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Sun Life Financial Inc. TSX SLF NYSE SLF www.sunlife.com Fiscal Yr: Dec-31
Year 12/31/05 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 Value Description #Y Item
Accounting Rules C GAAP IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
Assets under Management $390,889 $441,432 $425,264 $381,092 $432,631 $464,248 $465,757 $532,866 $639,837 $734,442 $891,332 $903,275 104.62% <-Total Growth 10 Assets under Management
Increase 7.79% 12.93% -3.66% -10.39% 13.52% 7.31% 0.33% 14.41% 20.07% 14.79% 21.36% 1.34% 7.42% <-IRR #YR-> 10 Assets under Management
Assets under Management (AUM) 14.16% <-IRR #YR-> 5 Assets under Management
Adjusted Revenue* $21,918 $24,287 $22,671 $22,259 $24,321 $22,057 $22,462 $20,425 $23,262 $24,157 $24,332 $28,666 $32,958 $34,437 $36,710 18.03% <-Total Growth 10 Revenue analysts use as convenient
Increase 0.8% 10.8% -6.7% -1.8% 9.3% -9.3% 1.8% -9.1% 13.9% 3.8% 0.7% 17.8% 15.0% 4.5% 6.6% 1.67% <-IRR #YR-> 10 Revenue 18.03%
5 year Running Average $21,128 $22,622 $22,536 $22,577 $23,091 $23,119 $22,754 $22,305 $22,505 $22,473 $22,928 $24,168 $26,675 $28,910 $31,421 5.00% <-IRR #YR-> 5 Revenue 27.62%
Revenue per Share $37.66 $42.46 $40.20 $39.75 $43.12 $38.43 $38.20 $34.06 $38.17 $39.40 $39.74 $46.72 $53.71 $56.12 $59.83 0.66% <-IRR #YR-> 10 5 yr Running Average 6.84%
Increase 2.5% 12.7% -5.3% -1.1% 8.5% -10.9% -0.6% -10.8% 12.1% 3.2% 0.9% 17.6% 15.0% 4.5% 6.6% 1.21% <-IRR #YR-> 5 5 yr Running Average 6.22%
5 year Running Average $37.49 $38.20 $38.76 $39.36 $40.64 $40.79 $39.94 $38.71 $38.40 $37.65 $37.92 $39.62 $43.55 $47.14 $51.22 0.96% <-IRR #YR-> 10 Revenue per Share 10.03%
P/S (Price/Sales) Med 1.12 1.10 1.29 0.94 0.61 0.75 0.68 0.70 0.84 1.00 1.04 0.97 0.93 0.00 0.00 4.11% <-IRR #YR-> 5 Revenue per Share 22.30%
P/S (Price/Sales) Close 1.24 1.16 1.39 0.72 0.70 0.78 0.48 0.77 0.98 1.06 1.09 1.10 0.90 0.86 0.90 0.37% <-IRR #YR-> 10 5 yr Running Average 3.72%
Adjusted Revenue from 2007 P/S Med 10 yr 0.89 5 yr 0.97 1.80% Diff M/C -0.16% <-IRR #YR-> 5 5 yr Running Average -0.80%
Revenue* $21,918 $24,287 $21,188 $15,563 $27,572 $24,640 $22,581 $17,559 $13,874 $25,764 $19,274 $28,573 $32,958 $34,437 $36,710 17.65% <-Total Growth 10 Revenue
Increase 0.8% 10.8% -12.8% -26.5% 77.2% -10.6% -8.4% -22.2% -21.0% 85.7% -25.2% 48.2% 15.3% 4.5% 6.6% 1.64% <-IRR #YR-> 10 Revenue 17.65%
5 year Running Average $21,128 $22,622 $22,239 $20,941 $22,106 $22,650 $22,309 $21,583 $21,245 $20,884 $19,810 $21,009 $24,089 $28,201 $30,390 4.82% <-IRR #YR-> 5 Revenue 26.54%
Revenue per Share $37.66 $42.46 $37.57 $27.79 $48.89 $42.93 $38.40 $29.28 $22.77 $42.02 $31.48 $46.57 $53.71 $56.12 $59.83 -0.74% <-IRR #YR-> 10 5 yr Running Average -7.13%
Increase 2.51% 12.75% -11.52% -26.02% 75.91% -12.19% -10.54% -23.74% -22.26% 84.58% -25.09% 47.93% 15.35% 4.49% 6.60% -1.19% <-IRR #YR-> 5 5 yr Running Average -5.83%
5 year Running Average $37.49 $38.20 $38.24 $36.44 $38.87 $39.93 $39.11 $37.46 $36.45 $35.08 $32.79 $34.42 $39.31 $45.98 $49.54 0.93% <-IRR #YR-> 10 Revenue per Share 9.67%
P/S (Price/Sales) Med 1.12 1.10 1.38 1.34 0.54 0.67 0.68 0.81 1.41 0.93 1.32 0.97 3.93% <-IRR #YR-> 5 Revenue per Share 21.26%
P/S (Price/Sales) Close 1.24 1.16 1.48 1.02 0.62 0.70 0.48 0.90 1.65 1.00 1.37 1.11 0.90 0.86 0.90 -1.04% <-IRR #YR-> 10 5 yr Running Average -9.88%
*Total Revenue in M CDN $ P/S Med 10 yr 0.95 5 yr 0.97 -5.31% Diff M/C -2.52% <-IRR #YR-> 5 5 yr Running Average -11.99%
EPS Basic $3.14 $3.62 $3.90 $1.40 $0.95 $2.79 -$0.05 $2.62 $1.56 $2.88 $3.57 $4.05 11.88% <-Total Growth 10 EPS Basic
EPS Diluted* $3.12 $3.58 $3.85 $1.37 $0.94 $2.76 -$0.52 $2.59 $1.55 $2.86 $3.55 $4.03 $3.67 $3.74 $4.63 12.57% <-Total Growth 10 EPS Diluted
Increase 11.8% 14.7% 7.5% -64.4% -31.4% 193.6% -118.8% -598.1% -40.2% 84.5% 24.1% 13.5% -8.9% 1.9% 23.8% 1.19% <-IRR #YR-> 10 Earnings per Share 12.57%
Earnings Yield 6.7% 7.3% 6.9% 4.8% 3.1% 9.2% -2.8% 9.8% 4.1% 6.8% 8.2% 7.8% 7.6% 7.7% 8.6% #NUM! <-IRR #YR-> 5 Earnings per Share 875.00%
5 year Running Average $2.39 $2.69 $3.10 $2.94 $2.57 $2.50 $1.68 $1.43 $1.46 $1.85 $2.01 $2.92 $3.13 $3.57 $3.92 0.80% <-IRR #YR-> 10 5 yr Running Average 8.24%
10 year Running Average $1.69 $1.94 $2.20 $2.26 $2.32 $2.45 $2.19 $2.26 $2.20 $2.21 $2.25 $2.30 $2.28 $2.52 $2.89 11.66% <-IRR #YR-> 5 5 yr Running Average 73.57%
* ESP per share (to 2000 Net Income/ shares o/s Dec 31, 2000 ) E/P 10 Yrs 6.87% 5Yrs 7.82%
Estimates $1.76 $1.88 $1.96 Estimates Dividends
Estimates 9.7% 6.8% 4.3% Estimates Dividends
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 10 Special Dividends
Dividend* $0.99 $1.15 $1.32 $1.44 $1.44 $1.44 $1.44 $1.44 $1.44 $1.44 $1.51 $1.61 $1.68 $1.68 $1.68 40.17% <-Total Growth 10 Dividends
Increase 15.12% 15.66% 15.28% 9.09% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.86% 6.29% 4.67% 0.00% 0.00% Count 18 Years of data
Dividends 5 Yr Running $0.71 $0.85 $1.00 $1.15 $1.27 $1.36 $1.42 $1.44 $1.44 $1.44 $1.45 $1.49 $1.54 $1.58 $1.63 75.56% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 2.34% 2.45% 2.55% 3.87% 5.44% 5.02% 5.55% 6.07% 4.49% 3.67% 3.64% 3.54% 3.36% 4.18% <-Median-> 10 Yield H/L Price
Yield on High Price 2.10% 2.23% 2.37% 2.67% 3.79% 4.33% 4.18% 5.15% 3.83% 3.34% 3.31% 3.00% 3.19% 3.56% <-Median-> 10 Yield on High Price
Yield on Low Price 2.63% 2.72% 2.77% 7.07% 9.60% 5.96% 8.24% 7.38% 5.43% 4.07% 4.04% 4.31% 3.54% 5.70% <-Median-> 10 Yield on Low Price
Yield on Close Price 2.12% 2.32% 2.37% 5.06% 4.76% 4.78% 7.78% 5.46% 3.84% 3.44% 3.50% 3.11% 3.46% 3.46% 3.11% 4.30% <-Median-> 10 Yield on Close Price
Payout Ratio EPS 31.73% 31.98% 34.29% 105.11% 153.19% 52.17% -276.92% 55.60% 92.90% 50.35% 42.54% 39.83% 45.78% 44.92% 36.29% 51.26% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 29.85% 31.44% 32.25% 39.12% 49.26% 54.28% 84.29% 100.84% 98.36% 77.92% 72.48% 50.99% 49.01% 44.34% 41.56% 63.38% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS 20.75% -97.32% 71.45% 46.42% 22.89% 28.86% 31.20% 115.43% 139.96% 48.94% 20.73% 26.85% 53.16% 115.07% #DIV/0! 38.81% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 13.35% 20.13% 31.53% 41.13% 42.70% 45.07% 33.96% 35.56% 39.62% 48.57% 42.46% 40.23% 37.63% 38.01% #DIV/0! 40.68% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC 26.45% -48.66% 41.20% 29.70% 21.88% 37.28% 40.96% 23.14% 16.4% 15.57% 17.98% 14.99% 53.16% 115.07% #DIV/0! 22.51% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 14.27% 22.37% 35.42% 40.25% 39.54% 42.03% 32.17% 28.76% 24.88% 22.78% 20.12% 17.16% 19.06% 24.00% #DIV/0! 30.46% <-Median-> 10 DPR CF WC 5 Yr Running
Median Values 5 Yr Med 5 Yr Cl 3.67% 3.50% 5 Yr Med Payout 50.35% 48.94% 16.45% 3.43% <-IRR #YR-> 10 Dividends 40.17%
* Dividends per share 5 Yr Med and Cur. -5.61% -1.10% Last Div Inc ---> $0.41 $0.42 3.7% 2.19% <-IRR #YR-> 5 Dividends 11.46%
Historical Dividends Historical High Div 8.51% Low Div 1.23% Ave Div 4.87% Med Div 3.54% Close Div 3.27% Historical Dividends
High/Ave/Median Values Curr diff Exp. -59.33% 181.39% Exp. -28.93% Exp. -2.23% Cheap 5.70% High/Ave/Median
Future Div Yield Div Yd 6.20% earning in 10.00 Years at IRR of 6.00% Div Inc. 79.08% Future Div Yield
Future Div Yield Div Yd 8.29% earning in 15.00 Years at IRR of 6.00% Div Inc. 139.66% Future Div Yield
I am earning GC Div Gr 250.00% 3/31/00 # yrs -> 16 2000 $13.46 Cap Gain 260.62% I am earning GC
I am earning Div org yield 3.57% 12/31/15 Pension Div G Yrly 8.27% Div start $0.48 -3.57% 12.48% I am earning Div
I am earning GC Div Gr 200.00% 12/28/01 # yrs -> 15 2001 $34.19 Cap Gain 41.99% I am earning GC
I am earning Div org yield 1.64% 12/31/15 RRSP Div G Yrly 8.15% Div start $0.56 -1.64% 4.91% I am earning Div
Yield if held 5 yrs 3.71% 3.41% 4.49% 4.86% 3.93% 3.40% 3.09% 2.78% 3.87% 5.44% 5.26% 6.19% 7.08% 5.24% 4.28% 4.21% <-Median-> 10 Paid Median Price
Yield if held 10 yrs 5.40% 4.29% 4.89% 4.86% 3.93% 3.57% 3.44% 3.25% 4.52% 6.34% 4.29% <-Median-> 7 Paid Median Price
Yield if held 15 yrs 5.66% 4.78% 5.71% 5.67% 4.59% 5.22% <-Median-> 2 Paid Median Price
Yield if held 20 yrs #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 13.38% 12.61% 16.98% 19.43% 17.30% 16.02% 15.17% 13.92% 19.35% 27.18% 25.33% 28.66% 32.34% 24.70% 20.77% 18.32% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 38.82% 33.70% 41.44% 43.74% 36.96% 33.19% 31.10% 28.76% 40.63% 57.97% 36.96% <-Median-> 7 Paid Median Price
Cost covered if held 15 years 66.07% 55.84% 67.53% 70.47% 59.22% 60.95% <-Median-> 2 Paid Median Price
Cost covered if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Graham Price $42.30 $47.37 $49.14 $29.60 $24.24 $42.05 $36.20 $36.12 $28.33 $40.69 $48.85 $52.99 $50.57 $51.05 $56.80 11.86% <-Total Growth 10 Graham Price
Price/GP Ratio Med 1.00 0.99 1.05 1.26 1.09 0.68 0.72 0.66 1.13 0.97 0.85 0.86 0.99 0.91 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 1.11 1.08 1.13 1.83 1.57 0.79 0.95 0.77 1.33 1.06 0.93 1.01 1.04 1.03 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 0.89 0.89 0.97 0.69 0.62 0.57 0.48 0.54 0.94 0.87 0.77 0.70 0.94 0.70 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 1.10 1.04 1.13 0.96 1.25 0.72 0.51 0.73 1.32 1.03 0.88 0.97 0.96 0.95 0.95 0.97 <-Median-> 10 Price/GP Ratio
Prem/Disc Close 10.47% 4.12% 13.37% -3.91% 24.78% -28.40% -48.84% -26.99% 32.44% 3.01% -11.68% -2.72% -4.01% -4.91% -4.92% -3.31% <-Median-> 10 Graham Price
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Price Close $46.73 $49.32 $55.71 $28.44 $30.25 $30.11 $18.52 $26.37 $37.52 $41.92 $43.15 $51.55 $48.54 $48.54 $54.00 4.52% <-Total Growth 10 Stock Price
Increase 16.39% 5.54% 12.96% -48.95% 6.36% -0.46% -38.49% 42.39% 42.28% 11.73% 2.93% 19.47% -5.84% 0.00% 11.25% 0.44% <-IRR #YR-> 10 Stock Price
P/E 14.98 13.78 14.47 20.76 32.18 10.91 -35.62 10.18 24.21 14.66 12.15 12.79 13.23 12.98 11.66 22.72% <-IRR #YR-> 5 Stock Price
Trailing P/E 16.75 15.81 15.56 7.39 22.08 32.03 6.71 -50.71 14.49 27.05 15.09 14.52 12.04 13.23 14.44 3.05% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D. per yr 2.61% 3.48% % Tot Ret 85.49% 13.29% Price Inc 19.47% P/E: 13.63 12.79 26.20% <-IRR #YR-> 5 Price & Dividend
Price H/L Median $42.35 $46.67 $51.72 $37.21 $26.49 $28.71 $25.95 $23.73 $32.05 $39.27 $41.52 $45.37 $50.05 11.25% -2.80% <-Total Growth 10 Stock Price
Increase 15.63% 10.20% 10.82% -28.06% -28.80% 8.36% -9.62% -8.54% 35.04% 22.55% 5.72% 9.27% 10.33% 3.46% -0.28% <-IRR #YR-> 10 Stock Price
P/E 13.57 13.04 13.43 27.16 28.18 10.40 -49.89 9.16 20.67 13.73 11.69 11.26 13.64 14.71% 11.82% <-IRR #YR-> 5 Stock Price
Trailing P/E 15.18 14.96 14.45 9.66 19.34 30.54 9.40 -45.63 12.37 25.34 14.52 12.78 12.42 2.86% <-IRR #YR-> 10 Price & Dividend
P/E on Running 5 yr Average 17.70 17.32 16.69 12.65 10.30 11.48 15.44 16.62 21.89 21.25 20.70 15.56 15.98 16.47% <-IRR #YR-> 5 Price & Dividend
P/E on Running 10 yr Average 24.99 24.10 23.51 16.44 11.43 11.74 11.86 10.49 14.55 17.77 18.43 19.74 21.95 13.57 P/E Ratio Historical Median
Median 10, 5 Yrs D. per yr 3.14% 4.65% % Tot Ret 109.92% 28.21% Price Inc 9.27% P/E: 12.56 11.69 Count 17 Years of data
High Month Dec May/Dec Dec Jan Jul Mar Feb Feb Nov Dec Oct Nov Jan
Price High $47.10 $51.29 $55.71 $54.03 $37.98 $33.25 $34.42 $27.96 $37.57 $43.15 $45.62 $53.49 $52.67 4.29% <-Total Growth 10 Stock Price
Increase 15.10% 8.90% 8.62% -3.02% -29.71% -12.45% 3.52% -18.77% 34.37% 14.85% 5.72% 17.25% -1.53% 0.42% <-IRR #YR-> 10 Stock Price
P/E 15.10 14.33 14.47 39.44 40.40 12.05 -66.19 10.80 24.24 15.09 12.85 13.27 14.35 9.22% <-IRR #YR-> 5 Stock Price
Trailing P/E 16.88 16.44 15.56 14.03 27.72 35.37 12.47 -53.77 14.51 27.84 15.95 15.07 13.07 15.09 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 14.85% P/E: 13.87 13.27 25.35 P/E Ratio Historical High
Low Month Apr Aug Jan Nov Mar Aug Nov Nov Apr Feb Jan Feb Mar
Price Low $37.60 $42.05 $47.73 $20.38 $15.00 $24.16 $17.47 $19.50 $26.52 $35.39 $37.41 $37.24 $47.43 -11.44% <-Total Growth 10 Stock Price
Increase 16.30% 11.84% 13.51% -57.30% -26.40% 61.07% -27.69% 11.62% 36.00% 33.45% 5.71% -0.45% 27.36% -1.21% <-IRR #YR-> 10 Stock Price
P/E 12.05 11.75 12.40 14.88 15.96 8.75 -33.60 7.53 17.11 12.37 10.54 9.24 12.92 16.34% <-IRR #YR-> 5 Stock Price
Trailing P/E 13.48 13.48 13.33 5.29 10.95 25.70 6.33 -37.50 10.24 22.83 13.08 10.49 11.77 12.01 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 11.62% P/E: 11.46 10.54 8.91 P/E Ratio Historical Low
Long Term Debt $110,227 $115,057 Insurance contracts liability Debt
Change 4.38% Change
Debt/Market Cap Ratio 4.17 3.64 3.90 <-Median-> 2 Debt/Market Cap Ratio
Goodwill & Intangibles $4,773 $4,868 $5,012 $6,125 $7,020 Intangibles Goodwill
Change 1.99% 2.96% 22.21% 14.61% Change
Goodwill/Market Cap Ratio 30.19% 21.29% 19.50% 23.18% 22.19% 0.22 <-Median-> 5 Intangible/Market Cap Ratio
Market Cap. $27,197 $28,211 $31,420 $15,926 $17,061 $17,283 $10,890 $15,811 $22,865 $25,701 $26,421 $31,631 $29,784 $29,784 $33,134 12.12% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 590 580 572 562 562 570 580 604 614 619 618 619 6.72% <-Total Growth 10 Diluted
Change -1.99% -1.69% -1.38% -1.75% 0.00% 1.42% 1.75% 4.14% 1.66% 0.81% -0.16% 0.16% 0.49% <-Median-> 10 Change
Basic # of Shares in Millions 587 577 569 561 561 568 579 593 604 611 612 613 6.24% <-Total Growth 10 Basic
Change -2.00% -1.70% -1.39% -1.41% 0.00% 1.25% 1.94% 2.42% 1.85% 1.16% 0.16% 0.16% 0.66% <-Median-> 10 Change
Difference -0.9% -0.9% -0.9% -0.2% 0.5% 1.1% 1.6% 1.1% 0.9% 0.3% 0.0% 0.1% 0.44% <-Median-> 10 Difference
# of Share in Millions 582 572 564 560.0 564.0 574.0 588.0 599.6 609.4 613.1 612.3 613.6 613.6 613.6 613.6 0.70% <-IRR #YR-> 10 Shares
Change -1.69% -1.72% -1.40% -0.71% 0.71% 1.77% 2.44% 1.97% 1.63% 0.61% -0.13% 0.21% 0.00% 0.00% 0.00% 0.86% <-IRR #YR-> 5 Shares
CF fr Operations $Millon $2,777 -$673 $1,042 $1,737 $3,548 $2,864 $2,714 $748 $627 $1,804 $4,461 $3,668 $1,939 $896 645.02% <-Total Growth 10 Cash Flow
Increase -13.89% -124.23% 254.83% 66.70% 104.26% -19.28% -5.24% -72.44% -16.18% 187.72% 147.28% -17.78% -47.14% -53.80% SO, DRIP Share Iss Buy Backs
5 year Running Average $3,056 $2,530 $1,869 $1,622 $1,686 $1,704 $2,381 $2,322 $2,100 $1,751 $2,071 $2,262 $2,500 $2,554 -10.62% <-Total Growth 10 CF 5 Yr Running
CFPS $4.77 -$1.18 $1.85 $3.10 $6.29 $4.99 $4.62 $1.25 $1.03 $2.94 $7.29 $5.98 $3.16 $1.46 608.07% <-Total Growth 10 Cash Flow per Share
Increase -12.41% -124.66% 257.03% 67.89% 102.81% -20.68% -7.49% -72.97% -17.52% 185.98% 147.61% -17.95% -47.14% -53.80% #NUM! <-IRR #YR-> 10 Cash Flow 645.02%
5 year Running Average $5.35 $4.21 $3.17 $2.80 $2.97 $3.01 $4.17 $4.05 $3.63 $2.96 $3.42 $3.70 $4.08 $4.17 6.21% <-IRR #YR-> 5 Cash Flow 35.15%
P/CF on Med Price 8.88 -39.67 27.99 11.99 4.21 5.75 5.62 19.02 31.15 13.35 5.70 7.59 15.84 0.08 -1.12% <-IRR #YR-> 10 Cash FLow 5 Yr Running Different
P/CF on Closing Price 9.79 -41.92 30.15 9.17 4.81 6.03 4.01 21.14 36.47 14.25 5.92 8.62 15.36 33.25 -1.02% <-IRR #YR-> 5 Cash FLow 5 Yr Running Here
56.87% Diff M/C #NUM! <-IRR #YR-> 10 Cash Flow per Share 608.07%
5.31% <-IRR #YR-> 5 Cash Flow per Share 29.51%
-1.29% <-IRR #YR-> 10 CFPS 5 Yr Running -12.13%
Excl.Working Capital CF -$599.0 -$673.0 $765.0 $978.0 $164.0 -$647.0 -$647.0 $2,984.0 $4,708.0 $3,867.0 $681.0 $2,901.0 $0.0 $0.0 -2.38% <-IRR #YR-> 5 CFPS 5 Yr Running -11.34%
CF fr Op $M WC $2,178 -$1,346 $1,807 $2,715 $3,712 $2,217 $2,067 $3,732 $5,335 $5,671 $5,142 $6,569 $1,939 $896 588.04% <-Total Growth 10 Cash Flow less WC
Increase -24.27% -161.80% 234.25% 50.25% 36.72% -40.27% -6.77% 80.55% 42.95% 6.30% -9.33% 27.75% -70.48% -53.80% #NUM! <-IRR #YR-> 10 Cash Flow less WC 588.04%
5 year Running Average $2,884 $2,292 $1,661 $1,646 $1,813 $1,821 $2,504 $2,889 $3,413 $3,804 $4,389 $5,290 $4,931 $4,043 26.02% <-IRR #YR-> 5 Cash Flow less WC 217.80%
CFPS Excl. WC $3.74 -$2.35 $3.20 $4.85 $6.58 $3.86 $3.52 $6.22 $8.75 $9.25 $8.40 $10.71 $3.16 $1.46 8.72% <-IRR #YR-> 10 CF less WC 5 Yr Run 130.75%
Increase -22.97% -162.88% 236.15% 51.32% 35.75% -41.32% -8.99% 77.06% 40.65% 5.66% -9.21% 27.48% -70.48% -53.80% 16.14% <-IRR #YR-> 5 CF less WC 5 Yr Run 111.29%
5 year Running Average $5.00 $3.79 $2.82 $2.86 $3.20 $3.23 $4.40 $5.01 $5.79 $6.32 $7.23 $8.67 $8.05 $6.59 #NUM! <-IRR #YR-> 10 CFPS - Less WC 554.95%
P/CF Med Price CFPS 11.32 -19.83 16.14 7.67 4.02 7.43 7.38 3.81 3.66 4.25 4.94 4.24 15.84 0.08 24.95% <-IRR #YR-> 5 CFPS - Less WC 204.54%
P/CF on Closing Price 12.49 -20.96 17.39 5.87 4.60 7.80 5.27 4.24 4.29 4.53 5.14 4.82 15.36 33.25 8.63% <-IRR #YR-> 10 CFPS 5 yr Running 128.91%
*Operational Cash Flow per share CF/-WC P/CF Med 10 yr 9.79 5 yr 13.35 P/CF Med 10 yr 4.59 5 yr 4.24 234.33% Diff M/C 14.51% <-IRR #YR-> 5 CFPS 5 yr Running 96.86%
Excl.Working Capital does not seem helpful for this company Chges in WC from google finance as I cannot figure out WC values.
OPM 12.7% -2.8% 4.9% 11.2% 12.9% 11.6% 12.0% 4.3% 4.5% 7.0% 23.1% 12.8% 161.03% <-Total Growth 10 OPM
Increase -14.56% -121.87% -277.47% 126.95% 15.29% -9.67% 3.40% -64.56% 6.09% 54.94% 230.55% -44.54% should be zero, it is a check on calculations
Diff from Median 11.2% -124.3% -56.8% -2.0% 13.0% 2.0% 5.5% -62.6% -60.3% -38.5% 103.2% 12.7% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 11.39% 5 Yrs 7.00% Should increase or be stable.
Current Assets $8,736 $9,153 $8,617 $12,059 $14,336 $11,052 $11,357 $9,647 $10,836 $10,032 $12,539 $13,016 Liquidity ratio of 1.5 and up, best Cash and other Assets
Current Liabilities $3,556 $3,303 $3,077 $3,447 $2,616 $2,616 $7,194 $5,369 $5,501 $6,410 $7,922 $7,875 1.88 <-Median-> 10 Ratio
Liquidity 2.46 2.77 2.80 3.50 5.48 4.22 1.58 1.80 1.97 1.57 1.58 1.65 1.65 <-Median-> 5 Ratio
Liq. with CF aft div 3.08 2.31 2.90 3.77 6.53 5.00 1.84 1.78 1.92 1.71 2.03 1.99 1.92 <-Median-> 5 Ratio
Liq. CF re Inv+Div 3.08 2.31 1.65 3.77 2.81 1.85 1.76 1.72 1.84 1.71 1.86 1.61 1.72 <-Median-> 5 Ratio
Assets $171,850 $188,620 $187,496 $185,595 $201,387 $209,770 $218,027 $225,782 $199,531 $223,357 $246,853 $258,238 Debt Ratio of 1.5 and up, best
Liability $156,254 $171,357 $170,181 $168,142 $183,931 $191,357 $202,297 $209,031 $182,177 $204,485 $225,435 $235,870 1.09 <-Median-> 10 Ratio
Debt Ratio 1.10 1.10 1.10 1.10 1.09 1.10 1.08 1.08 1.10 1.09 1.10 1.09 1.09 <-Median-> 5 Ratio
Check $15,596 $17,263 $17,315 $17,453 $17,456 $18,413 $15,730 $16,751 $17,354 $18,872 $21,418 $22,368
Total Book Value $15,596 $17,263 $17,315 $17,453 $17,456 $18,413 $15,730 $16,751 $17,354 $18,872 $21,418 $22,368 29.57% <-Total Growth 10 Total Book Value
NCI $50 $79 $98 $44 $42 $54 $0 $0 $0 $0 $0 $0 -100.00% <-Total Growth 10 NCI
Total Equity $15,546 $17,184 $17,217 $17,409 $17,414 $18,359 $15,730 $16,751 $17,354 $18,872 $21,418 $22,368 30.17% <-Total Growth 10 Total Equity
SLEECS $695 $696 $700 $697 $697 $698 See under Capital Mgmt Sun Life ExchangEable Capital Securities
Participating Policyholder's Equity $123 $128 $127 $141 $168 $412 See under Capital Mgmt
Preferred Shares $712 $1,250 $1,495 $1,495 $1,741 $2,015 $2,503 $2,503 $2,503 $2,257 $2,257 $2,257
Book Value $14,834 $15,934 $15,722 $15,914 $15,673 $16,344 $12,409 $13,424 $14,024 $15,777 $18,296 $19,001 $19,001 $19,001 $19,001 19.25% <-Total Growth 10 Book Value
Book Value per Share $25.49 $27.86 $27.88 $28.42 $27.79 $28.47 $21.10 $22.39 $23.01 $25.73 $29.88 $30.97 $30.97 $30.97 $30.97 11.16% <-Total Growth 10 Book Value per Share
Change 4.67% 9.29% 0.07% 1.94% -2.21% 2.46% -25.88% 6.09% 2.79% 11.82% 16.12% 3.63% 0.00% 0.00% 0.00% 12.57% P/B Ratio Current/Historical Median
P/B Ratio (Median) 1.66 1.68 1.86 1.31 0.95 1.01 1.23 1.06 1.39 1.53 1.39 1.46 1.39 P/B Ratio Historical Median
P/B Ratio (Close) 1.83 1.77 2.00 1.00 1.09 1.06 0.88 1.18 1.63 1.63 1.44 1.66 1.57 1.57 1.74 1.06% <-IRR #YR-> 10 Book Value per Share 11.16%
Change 11.19% -3.43% 12.88% -49.92% 8.77% -2.86% -17.01% 34.22% 38.42% -0.08% -11.35% 15.28% -5.84% 0.00% 11.25% 7.97% <-IRR #YR-> 5 Book Value per Share 46.73%
Leverage (A/BK) 11.02 10.93 10.83 10.63 11.54 11.39 13.86 13.48 11.50 11.84 11.53 11.54 11.53 <-Median-> 10 A/BV
Debt/Equity Ratio 10.02 9.93 9.83 9.63 10.54 10.39 12.86 12.48 10.50 10.84 10.53 10.54 10.53 <-Median-> 10 Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities) P/BV 10 yr Med 1.35 5 yr Med 1.39 16.17% Diff M/C
Comprehensive Income $507 $1,222 $476 $1,355 -$61 $1,790 $1,505 $2,625 $3,607 $1,775 250.10% <-Total Growth 9 Comprehensive Income
Preferred -$3 $11 $1 $7 $8 $5 -$1 $14 $27 $243 8200.00% <-Total Growth 9 Preferred
NCI $9 $0 $0 $0 $0 $0 NCI
Shareholders $507 $1,211 $475 $1,348 -$78 $1,785 $1,506 $2,611 $3,580 $1,532 202.17% <-Total Growth 9 Comprehensive Income
Increase 138.86% -60.78% 183.79% -105.79% 2388.46% -15.63% 73.37% 37.11% -57.21% 37.11% <-Median-> 5 Comprehensive Income
5 Yr Running Average $693 $948 $1,007 $1,434 $1,881 $2,203 13.07% <-IRR #YR-> 9 Comprehensive Income #DIV/0!
ROE 3.2% 7.6% 3.0% 8.2% -0.6% 13.3% 10.7% 16.5% 19.6% 8.1% #NUM! <-IRR #YR-> 5 Comprehensive Income 2064.10%
5Yr Median 5.4% 3.2% 7.6% 8.2% 10.7% 13.3% 13.3% 26.04% <-IRR #YR-> 5 5 Yr Running Average #DIV/0!
% Difference from NI -74.0% 29.9% -11.2% 48.2% 63.8% -38.4% 26.04% <-IRR #YR-> 5 5 Yr Running Average 218.05%
Median Values Diff 5, 10 yr 9.4% 29.9% 13.3% <-Median-> 5 Return on Equity
Current Liability Coverage Ratio 0.61 -0.41 0.59 0.79 1.42 0.85 0.29 0.70 0.97 0.88 0.65 0.83 CFO / Current Liabilities
5 year Median 0.61 0.61 0.59 0.61 0.61 0.79 0.79 0.79 0.85 0.85 0.70 0.83 81.1% <-Median-> 10 Current Liability Cov Ratio
Asset Efficiency Ratio 1.27% -0.71% 0.96% 1.46% 1.84% 1.06% 0.95% 1.65% 2.67% 2.54% 2.08% 2.54% CFO / Total Assets
5 year Median 1.71% 1.71% 1.27% 1.27% 1.27% 1.06% 1.06% 1.46% 1.65% 1.65% 2.08% 2.54% 1.7% <-Median-> 10 Return on Assets
Return on Assets ROA 1.1% 1.1% 1.2% 0.4% 0.3% 0.8% -0.1% 0.6% 0.8% 0.8% 0.9% 1.0% Net Income/Assets Return on Assets
5Yr Median 0.8% 1.0% 1.1% 1.1% 1.1% 0.8% 0.4% 0.4% 0.6% 0.8% 0.8% 0.8% 0.8% <-Median-> 10 Asset Efficiency Ratio
Return on Equity ROE 12.4% 13.1% 14.1% 4.9% 3.4% 9.7% -2.4% 10.2% 12.1% 11.2% 11.9% 13.1% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 11.4% 11.7% 12.4% 12.4% 12.4% 9.7% 4.9% 4.9% 9.7% 10.2% 11.2% 11.9% 10.7% <-Median-> 10 Return on Equity
Net Income $1,899 $2,171 $2,325 $880 $637 $1,708 -$184 $1,501 $1,809 $1,882 $2,300 $2,826
Preferred $23 $27 $35 $23 $15 $23 $107 $127 $113 $120 $115 $341
NCI $33 $55 $71 $72 $88 $102 $9 $0 $0 $0 $0 $0
Shareholders $1,843 $2,089 $2,219 $785 $534 $1,583 -$300 $1,374 $1,696 $1,762 $2,185 $2,485 $2,409 $2,740 $2,953 18.96% <-Total Growth 10 Net Income
Increase 9.64% 13.35% 6.22% -64.62% -31.97% 196.44% -118.95% -558.00% 23.44% 3.89% 24.01% 13.73% -3.06% 13.74% 7.77% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $1,342 $1,584 $1,828 $1,723 $1,494 $1,442 $964 $795 $977 $1,223 $1,343 $1,900 $2,107 $2,316 $2,554 1.75% <-IRR #YR-> 10 Net Income 18.96%
Operating Cash Flow $2,777 -$673 $1,042 $1,737 $3,548 $2,864 $2,714 $748 $627 $1,804 $4,461 $3,668 #NUM! <-IRR #YR-> 5 Net Income 928.33%
Investment Cash Flow $290 $356 -$2,324 $1,780 -$3,451 -$4,444 -$322 -$176 -$239 -$13 -$723 -$1,893 1.84% <-IRR #YR-> 10 5 Yr Running Ave. 19.97%
Total Accruals -$1,224 $2,406 $3,501 -$2,732 $437 $3,163 -$2,692 $802 $1,308 -$29 -$1,553 $710 14.53% <-IRR #YR-> 5 5 Yr Running Ave. 97.10%
Total Assets $171,850 $188,620 $187,496 $185,595 $201,387 $209,770 $218,027 $225,782 $199,531 $223,357 $246,853 $258,238 Balance Sheet Assets
Accruals Ratio -0.71% 1.28% 1.87% -1.47% 0.22% 1.51% -1.23% 0.36% 0.66% -0.01% -0.63% 0.27% 0.27% <-Median-> 5 Ratio
EPS/CF Ratio 0.83 -1.52 1.20 0.28 0.14 0.71 -0.15 0.42 0.18 0.31 0.42 0.38 0.34 <-Median-> 10 EPS/CF Ratio
Change in Close 16.39% 5.54% 12.96% -48.95% 6.36% -0.46% -38.49% 42.39% 42.28% 11.73% 2.93% 19.47% -5.84% 0.00% 11.25% Count 19 Years of data
up/down Count 0 0.00%
Meet Prediction? % right Count 0 #DIV/0!
Financial Cash Flow $290 $356 -$92 -$499 $1,052 -$591 -$1,450 -$1,060 -$1,046 -$1,940 -$1,106 -$1,543 C F Statement Financial Cash Flow
Total Accruals -$1,514 $2,050 $3,593 -$2,233 -$615 $3,754 -$1,242 $1,862 $2,354 $1,911 -$447 $2,253 Accruals
Accruals Ratio -0.88% 1.09% 1.92% -1.20% -0.31% 1.79% -0.57% 0.82% 1.18% 0.86% -0.18% 0.87% 0.86% <-Median-> 5 Ratio
Cash $5,091 $6,239 $5,500 $8,879 $11,868 $8,487 $8,731 $7,605 $7,590 $6,814 $8,817 $8,453 Cash
Cash per Share $8.75 $10.91 $9.75 $15.86 $21.04 $14.79 $14.85 $12.68 $12.45 $11.11 $14.40 $13.78 $12.68 <-Median-> 5 Cash per Share
Percentage of Stock Price 18.72% 22.12% 17.50% 55.75% 69.56% 49.11% 80.18% 48.10% 33.20% 26.51% 33.37% 26.72% 33.20% <-Median-> 5 % of Stock Price
Notes:
March 25, 2017. Last estimates were for 2016, 2017 and 2018 of $25035M, $26635M and $28736M for Adjusted Revenue, $25035M, $26635M and $28736M for Revenue,
$3.66, $4.00 and $4.51 for EPS. $1.64. $1.78 and $1.96 for Dividends, $3.38 and $4.10 for CFPS for 2016 and 2017, $2193M, $2386M and $2768M for Net Income.
March 28, 2016. Last estimates were for 2015, 2016 and 2017 of $23133M, $26590M and $26611M for Revenue, $3.20, $3.49 and $3.83 for EPS, $1.48, $1.59 and $1.79 for Dividends per Share,
$7.22 and $9.49 for CFPS fo 2015 and 2016 (I thought this was high??) and $1913M, $2084M and $2465M for Net Income.
April 11, 2015. Last estimates were for 2014, 2015 and 2015 of $20488M, $21307M and $22076M for Revenue, $2.76, $3.06 and $3.37 for EPS and for 2014 and 2015 Net Income of $1718M and $1950M.
April 4, 2014. Last estimates were for 2013 and 2014 of $22557M and $23145M for Revenue, $2.56, 2.74 and 2.76 (2015) for EPS.
March 31, 2014. Last estimates were for 2013 and 2014 of $22557M and 23145M for Revenue, $2.56 and $2.74 (and $2.76 for 2015) for EPS.
April, 2013. EPS for 2013 will be low ($.087) because of loss on Sale of US Annuity Business of around $950.
I cannot determine changes in current assets and current liabilities from statements and so accept what M&G site says. Wished I could find another site to agree. I can agree with other years.
March 31, 2013. Last estimates were for 2012 and 2013 of $23706M and $24861M for Revenue $2.56 and $2.73 (and $2.78) for EPS.
2012 Report Sun Life releasted year end report on Feb 13, 2013 but statements on site are unaudited.
Mar 24, 2012. Last estimates were for 2011 and 2012 of $25784M and $26256M for Revenue, 2.78 and $2.99 for EPS
May 2011. when I last looked I got earnings for 2010 and 2012 of $2.75 and $3.15
Jun 24, 2010. when I last got estimates they were for 2010 and 2011 for earnings of $2.84 and $3.20.
Apr 19, 2010. When I last looked at this stock I got estimates for 2009 and 2010 for earnings of $2.23 and $3.30. Earning widely missed at $.94.
I have made 5% per year return on this stock. My purchases were spread over from 2000 to 2006. This recession has hit this stock very hard.
Jun 23, 2009. when I looked at this stock in April 2009 the earnings estimates for 2009 was $3. and 2010 $3.55. These earnings have been down graded.
Apr 2009 AP2008. When I looked at this stock last year, estimate for earnings was $4.05 for 2008 and $4.58 for 2009. They earned $1.37 for 2008 ($1.40 undiluted). Estimates for 2009 are lower.
They really only made $.07, the rest was profit from sale of their stake in CI Financial.
AP 2007. I have done well since I bought this and in last 5 years. Revenue is a concern as it is decreasing not increasing. TD has buy on this and expects it to do well over next year.
AP 2006. Revenue and earnings not bad. Dividend increase is good. Stock increase moderate. I have a decent return. Bought some at start. TD has a buy rating on this stock with yearly return at 14% (Feb 2007)
AR 2005. Seemed to have some trouble in 2002, but is doing OK now. Since I bought it in 2000, IRR is 18%, not bad. TD has buy rating on it.
AP 2004. Stock is doing well.
AR 2003. It will not again jump up in value as it did between 1999 and 2000. 2003
2003. I think this is a solid dividend stock. I would be satisfied if it make 10% compound a year in Price and Div. 2003
Trading Started Mar 23, 2000
Adjusted Revenue
Adjusted revenue is a non-IFRS financial measure that adjusts revenue for the impact of Constant Currency Adjustment, FV Adjustment and Reinsurance in SLF Canada's GB Operations
Sector:
Insurance, Financial Services
What should this stock accomplish?
Would I buy this company and Why.
Dividends
Dividends are paid quarterly in Cycle 3, which is March, June, September and December. Dividends are paid near the end of the month. Dividends are declared for shareholders of record of one month and paid in the following month.
For example, the dividend declared on February 12, 2014 is payable to shareholders of record of February 28, 2014 and is payable on March 31, 2014.
Why am I following this stock.
I first bought this stock in 2000 when it was first demutualized. It was very cheap. I bought more in 2001, 2003 and 2006.
This stock was on Mike Higgs' Canadian Dividend Growth stock list and on the other dividend lists that I followed.
Why I bought this stock.
After I sold my CIBC bond in 2000 I had money to buy some stocks so I made a hit list and looked for ones on this list selling at a reasonable price. This stock was selling at a reasonable price at that time.
How they make their money
Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers.
Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.
MFS Investment Management (MFS) is an American-based global asset manager, formerly known as Massachusetts Financial Services. It is owned by Sun Life Financial of Canada.
For most ratios, lower is better when looking for a good stock price. However, there are exceptions such as for yield and asset/liability ratios and here you want a higher ratios to indicate a good stock price.
Also, for the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare companies in similar industries.
When reviewing Sun Life refer to
http://divestor.com/2011/10/18/sun-life-and-financial-insurers/
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M
Date May 2011 Mar 24 2012 Apr 1 2013 April 4 2014 April 11 2015 Mar 28 2016 Mar 25 2017
Connor, Dean 0.017 0.00% 0.043 0.01% 0.070 0.01% 0.091 0.01% 0.099 0.02%
CEO - Shares - Amount $0.641 $1.782 $3.016 $4.673 $4.791
Options - percentage 1.545 0.25% 1.707 0.28% 1.748 0.29% 1.716 0.28% 1.772 0.29%
Options - amount $57.958 $71.564 $75.433 $88.444 $86.032
Total Compension 2013 $8.403
Total Compension 2012 $7.971
Total Compension 2011 $5.124
Freyne, Colm Joseph 0.004 0.00% 0.005 0.00% 0.006 0.00% 0.006 0.00% 0.014 0.00%
CFO - Shares - Amount $0.158 $0.224 $0.247 $0.333 $0.664
Options - percentage 0.497 0.08% 0.477 0.08% 0.381 0.06% 0.269 0.04% 0.298 0.05%
Options - amount $18.633 $20.016 $16.459 $13.883 $14.488
Total Compension 2013 $2.345
Accum, Claude 0.017 0.00% 0.017 0.00% 0.017 0.00% 0.017 0.00% 0.017 0.00%
Officer - Shares - Amount $0.650 $0.726 $0.747 $0.893 $0.841
Options - percentage 0.414 0.07% 0.382 0.06% 0.252 0.04% 0.258 0.04% 0.192 0.03%
Options - amount $15.548 $16.001 $10.891 $13.289 $9.344
Anderson, William D. 0.012 0.00% 0.013 0.00% 0.013 0.00% 0.013 0.00% 0.013 0.00%
Director - Shares - Amount $0.445 $0.557 $0.573 $0.685 $0.645
Options - percentage 0.007 0.00% 0.009 0.00% 0.011 0.00% 0.012 0.00% 0.014 0.00%
Options - amount $0.255 $0.371 $0.460 $0.627 $0.691
Sutcliffe, James H. 0.008 0.00% 0.008 0.00% 0.008 0.00% 0.008 0.00%
Chairman - Shares - Amt $0.335 $0.345 $0.412 $0.388
Options - percentage 0.054 0.01% 0.066 0.01% 0.075 0.01% 0.087 0.01%
Options - amount $2.259 $2.846 $3.861 $4.224
Increase in O/S Shares 1.000 0.17% 2.000 0.34% 1.000 0.17% 3.000 0.49% 3.000 0.49% 1.600 0.26% 1.300 0.21%
due to SO 2013 $30.110 $37.040 $26.370 $112.560 $125.760 $69.040 $67.015
Book Value $18.000 $48.000 $12.000 $120.000 $83.000 $54.000 $47.000
Insider Buying -$0.173 -$0.817 -$0.015
Insider Selling $32.119 $20.382 $18.140
Net Insider Selling $31.946 $19.565 $18.126
% of Market Cap 0.12% 0.06% 0.06%
Directors 13 12 12 13
Women 4 31% 4 33% 4 33% 4 31%
Minorities 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 386 230 237 42.73% 272 44.66% 306 44.46%
Total Shares Held 321.404 264.831 43.46% 261.369 42.89% 273.487 44.57% 272.801 44.46%
Increase/Decrease 0.488 0.15% -0.452 -0.17% -3.709 -1.40% -5.496 -1.97% 2.169 0.80%
Starting No. of Shares 321.892 265.283 Nasdaq 265.077 Nasdaq 278.983 Nasdaq 270.632 Nasdaq
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