Last 47 quarters of trend data · Financial Services · Insurance - Diversified
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Sun Life Financial Inc.'s quarterly P/E stands at 12.1x, down 66.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 28.5% YoY to 9.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.44 | 12.09 | 7.62 | 13.18 | 8.84 | 36.18 | 6.23 | 11.03 | 9.82 | 10.13 | 8.24 | 11.63 | 8.52 |
| — | -66.6% | +22.4% | +19.5% | -10.0% | +257.2% | -24.5% | -5.2% | +15.2% | +41.4% | -27.9% | +38.2% | -8.4% | |
| P/S Ratio | 1.25 | 1.00 | 0.68 | 1.03 | 0.73 | 2.63 | 0.55 | 0.80 | 1.15 | 0.43 | 3.03 | 1.00 | 0.58 |
| — | -62.0% | +24.6% | +27.8% | -37.1% | +511.2% | -81.9% | -19.6% | +100.4% | -22.5% | +91.7% | — | — | |
| P/B Ratio | 2.14 | 1.40 | 1.30 | 1.50 | 1.26 | 1.32 | 1.30 | 1.16 | 1.30 | 1.25 | 1.21 | 1.33 | 1.18 |
| — | +6.3% | +0.2% | +29.6% | -2.7% | +5.4% | +7.5% | -12.6% | +10.5% | +4.8% | +48.7% | +36.8% | -1.2% | |
| P/FCF | 3.87 | 1.69 | 7.40 | 12.31 | — | 15.07 | 2.63 | 4.26 | 16.80 | 1.75 | 4.06 | 5.83 | 32.46 |
| — | -88.8% | +181.6% | +188.7% | — | +763.0% | -35.3% | -26.9% | -48.3% | -42.5% | +90.5% | -30.2% | — | |
| EV / EBITDA | 12.21 | 9.56 | 5.15 | 8.28 | 5.68 | 13.36 | 4.06 | 6.44 | 5.60 | 9.57 | 4.88 | 7.94 | 5.71 |
| — | -28.5% | +26.7% | +28.5% | +1.5% | +39.6% | -16.8% | -18.8% | -1.9% | +36.0% | -71.7% | +62.9% | -31.4% | |
| EV / EBIT | 13.55 | 9.56 | 5.15 | 8.28 | 5.68 | 13.36 | 4.06 | 6.44 | 5.60 | 9.57 | 4.88 | 7.94 | 5.71 |
| — | -28.5% | +26.7% | +28.5% | +1.5% | +39.6% | -16.8% | -18.8% | -1.9% | +36.0% | -71.7% | +62.9% | -31.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Sun Life Financial Inc.'s operating margin was 12.6% in Q4 2025, up 0.9 pp QoQ and down 5.4 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 11.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 303.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 12.7% | 12.0% | 12.9% | 24.8% | 12.6% | 12.9% | 18.5% | 5.1% | 58.6% | 12.8% | 9.7% |
| — | +303.3% | +0.8% | -6.8% | -30.5% | +383.6% | -78.5% | +0.6% | +90.8% | -93.8% | +522.6% | +128.0% | +144.0% | |
| Operating Margin | 11.4% | 12.6% | 11.7% | 10.6% | 11.0% | 18.0% | 10.7% | 10.2% | 17.3% | 4.5% | 49.8% | 11.3% | 9.2% |
| — | -29.9% | +9.2% | +3.7% | -36.2% | +302.1% | -78.5% | -9.3% | +88.4% | -60.8% | +702.1% | +126.5% | +146.0% | |
| Net Margin | 8.9% | 8.9% | 9.5% | 8.5% | 8.8% | 4.3% | 9.2% | 8.0% | 12.9% | 4.7% | 39.1% | 9.5% | 7.2% |
| — | +104.8% | +2.3% | +5.4% | -31.4% | -7.6% | -76.3% | -15.6% | +79.2% | -44.8% | +905.7% | +129.6% | +147.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.5% | 3.1% | 4.6% | 3.0% | 3.8% | 0.5% | 5.6% | 2.9% | 3.7% | 3.4% | 3.9% | 3.1% | 3.7% |
| — | +464.4% | -18.4% | +5.0% | +5.0% | -84.2% | +42.3% | -7.8% | -1.5% | -14.9% | +676.1% | -12.9% | +45.2% | |
| ROA | 1.0% | 0.2% | 0.3% | 0.2% | 0.3% | 0.0% | 0.4% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% |
| — | +414.9% | -24.5% | -0.4% | +1.5% | -84.8% | +37.8% | -6.9% | +1.3% | -21.2% | +547.1% | -27.6% | +24.1% | |
| ROIC | 10.2% | 2.7% | 4.5% | 3.0% | 3.3% | 1.6% | 5.5% | 3.0% | 3.5% | 2.4% | 3.9% | 2.7% | 3.1% |
| — | +67.6% | -18.4% | +1.9% | -6.5% | -32.2% | +41.2% | +10.3% | +12.7% | -33.8% | +553.0% | -21.7% | +31.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Sun Life Financial Inc.'s Debt/EBITDA ratio is 17.5x, up from 4.7x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.87 | 0.87 | 0.28 | 0.25 | 0.24 | 0.65 | 0.25 | 0.29 | 0.26 | 0.64 | 0.27 | 0.42 | 0.41 |
| — | +34.0% | +15.4% | -12.2% | -5.4% | +1.5% | -8.3% | -31.8% | -36.6% | -6.4% | -23.5% | +40.6% | +35.3% | |
| Debt / EBITDA | 4.14 | 17.52 | 4.67 | 5.77 | 4.62 | 21.88 | 3.49 | 6.80 | 4.70 | 17.07 | 4.76 | 9.72 | 7.77 |
| — | -19.9% | +34.0% | -15.1% | -1.9% | +28.2% | -26.6% | -30.0% | -39.5% | +30.7% | -83.6% | +65.4% | -3.4% | |
| Current Ratio | — | — | 31.84 | 33.28 | 33.22 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | 31.84 | 33.28 | 33.22 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 10.12 | 9.47 | 12.05 | 8.57 | 10.39 | 4.24 | 9.88 | 7.59 | 8.53 | 7.84 | 8.38 | 7.11 | 9.11 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Sun Life Financial Inc.'s current P/E is 15.4x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Sun Life Financial Inc.'s current operating margin is 11.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Sun Life Financial Inc.'s business trajectory between earnings reports.