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Sun Life Financial Inc. (SLF)
NYSE:SLF
US Market

Sun Life Financial (SLF) Ratios

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Sun Life Financial Ratios

SLF's free cash flow for Q4 2025 was C$0.54. For the 2025 fiscal year, SLF's free cash flow was decreased by C$ and operating cash flow was C$0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
2.78 2.78 0.90 3.23 2.99
Quick Ratio
2.78 2.78 0.90 3.23 2.99
Cash Ratio
0.65 0.65 0.36 1.21 2.25
Solvency Ratio
0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
0.19 0.19 0.09 0.61 0.86
Short-Term Operating Cash Flow Coverage
1.53 1.53 1.10 2.41 0.00
Net Current Asset Value
C$ -331.39BC$ -331.39BC$ -319.50BC$ -279.14BC$ -286.63B
Leverage Ratios
Debt-to-Assets Ratio
0.05 0.05 0.04 0.04 0.04
Debt-to-Equity Ratio
0.74 0.74 0.58 0.56 0.49
Debt-to-Capital Ratio
0.43 0.43 0.37 0.36 0.33
Long-Term Debt-to-Capital Ratio
0.39 0.39 0.31 0.30 0.27
Financial Leverage Ratio
15.79 15.79 14.23 14.13 12.05
Debt Service Coverage Ratio
1.83 1.83 1.34 1.40 9.11
Interest Coverage Ratio
9.12 9.12 6.53 7.12 8.15
Debt to Market Cap
0.37 0.37 0.28 0.31 0.27
Interest Debt Per Share
34.74 34.31 27.08 23.60 23.61
Net Debt to EBITDA
1.71 1.71 0.98 0.47 0.47
Profitability Margins
Gross Profit Margin
18.45%13.85%14.04%11.86%118.72%
EBIT Margin
13.85%13.85%14.51%12.33%118.72%
EBITDA Margin
13.85%13.85%14.51%12.33%134.12%
Operating Profit Margin
12.48%12.48%12.58%10.81%105.75%
Pretax Profit Margin
12.48%12.48%12.58%10.81%105.75%
Net Profit Margin
9.74%9.74%9.20%9.20%88.19%
Continuous Operations Profit Margin
9.84%9.84%9.57%9.54%89.82%
Net Income Per EBT
78.05%78.05%73.08%85.06%83.40%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.94%0.94%0.86%1.00%0.91%
Return on Equity (ROE)
14.68%14.84%12.17%14.18%11.02%
Return on Capital Employed (ROCE)
1.25%1.25%1.27%1.21%1.11%
Return on Invested Capital (ROIC)
0.98%0.98%0.89%1.05%2.81%
Return on Tangible Assets
0.98%0.98%0.89%1.05%0.95%
Earnings Yield
7.74%7.76%6.42%8.30%8.21%
Efficiency Ratios
Receivables Turnover
3.44 3.44 12.54 15.06 0.00
Payables Turnover
14.65 15.48 11.58 12.85 -0.27
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
26.63 26.63 24.61 25.05 2.52
Asset Turnover
0.10 0.10 0.09 0.11 0.01
Working Capital Turnover Ratio
1.94 3.24 3.89 2.38 0.31
Cash Conversion Cycle
81.18 82.51 -2.40 -4.16 1.34K
Days of Sales Outstanding
106.09 106.09 29.11 24.24 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
24.91 23.58 31.51 28.40 -1.34K
Operating Cycle
106.09 106.09 29.11 24.24 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
5.03 4.97 4.37 9.58 7.36
Free Cash Flow Per Share
4.77 4.71 4.13 9.28 13.65
CapEx Per Share
0.26 0.26 0.25 0.29 6.29
Free Cash Flow to Operating Cash Flow
0.95 0.95 0.94 0.97 1.86
Dividend Paid and CapEx Coverage Ratio
1.27 1.27 1.20 2.73 0.80
Capital Expenditure Coverage Ratio
19.30 19.30 17.71 32.63 1.17
Operating Cash Flow Coverage Ratio
0.15 0.15 0.17 0.42 0.32
Operating Cash Flow to Sales Ratio
0.07 0.07 0.07 0.15 1.26
Free Cash Flow Yield
5.51%5.50%4.83%13.51%21.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
12.92 12.88 15.58 12.05 12.18
Price-to-Sales (P/S) Ratio
1.25 1.25 1.43 1.11 10.74
Price-to-Book (P/B) Ratio
1.92 1.91 1.90 1.71 1.34
Price-to-Free Cash Flow (P/FCF) Ratio
18.16 18.18 20.69 7.40 4.60
Price-to-Operating Cash Flow Ratio
17.29 17.23 19.52 7.18 8.54
Price-to-Earnings Growth (PEG) Ratio
0.77 0.77 82.28 1.55 -0.45
Price-to-Fair Value
1.92 1.91 1.90 1.71 1.34
Enterprise Value Multiple
10.76 10.77 10.85 9.45 8.48
Enterprise Value
57.29B 57.34B 54.30B 42.38B 39.00B
EV to EBITDA
10.76 10.77 10.85 9.45 8.48
EV to Sales
1.49 1.49 1.57 1.17 11.37
EV to Free Cash Flow
21.59 21.61 22.73 7.79 4.88
EV to Operating Cash Flow
20.47 20.49 21.45 7.55 9.05
Tangible Book Value Per Share
19.18 18.94 20.06 17.16 27.22
Shareholders’ Equity Per Share
45.37 44.81 45.00 40.24 46.84
Tax and Other Ratios
Effective Tax Rate
0.21 0.21 0.24 0.12 0.15
Revenue Per Share
69.15 68.29 59.56 62.04 5.85
Net Income Per Share
6.74 6.65 5.48 5.70 5.16
Tax Burden
0.78 0.78 0.73 0.85 0.83
Interest Burden
0.90 0.90 0.87 0.88 0.89
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.00 0.00 1.49
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.02 0.12
Income Quality
0.63 0.58 0.58 1.43 1.10
Currency in CAD