Sun Life Financial stock
SLFNYSESun Life Financial Inc., Financial ServicesISIN CA8667961053
63Score 63 out of 100, Neutral
Price and trend
53 / 100
Price history
+23% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.5% below it.
Since January 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 34).
The price is 13% below its 52-week high. Largest decline in 20 years: 80% (October 2007 to March 2009).
Chart figures for advanced users
- SMA 50$78.75
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$73.98
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)34
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$57.60
- The lowest closing price of the last twelve months.
- Resistance$84.07
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Sun Life Financial Inc. belongs to the Insurance (Diversified) industry (Canada) and, with a market value of $40.52B, is number 10 of 43 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $2.63B (up 18% year on year).
- MEQIRI Score 63 out of 100 (Neutral): rank 655 of 975 in Financial Services, median 68.
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- The P/E is 19.5 (Insurance (Diversified) median 13.5, own median of recent years 13.2).
- Our model puts fair value at $58.30, with the price 25% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 84
- Reliable dividendNo dividend cut for 11 years.Capital allocation 78
Weaknesses
- Above fair valuePrice 25% above the fair value of $58.30.Valuation 46
- Richly valuedP/E 19.5, Insurance (Diversified) median 13.5, own median 13.2.Valuation 46
Its standout strengths are fundamentals and capital allocation, while growth and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $48.58 and expensive above $72.88 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $66.24 (excess return model) and $50.36 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.2%. At 9.2% the fair value would be $52.78, at 7.2% it would be $66.58.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (13.5).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 2.5% on the twelve months before. Revenue has grown solidly since 2023, at about 8% per year. From 2023 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 11%, net 9%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. From 2023 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 10 Feb 2027in 89 days
- Last reported
- 4 Nov 2026EPS reported 1.47 (expected 1.45)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 5.71+1.3%
- Revenue
- $6.61B+1.7%
- Earnings per share
- 6.14+1.2%
- Revenue
- $7.59B+1.7%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +0.4%A gradual improvement in earnings is expected, organic capital generation of 41% exceeded the 30% to 40% guidance range, and membership is expected to stay lower this year.
“Organic capital generation was 41%, which exceeds our 30%-40% range of guidance.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 7 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Sun Life Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 63
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Diversified)
The next larger and next smaller companies by market value
- Assicurazioni GeneraliG.MI $74.75B76
- American International GroupAIG $43.78B60
- China Pacific Insurance (Group)601601.SS $42B67
- Power Corporation of CanadaPOW.TO $40.94B54
- TalanxTLX.DE $38B83
- Hartford Insurance GroupHIG $36.61B82
- Arch Capital GroupACGL $35.56B86
- Swiss Life HoldingSLHN.SW $33.03B67
ETFs that hold Sun Life Financial
Held by 78 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| UBS MSCI Canada UCITS ETF CAD disUIM9 | 1.46% | 0.33% | €2.07B |
| Xtrackers MSCI Canada Screened UCITS ETF 1CD5BH | 1.37% | 0.35% | €1.2B |
| iShares MSCI Canada UCITS ETFSXR2 | 1.33% | 0.48% | €2.17B |
Show 5 more
| Franklin Global Quality Dividend UCITS ETFFLXX | 1.32% | 0.30% | €141.87M |
| UBS S&P Dividend Aristocrats ESG Elite UCITS ETF USD disUBUM | 1.20% | 0.30% | €238.7M |
| iShares STOXX Global Select Dividend 100 UCITS ETF (DE)ISPA | 0.88% | 0.46% | €5.31B |
| State Street SPDR S&P Global Dividend Aristocrats UCITS ETF (Dist)ZPRG | 0.81% | 0.45% | €1.64B |
| iShares MSCI World Momentum Factor Advanced UCITS ETFCBUH | 0.49% | 0.25% | €267.4M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = CA$1.4249)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Overvalued since 13 Nov 2026, previously Fairly valued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.