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Sun Life Financial Inc. (SLF) Stock Analysis

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Diversified

Sell if holding. Engine safety override at $72.79: Quality below floor (3.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality.

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,... Read more

$72.79-0.2% A.UpsideScore 4.8/10#11 of 12 Insurance - Diversified
QualityF-score8 / 9FCF yield-10.34%
IncomeYield3.88%(5y avg 4.09%)Payout67.04%
Stop $70.27Target $72.68(resistance)A.R:R -4.5:1
Analyst target$66.46-8.7%2 analysts
$72.68our TP
$72.79price
$66.46mean
$56
$76

Sell if holding. Engine safety override at $72.79: Quality below floor (3.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 4.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 79d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Recent Developments — Sun Life Financial Inc.

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
No bull case signals
Risks
Target reached (-22.4% upside)
Quality below floor (3.9 < 4.0)

Key Metrics

P/E (TTM)18.7
P/E (Fwd)11.8
Mkt Cap$40.3B
EV/EBITDA-10.1
Profit Mgn8.8%
ROE12.0%
Rev Growth0.2%
Beta0.82
Dividend3.88%
Rating analysts19

Quality Signals

Piotroski F8/9

Options Flow

P/C0.29bullish
IV39%normal
Max Pain$60-17.6% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
0.0
Revenue Growth
2.5

Quality below the gate floor. Component breakdown shows what dragged the score down.static

Fcf Quality
0.0
Roa
0.5
Operating Margin
3.4
Roe
4.0
Gross Margin
4.0
Net Margin
4.4
Current Ratio
5.0
Moat
5.2
Piotroski F
8.9
Earnings quality RED FLAG: -135% FCF/NINo competitive moatStrong Piotroski F-Score: 8/9
GatesA.R:R -4.5=NEGATIVEMomentum 5.0<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.0>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 79d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
57 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $69.23Resistance $74.16

Price Targets

$70
$73
A.Upside-0.2%
A.R:R-4.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-22.4% upside)
! Quality below floor (3.9 < 4.0)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-06 (79d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SLF stock a buy right now?

Sell if holding. Engine safety override at $72.79: Quality below floor (3.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $70.27. Score 4.8/10, moderate confidence.

What is the SLF stock price target?

Take-profit target: $72.68 (-0.2% upside). Prior stop was $70.27. Stop-loss: $70.27.

What are the risks of investing in SLF?

Target reached (-22.4% upside); Quality below floor (3.9 < 4.0).

Is SLF overvalued or undervalued?

Sun Life Financial Inc. trades at a P/E of 18.7 (forward 11.8). TrendMatrix value score: 7.9/10. Verdict: Sell.

What do analysts say about SLF?

19 analysts cover SLF with a consensus score of 3.7/5. Average price target: $66.

What does Sun Life Financial Inc. do?Sun Life Financial Inc., a financial services company, provides asset management, wealth, insurance and health...

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 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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