Sun Life Financial Inc. (SLF) stock analysis

In our weekly check, Sun Life Financial Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6.

About Sun Life Financial Inc.

Sun Life Financial Inc. is a Financial Services company (Insurance - Diversified) based in Canada, listed on NYSE as SLF.

What our checks show for SLF

Red flags

• The net margin fell by 4.1 points over 5 years, to 8.1%: the company keeps less of each sale as profit.
• The gross margin fell by 6 points, to 35.3%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 41.5% a year.
• The stock has fallen as much as 80% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 12.7 years.
• Return on capital (ROCE) is only 1.1%.

Warning signs

• The net margin is only 8.1%: little room if costs rise.

Strengths

• Operating cash flow is 3x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 25.2 points from today's 8.1%.
• Revenue grew 134% a year over the last 3 years.
• Free cash flow is 24.1% of revenue: cash for dividends, buybacks or growth.
• A large company: market value $44.99 billion.
• The price moves calmly: 18.5% annual volatility.

Next earnings report: 2026-11-04

Similar companies

AIG · ACGL · HIG · AXS

Questions

What grade does Sun Life Financial Inc. (SLF) have?

In our weekly check, Sun Life Financial Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of SLF stock?

This week's biggest flags for Sun Life Financial Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 7 of 25 checks show a warning or a red flag.

What does Sun Life Financial Inc. do?

Sun Life Financial Inc. is a Financial Services company (Insurance - Diversified) based in Canada, listed on NYSE as SLF.

When does Sun Life Financial Inc. report earnings next?

The next earnings report is expected on 2026-11-04. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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