Financials Sun Life Financial Inc.

Equities

Market Closed - Toronto S.E. Other stock markets 21:00:00 13/02/2026 GMT			5-day change	1st Jan Change
93.94 ^CAD	+0.32%		+7.43%	+9.64%

02-13	CIBC on Sun Life Financial's Q4 Earnings	MT
02-13	RBC Raises Price Target on Sun Life Financial to CA$95 From CA$84, Keeps Sector Perform Rating	MT

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	35,688	23,322	40,774	38,633	41,900	42,426	44,389	46,589
Change	-	-34.65%	74.83%	-5.25%	8.46%	1.26%	4.63%	4.96%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT	5,424	4,368	-	-	-	-	-	-
Change	-	-19.47%	-	-	-	-	-	-
Interest Paid ¹	-327	-445	-	-	-526	-580	-569	-594
Earnings before Tax (EBT) ¹	5,097	3,923	3,930	4,339	4,798	5,553	5,999	6,197
Change	-	-23.03%	0.18%	10.41%	10.58%	15.74%	8.03%	3.3%
Net income ¹	3,934	3,060	3,086	3,049	3,472	4,088	4,413	4,447
Change	-	-22.22%	0.85%	-1.2%	13.87%	17.74%	7.95%	0.77%
Announcement Date	09/02/22	08/02/23	07/02/24	12/02/25	11/02/26	-	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3	2027 Q4
Net sales	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	1,416	1,306	1,345	1,357	1,258	1,131	788	1,191	1,230	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-7.77%	2.99%	0.89%	-7.3%	-10.1%	-30.33%	51.14%	3.27%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-159	-138	-185	-	-	-	-	-133	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,336	1,222	1,264	1,275	1,160	1,030	669	1,064	1,095	867	-	-	1,197	910	1,643	-	1,249	976	-	1,126	1,344	1,411	1,434	1,508	1,410	1,483	1,503	1,607
Change	-	-8.53%	3.44%	0.87%	-9.02%	-11.21%	-35.05%	59.04%	2.91%	-20.82%	-	-	-	-23.98%	80.55%	-	-	-21.86%	-	-	19.36%	5%	1.61%	5.17%	-6.48%	5.16%	1.35%	6.91%
Net income ¹	937	900	1,019	1,078	858	785	466	951	806	660	871	749	818	646	1,348	237	928	716	1,106	722	1,028	1,054	1,098	1,175	-	-	-	-
Change	-	-3.95%	13.22%	5.79%	-20.41%	-8.51%	-40.64%	104.08%	-15.25%	-18.11%	31.97%	-14.01%	9.21%	-21.03%	108.67%	-82.42%	291.56%	-22.84%	54.47%	-34.72%	42.45%	2.48%	4.22%	6.96%	-	-	-	-
Announcement Date	05/05/21	04/08/21	03/11/21	09/02/22	11/05/22	03/08/22	02/11/22	08/02/23	11/05/23	08/08/23	13/11/23	07/02/24	09/05/24	12/08/24	04/11/24	12/02/25	08/05/25	07/08/25	05/11/25	11/02/26	-	-	-	-	-	-	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	09/02/22	08/02/23	07/02/24	12/02/25	11/02/26	-	-	-

Estimates

Fiscal Period: December	2021	2022	2026	2027
CAPEX ¹	81	-	383	399
Change	-	-	-	4.18%
Free Cash Flow (FCF) ¹	-	-	-	-
Change	-	-	-	-
Announcement Date	09/02/22	08/02/23	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	15.2%	18.73%	-	-	-	-	-	-
EBT Margin (%)	-	14.28%	16.82%	9.64%	11.23%	11.45%	13.09%	13.52%	13.3%
Net margin (%)	-	11.02%	13.12%	7.57%	7.89%	8.29%	9.64%	9.94%	9.55%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.06%	1.09%	1.14%	1.1%	1.09%	1.35%	1.4%	1.7%
ROE	-	15.4%	15.1%	17.8%	17.2%	18.2%	19.22%	19.66%	-
Financial Health
Leverage (Debt/EBITDA)	0.19x	1.31x	2.08x	1.69x	1.94x	2.32x	-	-	-
Debt / Free cash flow	-0.08x	2.54x	0.65x	3.37x	-1.34x	-3.15x	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	0.23%	-	-	-	-	0.9%	0.9%	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	7.319	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.31	2.76	3	3.24	3.52	3.844	4.054	4.094
Change	-	-	19.48%	8.7%	8%	8.64%	9.21%	5.46%	0.98%
Book Value Per Share ¹	-	41.08	42.99	36.51	40.63	40.25	43.78	48.19	72.95
Change	-	-	4.65%	-15.07%	11.28%	-0.94%	8.78%	10.06%	51.4%
EPS ¹	-	6.69	5.21	5.26	5.26	6.15	7.57	8.313	8.74
Change	-	-	-22.12%	0.96%	0%	16.92%	23.09%	9.81%	5.14%
Nbr of stocks (in thousands)	-	586,014	586,388	584,320	575,329	555,652	553,873	553,873	553,873
Announcement Date	-	09/02/22	08/02/23	07/02/24	12/02/25	11/02/26	-	-	-