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Sun Life Financial Inc. (SLF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$80.63 -0.35% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $80.43

Sun Life Financial Inc. (SLF) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $45.06B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SLF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Sun Life Financial Inc. (NYSE: SLF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $80.63 (-0.35% 1D, market cap $45.06B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1096 tracked Financials issuers, SLF ranks #257 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SLF compare to PRU and MET in the Financials sector?
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Within the Financials sector (Life Insurance), SLF carries a Roarable C (64/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, PRU (Prudential Financial Inc.) holds a C+ grade (67/100 RQD, P/E 11.3x, ROIC 10.9%, cap $40.18B) and MET (MetLife Inc.) posts a B- grade (71/100 RQD, P/E 20.2x, ROIC 1.6%, cap $63.56B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SLF?
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For Sun Life Financial Inc. (SLF), key quantitative strengths include Big institutional funds and options desks are actively positioning on the bullish side and Clean SEC annual filing review with no major hidden accounting time-bombs., while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $80.43 (-0.25%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (11)Whales (15)SEC (15)Macro (11)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$98 Bull$83 Base$65 Bear
📬 FREE SLF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SLF)Realized 20D OHLCV Swing Band: ±2.9%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY SLF SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (23% of score)

20D Institutional Volume Accumulation (±2.9% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (55.4) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$78.04+3.4% Next Q
Q2 (-2Q)
59
Grade C$80.71+0.2% Next Q
Q3 (-1Q)
61
Grade C$80.85-0.3% Next Q
Current
64
Grade C$80.63+1.1% Hist 90D α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SLF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, SLF faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($79.44) or 200D SMA ($73.68) invalidates the momentum regime and cuts Target Base ($82.81) toward Bear Floor ($64.59).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SLF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SLF Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How SLF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$995.7M (15.8% FCF Margin)
Revenue$6.31BGross Profit $3.28B (52%)Cost of Sales $3.03BOp Profit $876.8M (13.9%)OpEx (R&D/SG&A) $2.40BNet Profit$687.6M (10.9%)Tax/Other $189.2M
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SLF)

  • ✓Walkthrough of SLF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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SLF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.77%📐 HORIZONTAL RANGE
2026-11-03O $81.81H $81.81L $80.63C $80.63VOL 343.1K
RES: $82.25SUP: $74.03SMA50: $79.44SMA200: $73.68
$85.93$79.49$73.05$66.61$60.17RES $82.25SUP $74.03$80.632026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SLF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SLF Butterfly Map → + Track SLF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. 0.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SLF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SLF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SLF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SLF)

Financials Rank #257 of 1096 ⚔️ PRU vs SLF Full Matrix →

1. Head-to-Head Financials Peer Comparison (SLF vs. PRU, MET, PUK, MFC)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Sun Life Financial Inc. (SLF) ranks #257 by composite RQD confidence (64/100, grade C) and #68 by equity capitalization ($45.06B). Within this direct 5-issuer industry benchmark cohort, PRU leads on earnings valuation at 11.3x trailing P/E, while PRU leads on capital efficiency and profitability with 10.9% ROIC and — gross margin. MET currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with SLF at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SLF ACTIVE
Sun Life Financial Inc.
C 64/100 32.8x — 9.9% -0.35% $45.06B Benchmark Subject
PRU
Prudential Financial Inc.
C+ 67/100 11.3x — 10.9% +1.59% $40.18B /pru-vs-slf →
MET
MetLife Inc.
B- 71/100 20.2x — 1.6% +0.92% $63.56B /met-vs-slf →
PUK
Prudential Public Limited Company
D 50/100 32.8x — 9.9% +1.42% $30.87B /puk-vs-slf →
MFC
Manulife Financial Corporation
C 62/100 32.8x — 9.9% +0.29% $74.48B /mfc-vs-slf →

2. SLF Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Sun Life Financial Inc. (SLF) operates in Life Insurance (Financials) with an equity capitalization of $45.06B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. SLF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SLF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Sun Life Financial Inc. (NYSE: SLF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $80.63 (-0.35% 1D, market cap $45.06B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1096 tracked Financials issuers, SLF ranks #257 in composite RQD confidence.

How does SLF compare to PRU and MET in the Financials sector?

Within the Financials sector (Life Insurance), SLF carries a Roarable C (64/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, PRU (Prudential Financial Inc.) holds a C+ grade (67/100 RQD, P/E 11.3x, ROIC 10.9%, cap $40.18B) and MET (MetLife Inc.) posts a B- grade (71/100 RQD, P/E 20.2x, ROIC 1.6%, cap $63.56B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SLF?

For Sun Life Financial Inc. (SLF), key quantitative strengths include Big institutional funds and options desks are actively positioning on the bullish side and Clean SEC annual filing review with no major hidden accounting time-bombs., while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SLF trading relative to its 50-day, 200-day, and 52-week technical levels?

SLF last traded at $80.63 (-0.35% on volume of 333,583 shares), positioning the stock +1.50% above its 50-day simple moving average ($79.44) and +9.43% above its 200-day simple moving average ($73.68). Across its 52-week range of $57.22 to $84.38, SLF sits at the 86.2% percentile with a 14-day RSI of 55.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±2.9% ($78.29 to $82.97).

Direct Sub-Reports: SLF RQD Cockpit SLF 12M Forecast SLF Earnings & Move SLF Dividends & DRIP SLF Insiders & 13F SLF Whale Options SLF Profit Sankey SLF News & Why
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

SLF — Sun Life Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Sun Life Financial Inc. (SLF) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $80.63 (-0.35% 1D, market capitalization $45.06B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.01x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Sun Life Financial Inc. (SLF) is a NYSE-listed issuer in the Financials sector, Life Insurance industry..6B. Per the market data, operating margin is 13.9% and net margin is 10.9%.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $57.22 – $84.38 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 1.01x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector-correlation detail beyond the Financials / Life Insurance classification and beta of 1. Second-order bottlenecks cannot be identified from the provided sources.

  • Key Question #1: Can SLF sustain or expand its 13.9% operating margin and 9.9% ROIC against Life Insurance peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $84.38 52-week high?
  • Key Question #3: How sensitive is SLF's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.01x)?

SLF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Sun Life Financial Inc. (SLF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SLF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SLF Bull vs. Bear Conversation Board — What's Your Call at $80.63?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SLF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SLF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $101.14 (+25.0%)
📌 Pinned Debate

Forensic balance sheet (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and strong whale 13F flow (15/20) support the investment case.

Don't sleep on SLF's setup in Financials. Forensic balance sheet (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and strong whale 13F flow (15/20) support the investment case.. Beta of 1.01 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.

EarningsSniper 🐂 BULL

Both sides have a point here — SLF's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $62.30 (-23.0%)
Spot @ $80.91

Trailing P/E of 32.8 against an FCF yield of 2.21% leaves little valuation cushion if earnings growth disappoints.

I respect the product at Sun Life Financial Inc., but the stock at $80.91 is a different story. Trailing P/E of 32.8 against an FCF yield of 2.21% leaves little valuation cushion if earnings growth disappoints.. FCF yield is 2.21% and RQD sits at 64/100 (C) — why pay up here when you can wait for next quarter's numbers?

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