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STOCK COMPARISON

Allianz SE VNA O.N. vs Sun Life Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how Allianz SE VNA O.N. (ALV) and Sun Life Financial (SLF) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while Sun Life Financial trades at $79.96 versus $41.22 (-48%).
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-41%
upside to fair value
overvalued
Price€413
Fair Value€242
Quality63/100
Sun Life Financial
SLF · USD · Financials
-48%
upside to fair value
overvalued
Price$79.96
Fair Value$41.22
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Allianz SE VNA O.N.Sun Life Financial
Valuation
13.4×P/E (TTM)21.1×
1.53×P/S (TTM)1.31×
2.82×P/B1.81×
9.1×EV/EBITDA10.1×
2.93×PEG1.42×
−41.3%Fair value upside−48.4%
4.0%Dividend yield4.5%
n/aDividend per share$3.60
Profitability
19%Operating margin8%
0.61×EBIT margin trend (5Y)1.50×
19%Return on equity12%
1%Return on assets1%
Growth
9%Revenue growth (YoY)0%
3.1%Avg. growth/yr (3Y)n/a
3.0%Avg. growth/yr (5Y)-0.5%
+15.7%Value creation/yr+10.3%
Balance & size
20.4×Interest coverage (EBIT/interest)9.1×
0.52×Debt / equity0.64×
$177BMarket cap$46B
mixedGrowth qualityweak

Allianz SE VNA O.N. leads: 9 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Allianz SE VNA O.N.of which business quality 57 · market factors 71 Sun Life Financialof which business quality 60 · market factors 75
ProfitabilityMargins and returns on capital today
30
29
Quality GrowthAre margins and returns improving?
46
66
CashflowEarnings quality: real cash, not paper profit
94
100
Fin. StrengthBalance sheet, leverage, solvency risk
10
8
InvestmentDisciplined investing over empire-building
87
89
Low VolatilityCalm price path (market factor)
90
84
MomentumPrice trend over the last 3–12 months (market factor)
63
67
52W MomentumDistance to the 52-week high (market factor)
64
80
Net IssuanceShare count: buybacks or dilution?
100
94

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyAllianz SE VNA O.N.Price €413Sun Life FinancialPrice $79.96
Dividend Discount-50%below the price€208-18%below the price$65.46
Multiples-27%below the price€300-5%close to the price$75.74
Asset-Based-73%below the price€111-62%below the price$30.49
Economic Profit-44%below the price€230-28%below the price$57.54
Minimum-73%below the price€111-62%below the price$30.49
Maximum-27%below the price€300-5%close to the price$75.74
Median-47%below the price€219-23%below the price$61.50
Geometric mean-52%below the price€200-32%below the price$54.31

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Allianz SE VNA O.N.: 6 of 6 models see the stock below the current price.

Sun Life Financial: 5 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Allianz SE VNA O.N.
Price €413
Fair Value €242
Bear €194Bull €333
Sun Life Financial
Price $79.96
Fair Value $41.22
Bear $30.41Bull $83.74

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Allianz SE VNA O.N. · Financials

Quality score63 · Top 25%
Fair value upside-41% · bottom 25%

Sun Life Financial · Financials

Quality score65 · Top 25%
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while Sun Life Financial trades at $79.96 versus $41.22 (-48%).

Sun Life Financial has the higher quality score (65/100).

Open Allianz SE VNA O.N. live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.