US · SLF
Sun Life Financial Inc.
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Toronto, ON M5J 0B6
- Website
- sunlife.com
Price · as of 2025-12-31
$72.32
Market cap 36.34B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $42.30 | -41.51% |
| Intrinsic Value(DCF) | $152,371.03 | +210,590.03% |
| Graham-Dodd Method(GD) | $3.50 | -95.16% |
| Graham Formula(GF) | $137.30 | +89.85% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $12.52 | $5.01 | $0.00 | $0.80 | $0.10 |
| 2012 | $17.35 | $6.94 | $0.00 | $13.00 | $0.00 |
| 2013 | $22.71 | $9.08 | $0.00 | $7.90 | $0.00 |
| 2014 | $20.79 | $12.36 | $110.65 | $12.70 | $198.40 |
| 2015 | $21.79 | $12.20 | $0.00 | $16.90 | $0.00 |
| 2016 | $26.30 | $16.74 | $579.32 | $17.10 | $178.90 |
| 2017 | $31.39 | $13.51 | $0.00 | $14.30 | $30.80 |
| 2018 | $28.75 | $13.23 | $0.00 | $17.10 | $1.60 |
| 2019 | $33.50 | $13.40 | $164.86 | $16.40 | $189.60 |
| 2020 | $42.79 | $22.37 | $230.34 | $21.60 | $57.60 |
| 2021 | $45.41 | $18.16 | $2.00 | $24.70 | $0.00 |
| 2022 | $41.68 | $24.38 | $19.22 | $5.10 | $0.00 |
| 2023 | $51.59 | $69.75 | $891.40 | $12.50 | $3,681.90 |
| 2024 | $54.48 | $21.79 | $326.96 | $3.70 | $12.40 |
| 2025 | $65.21 | $59.08 | $2,181.60 | $3.50 | $137.30 |
AI valuation
Our deep-learning model estimates Sun Life Financial Inc.'s (SLF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $42.30
- Current price
- $72.32
- AI upside
- -41.51%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$152,371.03
+210,590.03% upside
Graham-Dodd
$3.50
-95.16% upside
Graham Formula
$137.30
+89.85% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SLF | Sun Life Financial Inc. | $72.32 | 36.34B | -18% | +210,590% | -95% | +90% | 14.71 | 2.13 | 1.24 | 12.13 | 88.06 | 5.30 | 100.00% | 11.37% | 8.87% | 14.03% | 14.53% | 0.92% | 0.90 | 9.12 | — | — | 2.32 | 1670.00% | 2229.00% | 46936.00% | 26.07% | — | 52.31% | 3.95% | 58.10% | 7.22% | 13.46 | 4.74 | 1.53 | 0.32 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| ACGLO | Arch Capital Group Ltd. | $20.79 | 12.12B | +520% | +935% | +493% | +1,178% | 1.75 | 0.32 | 0.40 | 1.72 | 45.58 | 0.34 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 79.54% | 0.83 | 30.50% | 0.61% | 1.10% | 25.30% | 1.83 | 1.54 | 0.49 | 1.24 |
| AEG | Aegon Ltd. | $7.50 | 11.36B | +109% | +560% | -65% | +201% | 15.96 | 1.15 | 0.54 | -67.18 | — | 1.22 | 100.00% | 3.37% | 3.52% | 7.89% | -3.69% | 0.21% | 0.54 | 109.50 | 4.14 | 8.47 | 2.40 | -35000.00% | 5040.00% | -1101.00% | 6.75% | 0.10 | -3.99% | 4.95% | 78.90% | 13.73% | -64.93 | -60.00 | -2.19 | 0.19 |
| AIG | American International Gr… | $80.49 | 43.43B | -24% | -14% | -15% | -56% | 14.80 | 1.11 | 1.71 | 2.15 | 23.84 | 1.29 | 34.51% | 14.49% | 11.56% | 7.40% | -37.88% | 1.92% | 0.22 | 9.80 | 0.85 | 0.85 | 1.02 | 6209.00% | -182.00% | 125.00% | 7.23% | 0.03 | -40.54% | 2.13% | 31.50% | 14.86% | 4.29 | 5.02 | 0.62 | 0.69 |
| EQH | Equitable Holdings, Inc. | $40.22 | 11.52B | +117% | -60% | — | — | -8.75 | -163.11 | 1.03 | 120.56 | — | -2.24 | 79.14% | -10.23% | -11.83% | -182.66% | 1.36% | -0.45% | -61.78 | -5.33 | 25.50 | 111.88 | 133.02 | -22778.00% | -621.00% | 7199.00% | 21.16% | 1.83 | -3.36% | 0.00% | 0.00% | 1066.37% | 97.92 | -45.74 | -10.01 | 0.21 |
| GSHD | Goosehead Insurance, Inc | $54.20 | 1.35B | +155% | -27% | — | -51% | 31.09 | -14.47 | 3.78 | 20.38 | — | -10.22 | 46.25% | 20.38% | 7.62% | -172.24% | 31.25% | 10.94% | -4.22 | 3.13 | 7.60 | 20.55 | 4.30 | -1034.00% | 1615.00% | 2200.00% | 6.23% | 7.87 | 41.33% | 10.55% | 328.00% | 16.46% | 23.52 | 20.34 | 4.79 | 2.68 |
| HIG | The Hartford Financial Se… | $140.83 | 39.28B | -24% | -46% | -32% | +45% | 10.44 | 2.11 | 1.42 | 7.46 | 36.39 | 2.43 | 46.08% | 16.84% | 13.57% | 21.66% | 21.66% | 4.60% | 0.23 | 23.92 | 17.65 | 17.65 | 0.79 | 2870.00% | 710.00% | -19.00% | 14.36% | 9.68 | 32.48% | 1.53% | 16.00% | 5.56% | 8.39 | 6.94 | 1.41 | 1.41 |
| IGIC | International General Ins… | $25.20 | 1.11B | +62% | +19% | -16% | +117% | 7.52 | 1.55 | 1.93 | 4.72 | 44.61 | 1.73 | 43.79% | 25.15% | 25.70% | 22.62% | 50.55% | 7.61% | 0.01 | — | 1.00 | 1.30 | -1.14 | 1686.00% | 1024.00% | 490.00% | 19.94% | 0.32 | 77.51% | 2.61% | 19.60% | 4.88% | 4.84 | 3.16 | 1.22 | 1.28 |
| ORI | Old Republic Internationa… | $42.87 | 10.61B | -36% | -18% | -35% | +62% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
About Sun Life Financial Inc.
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.
- CEO
- Kevin David Strain
- Employees
- 31.77K
- Beta
- 0.82
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($152,371.03 ÷ $72.32) − 1 = +210,590.03% (DCF, example).