Sun Life Financial (PHS:SLF) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)


PHS:SLF Sun Life Financial Inc PHS:SLF
76 GF Score
Price ₱4,600.00
GF Value ₱3,480.95
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Sun Life Financial LT-Debt-to-Total-Asset?

Sun Life Financial PHS:SLF +4.50% 76 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Sun Life Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Sun Life Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Sun Life Financial is progressively becoming more dependent on debt to grow their business.

Sun Life Financial  (PHS:SLF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Sun Life Financial LT-Debt-to-Total-Asset Related Terms

Sun Life Financial LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Sun Life Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Sun Life Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.04 0.04 0.04 0.04

Sun Life Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.02 0.02 0.04 0.02
PHS:SLF
76GF Score
Sun Life Financial Inc PHS:SLF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Sun Life Financial LT-Debt-to-Total-Asset Calculation

Sun Life Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=752292.308/17676296.237
=0.04

Sun Life Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=373429.655/17766544.764
=0.02

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.02 mean?
Sun Life Financial (PHS:SLF) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sun Life Financial and its competitors.
Is Sun Life Financial's LT-Debt-to-Total-Asset too high?
Sun Life Financial's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to BRK.A and AIG?
Sun Life Financial's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sun Life Financial and its competitors. Sun Life Financial's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current LT-Debt-to-Total-Asset is 0.02 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 Significantly Overvalued.

Key valuation signals for PHS:SLF:

  • LT-Debt-to-Total-Asset: 0.02
  • GF Value™: ₱3,480.95 vs. price of ₱4,600.00 (32.1% above fair value)
  • GF Score™: 76/100 with 8 warning signs

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 Business Description

Address 1 York Street, 31st Floor, Toronto, ON, CAN, M5J 0B6
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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱4,600.00
Price
₱3,480.95
GF Value