ScoreWhy is Sun Life Financial, Inc. ?
1
Strong Long Term Fundamental Strength with a 14.87% CAGR growth in Operating Profits
2
With ROE of 12.35%, it has a very attractive valuation with a 2.37 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 25.01%, its profits have fallen by -4.7%
3
High Institutional Holdings at 48.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Sun Life Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Sun Life Financial, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Sun Life Financial, Inc.
-100.0%
7.16
19.99%
S&P/TSX 60
29.6%
2.31
12.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.42%
EBIT Growth (5y)
14.87%
EBIT to Interest (avg)
0.13
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
23.25%
Dividend Payout Ratio
57.08%
Pledged Shares
0
Institutional Holding
48.13%
ROCE (avg)
1.05%
ROE (avg)
12.40%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
2.37
EV to EBIT
NA
EV to EBITDA
EV to Capital Employed
2.70
EV to Sales
1.38
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
12.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CAD 16,147 MM
DIVIDEND PER SHARE(HY)
Highest at CAD 0
DIVIDEND PAYOUT RATIO(Y)
Highest at 109.6%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-15What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at -1.69 %
NET SALES(Q)
Lowest at CAD 8,856 MM
INTEREST(Q)
Highest at CAD 163 MM
OPERATING PROFIT(Q)
Lowest at CAD 795 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 8.98 %
PRE-TAX PROFIT(Q)
Lowest at CAD 632 MM
NET PROFIT(Q)
Lowest at CAD 485 MM
EPS(Q)
Lowest at CAD 0.83
Here's what is working for Sun Life Financial, Inc.
Operating Cash Flow
Highest at CAD 16,147 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
Dividend per share
Highest at CAD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CAD)
Dividend Payout Ratio
Highest at 109.6%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Sun Life Financial, Inc.
Interest
At CAD 163 MM has Grown at 22.56%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (CAD MM)
Pre-Tax Profit
At CAD 632 MM has Fallen at -47.31%
over average net sales of the previous four periods of CAD 1,199.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (CAD MM)
Net Profit
At CAD 485 MM has Fallen at -45.37%
over average net sales of the previous four periods of CAD 887.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (CAD MM)
Net Sales
Lowest at CAD 8,856 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CAD MM)
Net Sales
At CAD 8,856 MM has Fallen at -15.46%
over average net sales of the previous four periods of CAD 10,475 MMMOJO Watch
Near term sales trend is negative
Net Sales (CAD MM)
Interest
Highest at CAD 163 MM
in the last five periods and Increased by 22.56% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (CAD MM)
Operating Profit
Lowest at CAD 795 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CAD MM)
Operating Profit Margin
Lowest at 8.98 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at CAD 632 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CAD MM)
Net Profit
Lowest at CAD 485 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CAD MM)
EPS
Lowest at CAD 0.83
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CAD)
Debt-Equity Ratio
Highest at -1.69 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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