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Upturn AI SWOT - About
SLF 
Sun Life Financial Inc. (SLF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/15/2025: SLF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $53.73
1 Year Target Price $53.73
| 4 | Strong Buy |
| 5 | Buy |
| 3 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.87% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.65B USD | Price to earnings Ratio 14.17 | 1Y Target Price 53.73 |
Price to earnings Ratio 14.17 | 1Y Target Price 53.73 | ||
Volume (30-day avg) 13 | Beta 0.87 | 52 Weeks Range 50.08 - 66.81 | Updated Date 08/16/2025 |
52 Weeks Range 50.08 - 66.81 | Updated Date 08/16/2025 | ||
Dividends yield (FY) 5.80% | Basic EPS (TTM) 4.1 |
Earnings Date
Report Date 2025-08-07 | When After Market | Estimate 1.8 | Actual 1.79 |
Profitability
Profit Margin 9.69% | Operating Margin (TTM) 12.54% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 13.61% |
Valuation
Trailing PE 14.17 | Forward PE 10.99 | Enterprise Value 33388865142 | Price to Sales(TTM) 0.96 |
Enterprise Value 33388865142 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 1.38 | Enterprise Value to EBITDA - | Shares Outstanding 562108032 | Shares Floating 561864690 |
Shares Outstanding 562108032 | Shares Floating 561864690 | ||
Percent Insiders 0.06 | Percent Institutions 56.96 |
Upturn AI SWOT
Sun Life Financial Inc.
Company Overview
History and Background
Sun Life Financial Inc. was founded in 1865 in Montreal, Canada. Originally known as The Sun Insurance Company of Montreal, it has grown into a leading international financial services organization. Significant milestones include its expansion into the U.S. and other international markets, diversification of its product offerings, and embracing digital transformation.
Core Business Areas
- Sun Life U.S.: Focuses on group benefits, including stop-loss insurance, absence management, and dental coverage, primarily in the U.S.
- Sun Life Canada: Offers a range of insurance and wealth management solutions for individuals and businesses in Canada.
- Sun Life Asset Management: Provides investment solutions and asset management services to institutional and retail clients globally.
- Sun Life Asia: Offers insurance, wealth management, and health solutions across various Asian markets.
Leadership and Structure
Sun Life Financial Inc. is led by CEO Kevin Strain. The organizational structure includes various business units and corporate functions, with a board of directors overseeing overall governance.
Top Products and Market Share
Key Offerings
- Group Benefits (US): Includes stop-loss insurance, absence management, and dental benefits for employers. Competitors include Unum Group (UNM) and The Hartford (HIG). Market share data is difficult to pinpoint exactly, but Sun Life is a major player in the U.S. stop-loss market. Revenue is not precisely reported, but is a significant contributor to US segment revenue.
- Wealth Management Solutions (Canada): Offers a range of investment products and financial planning services for individuals. Competitors include Manulife Financial (MFC) and Great-West Lifeco (GWO.TO). Specific market share data is unavailable, but Sun Life is one of the top providers in Canada. Revenue is not precisely reported, but is a significant contributor to Canada segment revenue.
- Asset Management (Global): Investment solutions for institutional and retail clients. Competitors include BlackRock (BLK) and Vanguard. Specific market share data is unavailable, revenue is not precisely reported, but is a significant contributor to Asset management segment revenue.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, economic conditions, and demographic trends. There is increasing demand for retirement planning, healthcare solutions, and investment products.
Positioning
Sun Life Financial Inc. is a leading international financial services organization with a strong presence in insurance and wealth management. Its competitive advantages include a diversified business model, strong brand recognition, and a focus on customer service.
Total Addressable Market (TAM)
The global financial services market is estimated to be worth trillions of dollars. Sun Life is positioned to capture a share of this TAM by offering a broad range of products and services across multiple geographies.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Diversified Business Model
- Global Presence
- Focus on Digital Innovation
- Strong Capital Position
Weaknesses
- Exposure to Market Volatility
- Reliance on Third-Party Distribution
- Complex Regulatory Environment
- Exposure to Interest Rate Risk
Opportunities
- Growing Demand for Retirement Solutions
- Expanding into Emerging Markets
- Leveraging Technology for Efficiency
- Acquiring Complementary Businesses
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturns
- Cybersecurity Risks
- Fluctuations in Interest Rates
Competitors and Market Share
Key Competitors
- MFC
- GWO.TO
- PRU
- MET
- AIG
Competitive Landscape
Sun Life Financial Inc. has a strong brand reputation and a diversified business model, but faces intense competition from other large financial services companies.
Major Acquisitions
DentaQuest
- Year: 2021
- Acquisition Price (USD millions): 2475
- Strategic Rationale: Expanded Sun Life's U.S. dental benefits business, making it a leading provider in the market. Provided greater scale in US.
Clearstead
- Year: 2024
- Acquisition Price (USD millions):
- Strategic Rationale: Clearstead strengthens SLC Managementu2019s U.S. defined contribution capabilities, enhances its position in the large and growing U.S. retirement market. Terms not disclosed.
Growth Trajectory and Initiatives
Historical Growth: Sun Life has demonstrated steady growth over the past years, driven by expansion into new markets and acquisitions.
Future Projections: Analyst estimates project continued growth for Sun Life, driven by increasing demand for financial services and expansion into emerging markets.
Recent Initiatives: Recent initiatives include investments in digital technology, acquisitions of complementary businesses, and expansion into new markets.
Summary
Sun Life Financial Inc. is a well-established player in the financial services industry, exhibiting strong brand recognition and a diversified business model. Its expansion into new markets and strategic acquisitions have fueled growth. However, the company faces challenges from market volatility, regulatory changes, and intense competition. Sun Life should continue to focus on digital innovation and customer service to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Reports
- Market Analysis Reports
- Analyst Estimates
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial performance data is based on available information and may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sun Life Financial Inc.
Exchange NYSE | Headquaters Toronto, ON, Canada | ||
IPO Launch date 2000-03-23 | President, CEO & Director Mr. Kevin David Strain C.A., CPA | ||
Sector Financial Services | Industry Insurance - Diversified | Full time employees 31768 | Website https://www.sunlife.com |
Full time employees 31768 | Website https://www.sunlife.com | ||
Sun Life Financial Inc., a financial services company, provides asset management, wealth, insurance and health solutions to individual and institutional customers in Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia, and Bermuda. It offers various insurance products, such as term and permanent life; personal health, which includes prescription drugs, dental, and vision care; critical illness; long-term care; and disability. The company also provides investments products, such as mutual funds, segregated funds, annuities, and guaranteed investment products; financial planning and retirement planning services; and asset management products, including pooled funds, institutional portfolios and pension funds. The company was formerly known as Sun Life Financial Services of Canada Inc. and changed its name to Sun Life Financial Inc. in July 2003. Sun Life Financial Inc. was founded in 1871 and is headquartered in Toronto, Canada.
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