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Sun Life FinancialPHS:SLF -0.49%53 Intrinsic Value: Projected FCF is ₱4,034.37 as of Aug. 02, 2026, which is 100% below its 10-year median of 0.77. GuruFocus rates PHS:SLF with a GF Score™ of 53/100 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 396 Insurance companies, Sun Life Financial ranks worse than 70.96% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-02), Sun Life Financial's Intrinsic Value: Projected FCF is ₱4,034.37. The stock price of Sun Life Financial is ₱4850.00. Therefore, Sun Life Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 1.2.
The historical rank and industry rank for Sun Life Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:SLF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.45 Med: 0.77 Max: 1.2
Current: 1.2
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Sun Life Financial was 1.20. The lowest was 0.45. And the median was 0.77.
PHS:SLF's Price-to-Projected-FCF is ranked worse than 70.96% of 396
companies
in the Insurance industry
Industry Median: 0.76
vs PHS:SLF: 1.20
Sun Life Financial (PHS:SLF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Sun Life Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
4850.00
/
4363.6449490432
=
1.11
* 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 Intrinsic Value: Projected FCF Related Terms
Sun Life Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Sun Life Financial's Intrinsic Value: Projected 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.
Sun Life Financial Intrinsic Value: Projected FCF Chart
PHS:SLF vs BRK.A, AIG, HIG: Intrinsic Value: Projected FCF Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's Price-to-Projected-FCF falls into.
Sun Life Financial Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₱4,034.37 mean?
Sun Life Financial (PHS:SLF) has a Intrinsic Value: Projected FCF of ₱4,034.37 as of Aug. 02, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sun Life Financial and its competitors. This is 523844% above median its historical median of 0.77. Over the past decade, Sun Life Financial's Intrinsic Value: Projected FCF has ranged from 0.45 to 1.20. According to the industry distribution chart, Sun Life Financial ranks #281 out of 396 companies in the Insurance industry, placing it in the top 71%.
Is Sun Life Financial's Intrinsic Value: Projected FCF too high?
Sun Life Financial's current Intrinsic Value: Projected FCF of ₱4,034.37 is 523844% above median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 1.20. Based on the distribution chart, Sun Life Financial ranks #281 out of 396 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's Intrinsic Value: Projected FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #281 out of 396 companies for Intrinsic Value: Projected FCF. This places Sun Life Financial in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.76. Historically, Sun Life Financial's own Intrinsic Value: Projected FCF has ranged from 0.45 to 1.20 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current Intrinsic Value: Projected FCF is ₱4,034.37, which is 523844% above median its own 10-year median of 0.77. 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 current Intrinsic Value: Projected FCF is ₱4,034.37, which is 523844% above median its 10-year median of 0.77. Sun Life Financial's overall GF Score™ is 53/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current Intrinsic Value: Projected FCF is ₱4,034.37 as of Aug. 02, 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.
53GF Score
Get the complete analysis for PHS:SLF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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