Sun Life Financial Inc (SLF) Fair Value & Analysis
Financial Services · US · Market cap $43.0B
Sun Life Financial Inc
SLF · US
Fair value as of: Jul 27, 2026
From 6 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $61.89 to $62.35 (+0.7%) since Jun 26, 2026. Share price +3.2% over the past month.
A solid business, but screening 24% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($77.94). The favourable scenario is already priced in.
- Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $33.18 – $84.07 · fair‑value band $46.77 – $77.94 · the $81.91 price screens above the $62.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Sun Life Financial Inc (SLF) currently trades at $81.91, while our model-based Fair Value estimate is $62.35, implying the stock looks roughly 23.9% overvalued today. The Quality Score stands at 68/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Sun Life Financial Inc generated revenue of $34.9B at a net margin of 8.9%. Revenue grew 0.2% year over year. It earns a return on equity of 12.0%. Net debt stands at $12.4B. Fundamentals as of Jul 27, 2026
Our scenario range runs from $46.77 (bear case) to $77.94 (bull case); at $81.91, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 52% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -24%, SLF screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($63.72) versus Asset-Based ($30.49). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 80
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Sun Life Financial Inc., a financial services company, provides asset management, wealth, insurance and health solutions to individual and institutional customers in Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia, and Bermuda.
Full company description
Sun Life Financial Inc., a financial services company, provides asset management, wealth, insurance and health solutions to individual and institutional customers in Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia, and Bermuda. It offers various insurance products, such as term and permanent life; personal health, which includes prescription drugs, dental, and vision care; critical illness; long-term care; and disability. The company also provides investments products, such as mutual funds, segregated funds, annuities, and guaranteed investment products; financial planning services; and asset management products, including pooled funds, institutional portfolios and pension funds. The company was formerly known as Sun Life Financial Services of Canada Inc. and changed its name to Sun Life Financial Inc. in July 2003. Sun Life Financial Inc. was founded in 1871 and is headquartered in Toronto, Canada.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Sun Life Financial Inc reported revenue of $42.2B in FY2025 versus $35.7B in FY2021, a compound +4.3%/yr. Reported net income was $3.7B in FY2025, compounding −3.8%/yr from FY2021.
SLF screens 24% overvalued. Compare with Berkshire Hathaway Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Sun Life (TSX:SLF) Stock Could Be Cheap On Value Yet Expensive On Earnings
- Sun Life Financial (TSX:SLF) Adds A Director, Where Does Fair Value Sit?
- Sun Life Appoints Katherine Lee to Board of Directors
- Sun Life (SLF) Earnings Expected to Grow: Should You Buy?
Peer Group
Insurance - Diversified · 84 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
| ICICI Lombard General Insurance Company ICICIGI | ₹1,624 | ₹721.66 | -56% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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