Sun Life FinancialPHS:SLF +2.13%75 5-Year Yield-on-Cost % is 5.81 as of Jun. 29, 2026, which is 6% below its 10-year median of 6.20. GuruFocus rates PHS:SLF with a GF Score™ of 75/100 and a GF Value™ of ₱3,546.89 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 427 Insurance companies, Sun Life Financial ranks better than 66.98% on this metric.
Sun Life Financial's yield on cost for the quarter that ended in Mar. 2026 was 5.81.
The historical rank and industry rank for Sun Life Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:SLF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.87 Med: 6.2 Max: 9.45
Current: 5.81
During the past 13 years, Sun Life Financial's highest Yield on Cost was 9.45. The lowest was 4.87. And the median was 6.20.
PHS:SLF's 5-Year Yield-on-Cost % is ranked better than 66.98% of 427
companies
in the Insurance industry
Industry Median: 4.03
vs PHS:SLF: 5.81
Sun Life Financial (PHS:SLF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sun Life Financial 5-Year Yield-on-Cost % Related Terms
PHS:SLF vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Sun Life Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sun Life Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sun Life Financial's 5-Year Yield-on-Cost % falls into.
Sun Life Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Sun Life Financial (PHS:SLF) has a 5-Year Yield-on-Cost % of 5.81 as of Jun. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sun Life Financial and its competitors. This is near median its historical median of 6.20. Over the past decade, Sun Life Financial's 5-Year Yield-on-Cost % has ranged from 4.87 to 9.45. According to the industry distribution chart, Sun Life Financial ranks #141 out of 427 companies in the Insurance industry, placing it in the top 33%.
Is Sun Life Financial's 5-Year Yield-on-Cost % too high?
Sun Life Financial's current 5-Year Yield-on-Cost % of 5.81 is near median its 10-year median of 6.20. Over the past 10 years, this metric has ranged from a low of 4.87 to a high of 9.45. The Insurance industry median 5-Year Yield-on-Cost % is 4.03. Sun Life Financial's value of 5.81 is 44.2% above this industry median. Based on the distribution chart, Sun Life Financial ranks #141 out of 427 companies in the Insurance industry, which is above the industry midpoint. Overall, Sun Life Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sun Life Financial's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sun Life Financial ranks #141 out of 427 companies for 5-Year Yield-on-Cost %. This puts Sun Life Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.03. Sun Life Financial's value of 5.81 is 44.2% above this benchmark. Historically, Sun Life Financial's own 5-Year Yield-on-Cost % has ranged from 4.87 to 9.45 over the past decade. While the company's 10-year median is 6.20 vs. the industry median of 4.03, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 4.03, based on 427 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sun Life Financial's current 5-Year Yield-on-Cost % of 5.81 is 44.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sun Life Financial and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 4.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sun Life Financial's current 5-Year Yield-on-Cost % is 5.81, which is near median its own 10-year median of 6.20. 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 ₱3,546.89, compared to a current price of ₱4,600.00 — trading 29.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.81, which is near median its 10-year median of 6.20 and 44.2% above the Insurance industry median of 4.03. Sun Life Financial's overall GF Score™ is 75/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sun Life Financial (PHS:SLF), the current 5-Year Yield-on-Cost % is 5.81 as of Jun. 29, 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 29.7% above its estimated GF Value™ of ₱3,546.89.
GuruFocus considers Sun Life Financial to be Modestly Overvalued.
Key valuation signals for PHS:SLF:
5-Year Yield-on-Cost %: 5.81 (near median its 10-year median of 6.20)
GF Value™: ₱3,546.89 vs. price of ₱4,600.00 (29.7% above fair value)
Industry Position: 44.2% above the Insurance median (#141 of 427)
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.
75GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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