Is SLF a good stock to buy right now?

Based on our 6-factor quantitative model, SUN LIFE FINANCIAL INC (SLF) receives a "Hold" rating with a composite score of 44.4/100. It is ranked #1,786 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 94/100, Momentum 50/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for SLF?

SUN LIFE FINANCIAL INC (SLF) has a "Hold" rating and 3-star score. The composite score of 44.4 ranks it #1,786 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is SLF in?

SUN LIFE FINANCIAL INC operates in the Financials sector (Insurance industry) with a market cap of $33.99 billion. It is classified as a large-cap stock.

Does SLF pay a dividend?

SLF does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is SLF's P/E ratio?

P/E ratio data is not currently available for SLF, which may indicate the company is not yet profitable.

How profitable is SLF?

SLF's quality factor score is 10/100. Gross margin: 32.0%. ROE: 50.6% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is SLF valued compared to peers?

SLF's value factor score is 94/100 (higher = cheaper). Key multiples: , EV/EBITDA 1.3x. The stock appears attractively valued versus peers.

What is SLF's debt level?

SLF's debt-to-equity ratio is 24%. Sector average: 119%. Low leverage suggests conservative financial management.

SLF has a beta of 0.46, meaning it is less volatile than the market. Stability score: 93/100.

Does SLF have high short interest?

SLF's short interest factor score is 18/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

SLF Stock Analysis: Hold (Score 44.4/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
SLF	+1.06%	+1.74%	-2.69%	+1.96%	+8.25%	-	-	-
Industry Proxy XLF	+0.18%	+0.98%	-5.66%	-9.57%	-1.26%	-	-	-
U.S. Market SPY	+0.09%	+1.66%	-4.86%	-3.83%	+16.17%	-	-	-
Alpha vs Market	+0.97%	+0.08%	+2.16%	+5.78%	-7.92%	-	-	-
Alpha vs Sector	+0.88%	+0.76%	+2.97%	+11.52%	+9.51%	-	-	-

Metric	SLF	Benchmark
P/E Ratio	3.8x	-74%
EV/EBITDA	1.3x	-60%
Price / Book	1.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
SII SPROTT INC.	66	85	45	90	85.3x	73.4%	21.7%	31.3%	-	43.0x	$3.5B	VS
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	55	8.7x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.3B	VS
UVE UNIVERSAL INSURANCE HOLDINGS, INC.	63	74	80	60	9.1x	18.2%	0.0%	6.3%	5.5%	18.0x	$943M	VS
OPY OPPENHEIMER HOLDINGS INC	62	68	79	62	9.7x	9.9%	0.0%	6.5%	37.5%	273.0x	$936M	VS
PKBK PARKE BANCORP, INC.	61	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$331M	VS
RRBI RED RIVER BANCSHARES INC	59	59	70	68	15.1x	11.0%	0.0%	27.5%	13.3%	818.0x	$591M	VS
VIRT Virtu Financial, Inc.	59	73	79	53	5.1x	38.0%	0.0%	21.7%	19.0%	103.0x	$3.7B	VS
TW Tradeweb Markets Inc.	58	84	56	41	36.9x	9.5%	68.0%	34.4%	25.6%	14.0x	$24.8B	VS
PEBK PEOPLES BANCORP OF NORTH CAROLINA INC	58	60	75	61	12.6x	10.9%	0.0%	20.8%	6.7%	983.0x	$210M	VS
CCBG CAPITAL CITY BANK GROUP INC	56	59	73	50	12.4x	10.9%	0.0%	29.9%	5.5%	693.0x	$738M	VS
SLF SUN LIFE FINANCIAL INC	44	10	94	50	-	50.6%	32.0%	7.9%	-	24.0x	$34.0B

Key Ratio	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.3%	0.3%	0.4%	1.0%	1.4%	0.6%	0.3%	0.1%	0.2%	0.2%
Operating Margin %	0.3%	0.3%	0.4%	0.0%	-0.7%	0.1%	0.4%	0.2%	0.3%	0.3%
EBITDA Margin %	0.2%	0.2%	0.2%	0.4%	-0.2%	0.1%	0.1%	0.1%	0.1%	0.1%
Net Margin %	0.1%	0.1%	0.1%	0.4%	1.5%	0.1%	0.1%	0.1%	0.1%	0.1%
FCF Margin %	31.3%	31.3%	39.6%	-285.1%	-5.4%	-17.1%	6.1%	13.9%	6.1%	-
ROE %	0.5%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	42.3%	42.3%	78.3%	1.1%	19.2%	83.1%	62.2%	16.8%	35.3%	38.3%

Key Ratio

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.3%

0.4%

1.0%

1.4%

0.6%

0.3%

0.1%

0.2%

Operating Margin %

0.3%

0.4%

0.0%

-0.7%

0.1%

0.4%

0.2%

0.3%

EBITDA Margin %

0.2%

0.4%

-0.2%

0.1%

Net Margin %

0.1%

0.4%

1.5%

0.1%

FCF Margin %

31.3%

39.6%

-285.1%

-5.4%

-17.1%

6.1%

13.9%

6.1%

ROE %

0.5%

0.1%

0.2%

0.1%

ROA %

0.0%

ROIC %

42.3%

78.3%

1.1%

19.2%

83.1%

62.2%

16.8%

35.3%

38.3%

Line Item	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016
	$26.8B	$26.8B	$33.3B	$5.5B	$27.9B	$34.0B	$30.6B	$19.8B	$23.3B	$21.3B
	$13.2B	$13.2B	$13.3B	$5.5B	$13.3B	$11.8B	$9.9B	$1.6B	$4.1B	$3.7B
Gross Margin	32.0%	32.0%	39.8%	100.0%	144.2%	57.8%	32.3%	8.3%	17.6%	17.5%
	—	$0	$0	$0	$0	$0	$0	$0	$0	$0
	$6.9B	$6.9B	$12.9B	$262M	$4.2B	$14.5B	$11.5B	$3.0B	$6.7B	$6.8B
EBIT	$6.9B	$6.9B	$12.9B	$262M	$4.2B	$14.5B	$11.5B	$3.0B	$6.7B	$6.8B
EBITDA	$5.6B	$5.6B	$5.8B	$2.4B	-$6.0B	$2.6B	$2.7B	$2.8B	$2.5B	$2.8B
Operating Margin	31.3%	31.3%	38.9%	4.8%	-71.2%	7.6%	37.6%	15.3%	28.7%	32.0%
EBITDA Margin	21.1%	21.0%	17.4%	44.3%	-21.4%	7.6%	9.0%	14.1%	10.5%	13.2%
	—	$461M	$418M	$329M	$256M	$278M	$257M	$223M	$241M	$235M
	—	$722M	$349M	—	$569M	$388M	$220M	$437M	$240M	$461M
	$2.3B	$2.3B	$2.6B	$2.3B	$3.4B	$2.2B	$2.3B	$2.1B	$2.0B	$2.1B
Net Margin	7.9%	7.9%	7.9%	41.4%	151.4%	6.4%	7.4%	10.8%	8.5%	9.9%
	-	-	-	-	$6.72	$4.11	$4.42	$3.05	$3.51	$4.05
Diluted EPS	-	-	-	-	$6.72	$4.11	$4.42	$3.05	$3.51	$4.05

Line Item

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

$26.8B

$33.3B

$5.5B

$27.9B

$34.0B

$30.6B

$19.8B

$23.3B

$21.3B

$13.2B

$13.3B

$5.5B

$13.3B

$11.8B

$9.9B

$1.6B

$4.1B

$3.7B

Gross Margin

32.0%

39.8%

100.0%

144.2%

57.8%

32.3%

8.3%

17.6%

17.5%

—

$6.9B

$12.9B

$262M

$4.2B

$14.5B

$11.5B

$3.0B

$6.7B

$6.8B

EBIT

$6.9B

$12.9B

$262M

$4.2B

$14.5B

$11.5B

$3.0B

$6.7B

$6.8B

EBITDA

$5.6B

$5.8B

$2.4B

-$6.0B

$2.6B

$2.7B

$2.8B

$2.5B

$2.8B

Operating Margin

31.3%

38.9%

4.8%

-71.2%

7.6%

37.6%

15.3%

28.7%

32.0%

EBITDA Margin

21.1%

21.0%

17.4%

44.3%

-21.4%

7.6%

9.0%

14.1%

10.5%

13.2%

—

$461M

$418M

$329M

$256M

$278M

$257M

$223M

$241M

$235M

—

$722M

$349M

—

$569M

$388M

$220M

$437M

$240M

$461M

$2.3B

$2.6B

$2.3B

$3.4B

$2.2B

$2.3B

$2.1B

$2.0B

$2.1B

Net Margin

7.9%

41.4%

151.4%

6.4%

7.4%

10.8%

8.5%

9.9%

$6.72

$4.11

$4.42

$3.05

$3.51

$4.05

Diluted EPS

$6.72

$4.11

$4.42

$3.05

$3.51

$4.05

SUN LIFE FINANCIAL INC (SLF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does SUN LIFE FINANCIAL INC Do?

Sun Life Financial Inc., a financial services company, provides insurance, wealth, and asset management solutions to individuals and corporate clients worldwide. It offers term and permanent life, as well as personal health, dental, critical illness, long-term care, and disability insurance products. The company also provides reinsurance products; investment counselling and portfolio management services; mutual funds and segregated funds; trust and banking services; real estate property brokerage and appraisal services; and merchant banking services. It distributes its products through direct sales agents, managing and independent general agents, financial intermediaries, broker-dealers, banks, pension and benefits consultants, and other third-party marketing organizations. The company was founded in 1871 and is headquartered in Toronto, Canada. SUN LIFE FINANCIAL INC (SLF) is classified as a large-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Kevin D. Strain and employs approximately 29,200 people, headquartered in Toronto, Ontario. With a market capitalization of $34.0B, SLF is one of the prominent companies in the Financials sector.

SUN LIFE FINANCIAL INC (SLF) Stock Rating — Hold (April 2026)

As of April 2026, SUN LIFE FINANCIAL INC receives a Hold rating with a composite score of 44.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SLF ranks #1,786 out of 4,446 stocks in our coverage universe. Within the Financials sector, SUN LIFE FINANCIAL INC ranks #523 of 900 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SLF Stock Price and 52-Week Range

SUN LIFE FINANCIAL INC (SLF) currently trades at $63.62. The 52-week high for SLF is $69.67, which means the stock is currently trading -8.7% from its annual peak. The 52-week low is $52.44, putting the stock 21.3% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is SLF Overvalued or Undervalued? — Valuation Analysis

SUN LIFE FINANCIAL INC (SLF) carries a value factor score of 94/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The price-to-book ratio stands at 1.93x, versus the sector average of 1.19x. The price-to-sales ratio is 0.32x, compared to 0.89x for the average Financials stock. On an enterprise value basis, SLF trades at 1.31x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, SUN LIFE FINANCIAL INC appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

SUN LIFE FINANCIAL INC Profitability — ROE, Margins, and Quality Score

SUN LIFE FINANCIAL INC (SLF) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 50.6%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 3.6% versus the sector average of 1.3%.

On a margin basis, SUN LIFE FINANCIAL INC reports gross margins of 32.0%. The operating margin is 31.3% (sector: 21.8%). Net profit margin stands at 7.9%, versus 17.8% for the average Financials stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

SLF Debt, Balance Sheet, and Financial Health

SUN LIFE FINANCIAL INC has a debt-to-equity ratio of 24.0%, compared to the Financials sector average of 118.5%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $4.43B. Cash and equivalents stand at $9.63B.

SLF has a beta of 0.46, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for SUN LIFE FINANCIAL INC is 93/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

SUN LIFE FINANCIAL INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, SUN LIFE FINANCIAL INC reported revenue of $26.83B. Net income for the quarter was $2.29B. Gross margin was 32.0%. Operating income came in at $6.89B.

In FY 2024, SUN LIFE FINANCIAL INC reported revenue of $26.83B. Net income for the quarter was $2.29B. Gross margin was 32.0%. Revenue grew -19.4% year-over-year compared to FY 2023. Operating income came in at $6.89B.

In FY 2023, SUN LIFE FINANCIAL INC reported revenue of $33.28B. Net income for the quarter was $2.63B. Gross margin was 39.8%. Revenue grew 504.8% year-over-year compared to FY 2022. Operating income came in at $12.95B.

In FY 2022, SUN LIFE FINANCIAL INC reported revenue of $5.50B. Net income for the quarter was $2.28B. Gross margin was 100.0%. Revenue grew -80.3% year-over-year compared to FY 2021. Operating income came in at $262M.

Over the past 8 quarters, SUN LIFE FINANCIAL INC has demonstrated a growth trajectory, with revenue expanding from $19.78B to $26.83B. Investors analyzing SLF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SLF Dividend Yield and Income Analysis

SUN LIFE FINANCIAL INC (SLF) does not currently pay a dividend. This is common among growth-oriented companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

SLF Momentum and Technical Analysis Profile

SUN LIFE FINANCIAL INC (SLF) has a momentum factor score of 50/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 39/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 18/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

SLF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, SUN LIFE FINANCIAL INC (SLF) ranks #523 out of 900 stocks based on the Blank Capital composite score. This places SLF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) with a score of 62.6/100, WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 63.3/100, PARKE BANCORP, INC. (PKBK) with a score of 60.5/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.3/100, and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) with a score of 57.6/100.

Comparing SLF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SLF vs S&P 500 (SPY) comparison to assess how SUN LIFE FINANCIAL INC stacks up against the broader market across all factor dimensions.

SLF Next Earnings Date

No upcoming earnings date has been announced for SUN LIFE FINANCIAL INC (SLF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SLF? — Investment Thesis Summary

SUN LIFE FINANCIAL INC presents a balanced picture with arguments on both sides. The quality score of 10/100 flags below-average profitability. The value score of 94/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 93/100) reduces downside risk.

In summary, SUN LIFE FINANCIAL INC (SLF) earns a Hold rating with a composite score of 44.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SLF stock.

Related Resources for SLF Investors

Explore more research and tools: SLF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SLF head-to-head with peers: SLF vs UVE, SLF vs WTM, SLF vs PKBK.

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SUN LIFE FINANCIAL INC (SLF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does SUN LIFE FINANCIAL INC Do?

SUN LIFE FINANCIAL INC (SLF) Stock Rating — Hold (April 2026)

SLF Stock Price and 52-Week Range

Is SLF Overvalued or Undervalued? — Valuation Analysis

SUN LIFE FINANCIAL INC Profitability — ROE, Margins, and Quality Score

SLF Debt, Balance Sheet, and Financial Health

SUN LIFE FINANCIAL INC Revenue and Earnings History — Quarterly Trend

SLF Dividend Yield and Income Analysis

SLF Momentum and Technical Analysis Profile

SLF vs Competitors — Financials Sector Ranking and Peer Comparison

SLF Next Earnings Date

Should You Buy SLF? — Investment Thesis Summary

Related Resources for SLF Investors

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Sun Life expands alts footprint with new SLC Management CEO, flurry of deals

Sun Life Fully Acquires BGO and Crescent to Bolster Alternatives Platform

The Bull Case For Sun Life Financial (TSX:SLF) Could Change Following Earnings Beat And Governance Refresh - Learn Why

Allianz, Sun Life weigh bids for HSBC Singapore insurance business, Bloomberg News reports

Apartment giant with big metro Atlanta presence bought for $350 million