SUN-LIFE HOLDING CO., LTD. (7040) AI Stock Analysis

• Market Cap: ¥6.47B
• Dividend Yield: 3.47%
• Average Volume (3M): 1.86K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.25
• Revenue Growth: 3.40%
• EPS Growth: -25.64%
• Country: JP
• Employees: 477
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Personal Products & Services
• EPS (TTM): 26.72
• Shares Outstanding: 6,820,000
• 10 Day Avg. Volume: 2,350
• 30 Day Avg. Volume: 1,863
• PEG Ratio: -0.28
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.42
• P/FCF Ratio: 6.97
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: ¥1,188.00 ▲(25.58% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 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 reduces financial risk and interest expense, giving management durable flexibility to fund capex, facility expansion, or dividends from operating cash. This strengthens resilience to reimbursement swings and supports long-term strategic investments in care services.

Negative Factors

Uneven cash conversion

FCF lagging net income and swings in operating cash flow reduce internal funding reliability for capex, acquisitions, or payouts. Variable cash conversion increases sensitivity to working-capital and reimbursement timing, constraining capital allocation and raising execution risk over the medium term.

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,...

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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,...

How the Company Makes Money

SUN-LIFE HOLDING CO., LTD. generates revenue primarily by operating nursing care facilities and providing associated services. Income is derived from fees charged for residential care in nursing homes, day-service programs, home-visit nursing care...

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SUN-LIFE HOLDING CO., LTD. generates revenue primarily by operating nursing care facilities and providing associated services. Income is derived from fees charged for residential care in nursing homes, day-service programs, home-visit nursing care...

SUN-LIFE HOLDING CO., LTD. Financial Statement Overview

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

• Technical Analysis Sentiment: Positive
• Last Price: 946.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7040, the sentiment is Positive. The current price of 946 is below the 20-day moving average (MA) of 1060.42, below the 50-day MA of 1038.86, and below the 200-day MA of 953.47, indicating a neutral trend. The MACD of 1.88 indicates Positive momentum. The RSI at 51.17 is Neutral, neither overbought nor oversold. The STOCH value of 48.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7040.

SUN-LIFE HOLDING CO., LTD. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7040	75 Outperform	¥6.47B	8.94	―	3.47%	3.40%	-25.64%
9160	65 Neutral	¥11.99B	6.24	―	―	12.19%	28.25%
6571	62 Neutral	¥18.53B	37.68	―	2.53%	4.71%	-0.41%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
7372	57 Neutral	¥1.92B	1.82	―	―	8.17%	37.03%
4331	52 Neutral	¥10.32B	5.24	―	5.06%	0.36%	81.58%
4679	41 Neutral	¥2.25B	11.92	―	―	-6.45%	99.39%