Sun Life Financial Inc. (SLF.TO) stock analysis

In our weekly check, Sun Life Financial Inc. is graded B (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 TSX as SLF.TO.

What our checks show for SLF.TO

Red flags

• The net margin fell by 3.4 points over 5 years, to 8.8%: the company keeps less of each sale as profit.
• The gross margin fell by 4.7 points, to 36.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 40.1% a year.
• The stock has fallen as much as 73% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 9 years.
• Return on capital (ROCE) is only 1.1%.

Warning signs

• The net margin is only 8.8%: little room if costs rise.

Strengths

• Operating cash flow is 1.85x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 20.2% a year over the next years.
• Analysts expect the net margin to improve by 36.7 points from today's 8.8%.
• Revenue grew 128% a year over the last 3 years.
• Free cash flow is 15.9% of revenue: cash for dividends, buybacks or growth.
• A large company: market value $44.01 billion.

Next earnings report: 2026-11-04

Similar companies

G.MI · POW.TO · PHOE.TA · BBSE3.SA · CS.PA · AIG

Questions

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

In our weekly check, Sun Life Financial Inc. is graded B (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.TO 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 TSX as SLF.TO.

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 2026-10-24

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