Sun Life FinancialPHS:SLF +4.50%76 Pretax Margin % is 7.21% as of Mar. 2026, which is 41% below its 10-year median of 12.27. 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 501 Insurance companies, Sun Life Financial ranks worse than 52.3% on this metric.
The historical rank and industry rank for Sun Life Financial's Pretax Margin % or its related term are showing as below:
PHS:SLF'
s Pretax Margin % Range Over the Past 10 Years
Min: 7.58 Med: 12.27 Max: 105.75
Current: 11.66
PHS:SLF's Pretax Margin % is ranked worse than 52.3% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs PHS:SLF: 11.66
Sun Life Financial (PHS:SLF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Sun Life Financial Pretax Margin % Related Terms
Sun Life Financial Pretax Margin % Historical Data
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The historical data trend for Sun Life Financial's Pretax Margin % 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: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's Pretax Margin % 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 Pretax Margin % of 7.21% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sun Life Financial and its competitors. This is 41% below median its historical median of 12.27. Over the past decade, Sun Life Financial's Pretax Margin % has ranged from 7.58 to 105.75. According to the industry distribution chart, Sun Life Financial ranks #262 out of 501 companies in the Insurance industry, placing it in the top 52.3%.
Is Sun Life Financial's Pretax Margin % too high?
Sun Life Financial's current Pretax Margin % of 7.21% is 41% below median its 10-year median of 12.27. Over the past 10 years, this metric has ranged from a low of 7.58 to a high of 105.75. The Insurance industry median Pretax Margin % is 12.04. Sun Life Financial's value of 7.21% is 40.1% below this industry median. Based on the distribution chart, Sun Life Financial ranks #262 out of 501 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #262 out of 501 companies for Pretax Margin %. This places Sun Life Financial in the lower half of its industry. The industry median Pretax Margin % is 12.04. Sun Life Financial's value of 7.21% is 40.1% below this benchmark. Historically, Sun Life Financial's own Pretax Margin % has ranged from 7.58 to 105.75 over the past decade. While the company's 10-year median is 12.27 vs. the industry median of 12.04, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current Pretax Margin % of 7.21% is 40.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current Pretax Margin % is 7.21%, which is 41% below median its own 10-year median of 12.27. 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 Pretax Margin % is 7.21%, which is 41% below median its 10-year median of 12.27 and 40.1% below the Insurance industry median of 12.04. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current Pretax Margin % is 7.21% 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:
Pretax Margin %: 7.21% (41% below median its 10-year median of 12.27)
GF Value™: ₱3,480.95 vs. price of ₱4,600.00 (32.1% above fair value)
Industry Position: 40.1% below the Insurance median (#262 of 501)
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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