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Sun Life FinancialPHS:SLF 70 Price-to-Operating-Cash-Flow is 13.05 as of Sep. 22, 2026, which is 19% above its 10-year median of 11.01. GuruFocus rates PHS:SLF with a GF Score™ of 70/100 and a GF Value™ of ₱3,874.25 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 402 Insurance companies, Sun Life Financial ranks worse than 68.66% on this metric.
As of today (2026-09-22), Sun Life Financial's share price is ₱4900.00.
Sun Life Financial's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Jun. 2026 was ₱375.34. Hence, Sun Life Financial's Price-to-Operating-Cash-Flow Ratio for today is 13.05.
The historical rank and industry rank for Sun Life Financial's Price-to-Operating-Cash-Flow or its related term are showing as below:
PHS:SLF'
s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.05 Med: 11.01 Max: 91.11
Current: 13.54
During the past 13 years, Sun Life Financial's highest Price-to-Operating-Cash-Flow Ratio was 91.11. The lowest was 4.05. And the median was 11.01.
PHS:SLF's Price-to-Operating-Cash-Flow is ranked worse than 68.66% of 402
companies
in the Insurance industry
Industry Median: 8.715
vs PHS:SLF: 13.54
Sun Life Financial's Cash Flow from Operations per share for the
three
months ended in Jun. 2026 was ₱375.34.
Its Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Jun. 2026 was ₱375.34.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of Sun Life Financial was 13.00% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was -12.30% per year.
During the past 13 years, Sun Life Financial's highest 3-Year average Operating Cash Flow per Share Growth Rate was 79.70% per year. The lowest was -41.80% per year. And the median was -4.60% per year.
Sun Life Financial Price-to-Operating-Cash-Flow Related Terms
Sun Life Financial Price-to-Operating-Cash-Flow Historical Data
* Premium members only.
The historical data trend for Sun Life Financial's Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow Chart
PHS:SLF vs BRK.A, AIG, HIG: Price-to-Operating-Cash-Flow Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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-Operating-Cash-Flow vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's Price-to-Operating-Cash-Flow falls into.
Sun Life Financial Price-to-Operating-Cash-Flow Calculation
Sun Life Financial's Price-to-Operating-Cash-Flow ratio for today is calculated as
Price-to-Operating-Cash-Flow Ratio
=
Share Price
/
Cash Flow from Operations per share (TTM)
=
4900.00
/
375.339
=
13.05
Sun Life Financial's Share Price of today is ₱4900.00. Sun Life Financial's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱375.34.
* 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 Price-to-Operating-Cash-Flow of 13.05 mean?
Sun Life Financial (PHS:SLF) has a Price-to-Operating-Cash-Flow of 13.05 as of Sep. 22, 2026. Price-to-operating-cash-flow ratio is the ratio of share price to a company's per-share cash from operations. View historical data on Sun Life Financial and its competitors. This is 19% above median its historical median of 11.01. Over the past decade, Sun Life Financial's Price-to-Operating-Cash-Flow has ranged from 4.05 to 91.11. According to the industry distribution chart, Sun Life Financial ranks #276 out of 402 companies in the Insurance industry, placing it in the top 68.7%.
Is Sun Life Financial's Price-to-Operating-Cash-Flow too high?
Sun Life Financial's current Price-to-Operating-Cash-Flow of 13.05 is 19% above median its 10-year median of 11.01. Over the past 10 years, this metric has ranged from a low of 4.05 to a high of 91.11. The Insurance industry median Price-to-Operating-Cash-Flow is 8.72. Sun Life Financial's value of 13.05 is 49.7% above this industry median. Based on the distribution chart, Sun Life Financial ranks #276 out of 402 companies in the Insurance industry, which is below the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's Price-to-Operating-Cash-Flow compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #276 out of 402 companies for Price-to-Operating-Cash-Flow. This places Sun Life Financial in the lower half of its industry. The industry median Price-to-Operating-Cash-Flow is 8.72. Sun Life Financial's value of 13.05 is 49.7% above this benchmark. Historically, Sun Life Financial's own Price-to-Operating-Cash-Flow has ranged from 4.05 to 91.11 over the past decade. While the company's 10-year median is 11.01 vs. the industry median of 8.72, 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 Price-to-Operating-Cash-Flow for an Insurance company?
The median Price-to-Operating-Cash-Flow among Insurance companies is 8.72, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current Price-to-Operating-Cash-Flow of 13.05 is 49.7% 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 Price-to-Operating-Cash-Flow mean?
A high Price-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Price-to-operating-cash-flow ratio is the ratio of share price to a company's per-share cash from operations. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median Price-to-Operating-Cash-Flow is 8.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current Price-to-Operating-Cash-Flow is 13.05, which is 19% above median its own 10-year median of 11.01. 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 ₱3,874.25, compared to a current price of ₱4,900.00 — trading 26.5% above its estimated fair value. The current Price-to-Operating-Cash-Flow is 13.05, which is 19% above median its 10-year median of 11.01 and 49.7% above the Insurance industry median of 8.72. Sun Life Financial's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Operating-Cash-Flow calculated?
Price-to-Operating-Cash-Flow is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current Price-to-Operating-Cash-Flow is 13.05 as of Sep. 22, 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 ₱4,900.00 is trading 26.5% above its estimated GF Value™ of ₱3,874.25.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
Price-to-Operating-Cash-Flow: 13.05 (19% above median its 10-year median of 11.01)
GF Value™: ₱3,874.25 vs. price of ₱4,900.00 (26.5% above fair value)
Industry Position: 49.7% above the Insurance median (#276 of 402)
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.
70GF Score
Get the complete analysis for PHS:SLF
Price-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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