Sun Life Financial, Inc.
SLF
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+ FollowMarket Cap$45.03B
Close$
Earnings Call Q4 2024
February 13, 2025 - AI Summary
Strong Q4 Performance with Mixed Results: Sun Life reported Q4 underlying earnings of $965 million, down 2% year-over-year, primarily due to weaker U.S. results from adverse morbidity experience in the stop-loss health insurance segment. Full-year underlying net income increased 3% to $3.9 billion, marking solid growth despite challenges in certain areas.
U.S. Stop-Loss Claims and Pricing Actions: The U.S. medical stop-loss business saw a significant spike in claims severity, resulting in a full-year loss ratio of 74%, slightly above the target of 73%. The company has implemented price increases averaging 14% effective January 1, 2025, and additional underwriting actions to mitigate future risks, but some pressure from severity may persist.
Record Capital Raising and Asset Management Success: SLC Management raised a record $10 billion in Q4, bringing full-year total capital raising to $24 billion, highlighting strong fundamentals across its wealth management segments despite net outflows at MFS. This reflects an opportunity for future growth as investor sentiment may shift positively toward solid real estate and alternative investments.
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$51.80
35.2% downside
Current Fair Value
35.2% downsideOvervalued by 35.2% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $45.03 Billion |
|---|---|
| Enterprise Value | $45.26 Billion |
| Dividend Yield | $2.71 (3.30%) |
| Earnings per Share | $6.16 |
| Beta | 0.8 |
| Outstanding Shares | 554,000,000 |
Return
| Return on Equity | 13.32% |
|---|---|
| Return on Assets | 0.83% |
| Return on Invested Capital | 0.84% |
Valuation & Multiples
| P/E Ratio | 19.19 |
|---|---|
| PEG | 49.11 |
| Price to Sales | 1.1 |
| Price to Book Ratio | 1.67 |
| Enterprise Value to Revenue | 1.11 |
| Enterprise Value to EBIT | 12.77 |
| Enterprise Value to Net Income | 12 |
| Total Debt to Enterprise | 0.2 |
| Debt to Equity | 0.34 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
August 6, 2026
EPS Estimate
$1.39
Average shareholder expectationRevenue Estimate
$994.33 M
Average shareholder expectationNext Earnings Call
Expected Date
November 4, 2026
EPS Estimate
$1.45
Average shareholder expectationRevenue Estimate
$1.01 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 2.6305▼ 18.41% |
|---|---|
| Total Calls | 2,201,500▲ 1.99% |
| Total Puts | 5,791,100▼ 4.68% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 45.77%▲ 2.34% |
|---|---|
| Total Invested | $20.13B▲ 29.02% |
| Investors Holding | 515▲ 52.00% |
ESG Score
No data
About Sun Life Financial, Inc.
40,600 employees
CEO: Dean Connor Sun Life is a leading international financial services organization providing a diverse range of insurance, wealth and asset management solutions to individuals and corporate Clients. Sun Life Financial has operations in a number of mark...