Sun Life Financial Inc. (SLF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 40-F for FY2025, filed Feb 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SLF SEC filings page.
Sun Life Financial Inc. (SLF) reported $30.6B in revenue for fiscal year 2025, up 13.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Sun Life Financial Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Sun Life Financial Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Sun Life Financial Inc. generated $30.6B in revenue in fiscal year 2025. This represents an increase of 13.4% from the prior year.
Sun Life Financial Inc. reported $2.6B in net income in fiscal year 2025. This represents an increase of 19.2% from the prior year.
Sun Life Financial Inc. earned $4.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 22.8% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Sun Life Financial Inc. generated $1.9B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 16.7% from the prior year.
Sun Life Financial Inc. held $7.0B in cash against $6.0B in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Sun Life Financial Inc.'s net profit margin was 8.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the prior year.
Sun Life Financial Inc.'s ROE was 14.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Sun Life Financial Inc. invested $105.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 6.5% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
SLF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2540-F | FY2440-F | FY2340-F | FY2240-F | FY2140-F | FY2040-F | FY1940-F | FY1840-F | FY1740-F | FY1640-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $30.6B+13.4% | $26.9B-13.1% | $31.0B+627.4% | $4.3B-84.7% | $27.9B-17.8% | $34.0B+11.0% | $30.6B+54.7% | $19.8B-15.6% | $23.4B+10.1% | $21.3B |
| Interest Expense | $383.6M-16.8% | $461.1M+10.3% | $418.1M+27.1% | $328.9M+28.5% | $255.9M-8.1% | $278.4M+8.4% | $256.9M+14.9% | $223.5M-7.7% | $242.1M+2.8% | $235.4M |
| Income Tax | $741.0M+2.6% | $722.2M+106.8% | $349.2M-13.5% | $403.5M-29.1% | $569.0M+46.6% | $388.1M+75.9% | $220.6M-49.6% | $437.6M+81.4% | $241.3M-47.7% | $461.0M |
| Net Income | $2.6B+19.2% | $2.2B-9.4% | $2.4B+10.3% | $2.2B-31.2% | $3.2B+61.2% | $2.0B-6.4% | $2.1B+9.2% | $1.9B+7.0% | $1.8B-6.8% | $1.9B |
| EPS (Basic) | $4.50+23.0% | $3.66-8.3% | $3.99+10.2% | $3.62-31.2% | $5.26+63.2% | $3.22-5.5% | $3.41+11.8% | $3.05+8.7% | $2.80-7.0% | $3.02 |
| EPS (Diluted) | $4.49+22.8% | $3.65-8.3% | $3.98+10.3% | $3.61-31.0% | $5.24+62.9% | $3.21-5.3% | $3.39+11.9% | $3.03+8.8% | $2.79-7.1% | $3.00 |
| Diluted Shares (Avg) | 566M-2.7% | 582M-1.2% | 589M0.0% | 589M-0.2% | 590M+0.2% | 589M-1.3% | 597M-2.3% | 611M-1.1% | 618M-0.2% | 619M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
SLF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2540-F | FY2440-F | FY2340-F | FY2240-F | FY2140-F | FY2040-F | FY1940-F | FY1840-F | FY1740-F | FY1640-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $290.6B+12.9% | $257.4B+2.0% | $252.4B+5.6% | $239.1B-12.5% | $273.3B+7.9% | $253.3B+10.5% | $229.3B+15.1% | $199.2B-7.3% | $215.0B+11.8% | $192.3B |
| Cash & Equivalents | $7.0B+1.3% | $6.9B-18.3% | $8.5B+22.2% | $6.9B+15.0% | $6.0B-27.9% | $8.3B+61.9% | $5.2B-2.2% | $5.3B+10.8% | $4.8B-1.9% | $4.8B |
| Goodwill | $7.0B+5.8% | $6.6B-3.3% | $6.8B+5.6% | $6.4B+26.1% | $5.1B+7.1% | $4.8B+5.8% | $4.5B+13.4% | $4.0B-4.2% | $4.1B+4.6% | $4.0B |
| Total Liabilities | $272.0B+13.7% | $239.3B+2.2% | $234.1B+5.3% | $222.2B-13.2% | $255.9B+9.8% | $233.0B+10.8% | $210.4B+16.1% | $181.2B-7.8% | $196.6B+11.9% | $175.7B |
| Long-Term Debt | $6.0B+38.9% | $4.3B-8.3% | $4.7B-5.1% | $4.9B | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $17.9B+0.8% | $17.7B-0.6% | $17.9B+7.3% | $16.6B-3.1% | $17.2B-10.4% | $19.2B+6.3% | $18.1B+3.9% | $17.4B-2.6% | $17.8B+9.0% | $16.4B |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Retained Earnings.
SLF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2540-F | FY2440-F | FY2340-F | FY2240-F | FY2140-F | FY2040-F | FY1940-F | FY1840-F | FY1740-F | FY1640-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.0B+16.1% | $1.8B-58.6% | $4.3B+33.4% | $3.2Bn/m | -$1.5B-125.6% | $5.7B+198.0% | $1.9B-32.1% | $2.8B+77.3% | $1.6B-42.0% | $2.7B |
| Capital Expenditures | $105.7M+6.5% | $99.3M-23.8% | $130.3M | N/A | $63.4M-48.8% | $123.9M+40.9% | $87.9M+41.2% | $62.3M-57.2% | $145.4M+49.0% | $97.6M |
| Free Cash Flow | $1.9B+16.7% | $1.7B-59.7% | $4.1B | N/A | -$1.5B-127.3% | $5.6B+205.6% | $1.8B-33.7% | $2.7B+90.9% | $1.4B-45.4% | $2.6B |
| Investing Cash Flow | -$233.4Mn/m | -$234.0Mn/m | -$423.4Mn/m | -$2.1Bn/m | -$628.5Mn/m | -$694.7Mn/m | -$331.7Mn/m | -$205.2Mn/m | -$270.8Mn/m | -$1.4B |
| Financing Cash Flow | -$1.9Bn/m | -$2.7Bn/m | -$2.3Bn/m | -$52.5Mn/m | -$203.5Mn/m | -$1.8Bn/m | -$1.8Bn/m | -$1.9Bn/m | -$1.6Bn/m | -$1.1B |
| Dividends Paid | $1.5B+10.5% | $1.4B-4.4% | $1.4B+15.4% | $1.2B+10.5% | $1.1B+4.8% | $1.1B+4.9% | $1.0B+13.1% | $899.3M-2.5% | $922.7M+15.4% | $799.9M |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.
SLF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2540-F | FY2440-F | FY2340-F | FY2240-F | FY2140-F | FY2040-F | FY1940-F | FY1840-F | FY1740-F | FY1640-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.5%+0.4pp | 8.1%+0.3pp | 7.7%-43.3pp | 51.0%+39.7pp | 11.3%+5.6pp | 5.8%-1.1pp | 6.8%-2.8pp | 9.7%+2.1pp | 7.6%-1.4pp | 9.0% |
| Return on Equity | 14.5%+2.2pp | 12.2%-1.2pp | 13.4%+0.4pp | 13.1%-5.3pp | 18.4%+8.2pp | 10.2%-1.4pp | 11.6%+0.6pp | 11.0%+1.0pp | 10.0%-1.7pp | 11.8% |
| Return on Assets | 0.9%+0.1pp | 0.8%-0.1pp | 0.9%0.0pp | 0.9%-0.2pp | 1.2%+0.4pp | 0.8%-0.1pp | 0.9%0.0pp | 1.0%+0.1pp | 0.8%-0.2pp | 1.0% |
| Debt-to-Equity | 0.33+0.1x | 0.240.0x | 0.260.0x | 0.30 | N/A | N/A | N/A | N/A | N/A | N/A |
| Liabilities-to-Equity | 15.20+1.7x | 13.48+0.4x | 13.11-0.2x | 13.35-1.5x | 14.89+2.7x | 12.14+0.5x | 11.65+1.2x | 10.43-0.6x | 11.03+0.3x | 10.74 |
| Asset Turnover | 0.110.0x | 0.100.0x | 0.12+0.1x | 0.02-0.1x | 0.100.0x | 0.130.0x | 0.130.0x | 0.100.0x | 0.110.0x | 0.11 |
| FCF Margin | 6.3%+0.2pp | 6.2%-7.1pp | 13.3% | N/A | -5.4%-21.8pp | 16.4%+10.4pp | 5.9%-7.9pp | 13.9%+7.7pp | 6.1%-6.2pp | 12.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Sun Life Financial Inc. SLF | FY2025 | $30.6B | $2.6B | 8.5% | $44.9B | — |
| Arch Capital Group Ltd ACGL | FY2025 | $19.9B | $4.4B | 22.1% | $34.2B | 72/100 |
| American International Group, Inc. AIG | FY2025 | $26.8B | $3.1B | 11.6% | $42.7B | 53/100 |
| Brookfield Wealth Solutions Ltd. BNT | FY2025 | $11.6B | $766.0M | 6.6% | $11.1B | 22/100 |
| Aegon Ltd. AEG | FY2025 | N/A | $1.1B | N/A | $12.4B | — |
| Willis Towers Watson Public Limited Company WTW | FY2025 | $9.7B | $1.6B | 16.5% | $29.5B | 49/100 |
Where Sun Life Financial Inc. Ranks
Frequently Asked Questions
What is Sun Life Financial Inc.'s annual revenue?
Sun Life Financial Inc. (SLF) reported $30.6B in total revenue for fiscal year 2025. This represents a 13.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Sun Life Financial Inc.'s revenue growing?
Sun Life Financial Inc. (SLF) revenue grew by 13.4% year-over-year, from $26.9B to $30.6B in fiscal year 2025.
Is Sun Life Financial Inc. profitable?
Yes, Sun Life Financial Inc. (SLF) reported a net income of $2.6B in fiscal year 2025, with a net profit margin of 8.5%.
How much debt does Sun Life Financial Inc. have?
As of fiscal year 2025, Sun Life Financial Inc. (SLF) had $7.0B in cash and equivalents against $6.0B in long-term debt.
What is Sun Life Financial Inc.'s net profit margin?
Sun Life Financial Inc. (SLF) had a net profit margin of 8.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Sun Life Financial Inc.'s return on equity (ROE)?
Sun Life Financial Inc. (SLF) has a return on equity of 14.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Sun Life Financial Inc.'s free cash flow?
Sun Life Financial Inc. (SLF) generated $1.9B in free cash flow during fiscal year 2025. This represents a 16.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Sun Life Financial Inc.'s operating cash flow?
Sun Life Financial Inc. (SLF) generated $2.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Sun Life Financial Inc.'s total assets?
Sun Life Financial Inc. (SLF) had $290.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Sun Life Financial Inc.'s capital expenditures?
Sun Life Financial Inc. (SLF) invested $105.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Sun Life Financial Inc.'s debt-to-equity ratio?
Sun Life Financial Inc. (SLF) had a debt-to-equity ratio of 0.33 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Sun Life Financial Inc.'s liabilities-to-equity ratio?
Sun Life Financial Inc. (SLF) had a liabilities-to-equity ratio of 15.20 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Sun Life Financial Inc.'s return on assets (ROA)?
Sun Life Financial Inc. (SLF) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Sun Life Financial Inc.'s P/E ratio?
Sun Life Financial Inc. (SLF) trades at 17.4x earnings, its market capitalization divided by $2.6B net income, FY2025. The market capitalization is $44.9B as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Sun Life Financial Inc.'s price-to-sales ratio?
Sun Life Financial Inc. (SLF) trades at 1.5x sales, its market capitalization divided by $30.6B revenue, FY2025. The market capitalization is $44.9B as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Sun Life Financial Inc.'s Piotroski F-Score?
Sun Life Financial Inc. (SLF) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.