Sun Life Financial (PHS:SLF) ROE % Adjusted to Book Value: 4.37% (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 Modestly Overvalued
! 8 Warning Signs
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What is Sun Life Financial ROE % Adjusted to Book Value?

Sun Life Financial PHS:SLF +4.50% 76 ROE % Adjusted to Book Value is 4.37% as of Mar. 2026. 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.

Sun Life Financial's ROE % for the quarter that ended in Mar. 2026 was 8.43%. Sun Life Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.93. Sun Life Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 4.37%.


Sun Life Financial ROE % Adjusted to Book Value Related Terms


Sun Life Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for Sun Life Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Sun Life Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.83 8.32 9.39 6.72 8.30

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
ROE % Adjusted to Book Value 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 8.67 6.51 10.31 6.97 4.37

PHS:SLF vs BRK.A, AIG, HIG: ROE % Adjusted to Book Value Comparison

For the Insurance - Diversified subindustry, Sun Life Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Sun Life Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Sun Life Financial's ROE % Adjusted to Book Value falls into.


PHS:SLF
76GF Score
Sun Life Financial Inc PHS:SLF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sun Life Financial ROE % Adjusted to Book Value Calculation

Sun Life Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.85% / 1.79
=8.30%

Sun Life Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.43% / 1.93
=4.37%

* 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 ROE % Adjusted to Book Value of 4.37% mean?
Sun Life Financial (PHS:SLF) has a ROE % Adjusted to Book Value of 4.37% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Sun Life Financial and its competitors.
Is Sun Life Financial's ROE % Adjusted to Book Value too high?
Sun Life Financial's current ROE % Adjusted to Book Value is 4.37%. 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 ROE % Adjusted to Book Value compare to BRK.A and AIG?
Sun Life Financial's ROE % Adjusted to Book Value of 4.37% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Sun Life Financial and its competitors. Sun Life Financial's current ROE % Adjusted to Book Value is 4.37%. 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 ROE % Adjusted to Book Value is 4.37%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current ROE % Adjusted to Book Value is 4.37% 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:

  • ROE % Adjusted to Book Value: 4.37%
  • 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

ROE % Adjusted to Book Value 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