SUN-LIFE HOLDING CO., LTD. (JP:7040)
:7040
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SUN-LIFE HOLDING CO., LTD.
(7040)
Select Model
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Rating:75Outperform
Price Target:
¥1,190.00
▲(25.79% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by strong financial quality (especially a debt-free balance sheet and improved profitability) and attractive valuation (low P/E with a solid dividend). These positives are tempered by only neutral technical conditions and some variability in profitability and cash-flow conversion.
Positive Factors
Debt-free balance sheet
A zero-debt balance sheet materially lowers financial risk and interest burden, giving management durable flexibility to fund capex, dividends, or opportunistic M&A from internal resources. Combined with growing equity and solid ROE recently, this supports long-term resilience and optionality.
Negative Factors
Weak free cash flow conversion
Free cash flow conversion at roughly 61% of net income indicates earnings are not fully translating into cash. Persistent conversion shortfalls can limit reinvestment, constrain dividend sustainability, and raise questions about the quality and durability of reported profits over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A zero-debt balance sheet materially lowers financial risk and interest burden, giving management durable flexibility to fund capex, dividends, or opportunistic M&A from internal resources. Combined with growing equity and solid ROE recently, this supports long-term resilience and optionality.
Read all positive factors
SUN-LIFE HOLDING CO., LTD. (7040) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.56B
Dividend Yield3.47%
Average Volume (3M)1.86K
Price to Earnings (P/E)8.9
Beta (1Y)0.26
Revenue Growth3.40%
EPS Growth-25.64%
CountryJP
Employees477
SectorConsumer Cyclical
Sector Strength84
IndustryPersonal Products & Services
Share Statistics
EPS (TTM)26.72
Shares Outstanding6,820,000
10 Day Avg. Volume2,350
30 Day Avg. Volume1,863
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)0.88
Price to Sales (P/S)0.42
P/FCF Ratio6.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SUN-LIFE HOLDING CO., LTD. Business Overview & Revenue Model
Company Description
SUN-LIFE HOLDING CO., LTD. (7040) operates within the financial services sector, specializing in insurance solutions and related financial products. The company offers a wide range of insurance services, including life insurance, health insurance,...
SUN-LIFE HOLDING CO., LTD. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
88
Very Positive
Cash Flow
62
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.95B | 13.86B | 13.50B | 12.60B | 11.06B | 10.32B |
| Gross Profit | 3.52B | 3.54B | 3.41B | 3.01B | 2.50B | 2.11B |
| EBITDA | 2.04B | 2.03B | 1.94B | 1.57B | 1.11B | 806.88M |
| Net Income | 834.77M | 835.46M | 1.12B | 357.12M | 406.18M | 135.29M |
Balance Sheet | ||||||
| Total Assets | 36.06B | 36.16B | 35.83B | 35.15B | 35.29B | 34.93B |
| Cash, Cash Equivalents and Short-Term Investments | 10.23B | 10.72B | 10.63B | 9.55B | 9.55B | 9.45B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 29.39B | 29.55B | 29.83B | 30.07B | 30.39B | 30.20B |
| Stockholders Equity | 6.67B | 6.60B | 6.00B | 5.07B | 4.89B | 4.72B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 835.12M | 1.09B | 136.60M | 372.18M | -523.20M |
| Operating Cash Flow | 0.00 | 1.36B | 1.66B | 728.10M | 928.81M | 371.63M |
| Investing Cash Flow | 0.00 | -1.07B | 204.37M | -515.63M | -945.24M | -908.23M |
| Financing Cash Flow | 0.00 | -198.27M | -490.23M | -207.12M | -45.12M | -45.60M |
SUN-LIFE HOLDING CO., LTD. Technical Analysis
Neutral
946.00
Price Trends
1040.68
Positive
997.79
Positive
960.44
Positive
Market Momentum
7.47
Positive
48.99
Neutral
6.03
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7040, the sentiment is Neutral. The current price of 946 is below the 20-day moving average (MA) of 1076.15, below the 50-day MA of 1040.68, and below the 200-day MA of 960.44, indicating a neutral trend. The MACD of 7.47 indicates Positive momentum. The RSI at 48.99 is Neutral, neither overbought nor oversold. The STOCH value of 6.03 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7040.
SUN-LIFE HOLDING CO., LTD. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥6.56B | 8.94 | ― | 3.47% | 3.40% | -25.64% | |
69 Neutral | ¥9.98B | 5.24 | ― | 5.06% | 0.36% | 81.58% | |
65 Neutral | ¥7.12B | 6.24 | ― | ― | 12.19% | 28.25% | |
62 Neutral | ¥17.63B | 37.68 | ― | 2.53% | 4.71% | -0.41% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
57 Neutral | ¥1.84B | 1.82 | ― | ― | 8.17% | 37.03% | |
47 Neutral | ¥2.54B | 11.92 | ― | ― | -6.45% | 99.39% |
* Consumer Cyclical Sector Average
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.