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SLFSun Life Financial Inc.Buy Wait5.5·$81.37+0.59%
Buy WaitModerate Confidence
Investment thesis

Sun Life Financial has an 8 out of 9 Piotroski F-Score and has beaten earnings in 3 of the last 4 quarters, but free cash flow is deeply negative relative to net income and price is already above analyst targets, leaving no compelling entry case at current levels.

Thesis pillars

  • Negative Free Cash Flow QualityImproving
  • Price Above Analyst TargetImproving
  • Earnings Consistency Diversified InsurerDeteriorating
  • +1 more pillar — see the Why tab for full reasoning

Full reasoning →

Open full analysis

Sun Life Financial Inc. (SLF) Stock Analysis

Range Bound setup

Buy WaitVALUE-TRAP 1/5GrowthModerate Confidence

Financial Services · Insurance - Diversified

Wait for pullback to $77.34. Weak momentum — blocks BUY_NOW at $81.37. Engine's entry $77.34 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.6% away).

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

$81.37-26.9% A.UpsideScore 5.5/10#8 of 13 Insurance - Diversified
QualityF-score9 / 9FCF yield-30.54%
IncomeYield3.39%(5y avg 4.10%)Payout62.37%
Entry $77.34(Default 5pct Sticky)Stop $74.62Target $82.69(resistance)A.R:R -5.4:1
Analyst target$70.00-14.0%2 analysts
$82.69our TP
$81.37price
$70.00mean
$64

Wait for pullback to $77.34. Weak momentum — blocks BUY_NOW at $81.37. Engine's entry $77.34 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.6% away). Chart setup: RSI 42 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 5.5/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news boost analyst 0.70, earnings proximity 81d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-08-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Nov 4, 202681d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Positive news sentiment (+0.67)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (3.6% away)
Negative momentum

Key Metrics

P/E (TTM)19.2
P/E (Fwd)13.1
Mkt Cap$45.1B
EV/EBITDA-9.9
Profit Mgn9.5%
ROE13.1%
Rev Growth7.5%
Beta0.82
Dividend3.39%
Rating analysts19

Quality Signals

Piotroski F9/9MoatNarrow

Options Flow

P/C0.67bullish
IV40%normal
Max Pain$90+10.6% vs spot

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

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers

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

Macd
0.0
Volume
0.7
Obv
1.0
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
3.1
Value Rank
3.3
Growth Rank
3.8
GatesMomentum 2.6<4.5A.R:R -5.4=NEGATIVEInsider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.70EARNINGS PROXIMITY 81d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
42 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $80.05Resistance $84.38

Price Targets

$75
$77
$83
A.Upside-26.9%
A.R:R-5.4:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-26.9% upside)
! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! momentum at 2.6 (below the engine's 4.5 threshold)

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-11-04 (81d)

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?

Wait for pullback to $77.34. Weak momentum — blocks BUY_NOW at $81.37. Engine's entry $77.34 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Near 52-week high (3.6% away). Chart setup: RSI 42 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $82.69 (+1.6%), stop $74.62 (−9.0%), A.R:R -5.4:1. Score 5.5/10, moderate confidence.

What is the SLF stock price target?

Take-profit target: $82.69 (-26.9% upside). Target $82.69 (+1.6%), stop $74.62 (−9.0%), A.R:R -5.4:1. Stop-loss: $74.62.

What are the risks of investing in SLF?

Analyst target reached - limited upside remaining; Near 52-week high (3.6% away); Negative momentum.

Is SLF overvalued or undervalued?

Sun Life Financial Inc. trades at a P/E of 19.2 (forward 13.1). TrendMatrix value score: 7.3/10. Verdict: Buy (Wait for Entry).

What do analysts say about SLF?

19 analysts cover SLF with a consensus score of 3.7/5. Average price target: $70.

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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