in the top 66.4%.
Is Sun Life Financial's Interest Coverage too high?
Sun Life Financial's current Interest Coverage of 4.88 is 52% below median its 10-year median of 10.23. Over the past 10 years, this metric has ranged from a low of 7.53 to a high of 16.59. The Insurance industry median Interest Coverage is 16.23. Sun Life Financial's value of 4.88 is 69.9% below this industry median. Based on the distribution chart, Sun Life Financial ranks #233 out of 351 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 Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #233 out of 351 companies for Interest Coverage. This places Sun Life Financial in the lower half of its industry. The industry median Interest Coverage is 16.23. Sun Life Financial's value of 4.88 is 69.9% below this benchmark. Historically, Sun Life Financial's own Interest Coverage has ranged from 7.53 to 16.59 over the past decade. While the company's 10-year median is 10.23 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current Interest Coverage of 4.88 is 69.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current Interest Coverage is 4.88, which is 52% below median its own 10-year median of 10.23. 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 ₱3,480.95, compared to a current price of ₱4,600.00 — trading 32.1% above its estimated fair value. The current Interest Coverage is 4.88, which is 52% below median its 10-year median of 10.23 and 69.9% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current Interest Coverage is 4.88 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 ₱4,600.00 is trading 32.1% above its estimated GF Value™ of ₱3,480.95.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
Interest Coverage: 4.88 (52% below median its 10-year median of 10.23)
GF Value™: ₱3,480.95 vs. price of ₱4,600.00 (32.1% above fair value)
Industry Position: 69.9% below the Insurance median (#233 of 351)
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
Get the complete analysis for PHS:SLF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:SLF has been successfully added to your 
