NYSE$SLF
Sun Life Financial Inc · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
Sun Life Q3 2025: underlying EPS $1.86 (+6% YoY) as Asia and Canada offset U.S. insurance headwinds
Sun Life Financial reported Q3 2025 results for the quarter ended September 30, 2025, with underlying net income of C$1,047 million, up 3% year over year, and underlying diluted EPS of C$1.86, up 6% from C$1.76 in Q3 2024. Reported net income attributable to common shareholders was C$1,106 million (C$1.97 EPS), down 18% from the prior year on market-related impacts. Underlying ROE was 18.3% and assets under management rose 7% to C$1,623.5 billion. Asset management and wealth underlying earnings increased 5% to C$500 million, while U.S. Group Health & Protection fell 18% on unfavourable experience. The board raised the quarterly dividend 4.5% to C$0.92 per share and ended the quarter with an SLF Inc. LICAT ratio of 154%.
- Underlying net income was C$1,047M (+3% YoY) with underlying EPS of C$1.86 (+6% YoY); reported EPS was C$1.97.
- Assets under management reached C$1,623.5B (+7% YoY); underlying ROE was 18.3% versus 17.9% a year earlier.
- Asset management & wealth underlying earnings rose 5% to C$500M; Individual Protection rose 25% to C$361M.
- U.S. Group Health & Protection underlying earnings fell 18% to C$284M on unfavourable insurance experience.
- Quarterly dividend increased to C$0.92 from C$0.88; SLF Inc. LICAT ratio ended at 154%.
Headline financials
Revenue & EPS history
Sun Life · Revenue · Quarterly
C$11.2B
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
+0.5%
Avg return
Earnings day
+1.0%
Avg return
5 days after
+0.3%
Avg return
30 days after
59%
35 / 59 earnings
Positive
+11.3%
Q3 2016
Best reaction
-6.3%
Q4 2014
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.8% | -3.4% | +0.8% | |
| Q3 2025 | -4.2% | -6.0% | -5.0% | |
| Q2 2025 | +3.6% | +5.1% | +8.9% | |
| Q3 2024 | +3.9% | +6.5% | +11.3% | |
| Q3 2023 | +5.1% | +6.4% | +9.7% | |
| Q2 2023 | -2.1% | -2.8% | -7.1% | |
| Q1 2023 | -0.9% | +1.3% | +4.4% | |
| Q4 2022 | +1.1% | +2.5% | -7.4% | |
| Q3 2022 | +1.3% | +4.7% | +11.6% | |
| Q2 2022 | +3.5% | +3.5% | -3.3% | |
| Q1 2022 | -4.2% | -2.9% | -2.0% | |
| Q4 2021 | -5.6% | -7.5% | -8.8% | |
| Q3 2021 | -0.3% | +0.2% | -7.2% | |
| Q2 2021 | +0.1% | +0.8% | -0.2% | |
| Q1 2021 | +0.6% | +0.9% | +0.0% | |
| Q4 2020 | +1.4% | +0.7% | +6.7% | |
| Q3 2020 | +3.5% | +8.4% | +7.2% | |
| Q2 2020 | +2.1% | +5.4% | +3.3% | |
| Q1 2020 | +1.9% | +5.0% | +14.1% | |
| Q4 2019 | +0.8% | +2.8% | -28.7% | |
| Q3 2019 | +1.5% | +1.1% | -2.4% | |
| Q2 2019 | -3.1% | -6.6% | -1.6% | |
| Q1 2019 | -1.7% | -4.1% | -0.6% | |
| Q4 2018 | -0.7% | +4.3% | +7.9% | |
| Q3 2018 | -0.9% | -1.7% | -8.3% | |
| Q2 2018 | +1.1% | -1.5% | -2.3% | |
| Q1 2018 | -0.8% | +3.9% | +3.1% | |
| Q4 2017 | +4.1% | +4.9% | +3.5% | |
| Q3 2017 | -0.1% | -0.6% | +4.1% | |
| Q2 2017 | -2.5% | +0.8% | -0.4% | |
| Q1 2017 | -3.1% | -5.7% | -5.7% | |
| Q4 2016 | -4.5% | -4.8% | -7.6% | |
| Q3 2016 | +11.3% | +13.4% | +16.2% | |
| Q2 2016 | -1.5% | -1.3% | -3.4% | |
| Q1 2016 | +3.0% | — | — | |
| Q4 2015 | -2.2% | — | — | |
| Q3 2015 | -2.3% | — | — | |
| Q2 2015 | +6.0% | — | — | |
| Q1 2015 | +1.5% | — | — | |
| Q4 2014 | -6.3% | — | — | |
| Q3 2014 | -1.9% | — | — | |
| Q2 2014 | +0.5% | — | — | |
| Q1 2014 | +0.7% | — | — | |
| Q4 2013 | -2.1% | — | — | |
| Q3 2013 | +3.9% | — | — | |
| Q2 2013 | +4.0% | — | — | |
| Q1 2013 | -1.3% | — | — | |
| Q4 2012 | +3.3% | — | — | |
| Q3 2012 | +1.0% | — | — | |
| Q2 2012 | +1.0% | — | — | |
| Q1 2012 | +2.3% | — | — | |
| Q4 2011 | +4.1% | — | — | |
| Q3 2011 | -6.1% | — | — | |
| Q2 2011 | +4.5% | — | — | |
| Q1 2011 | +0.6% | — | — | |
| Q4 2010 | +2.5% | — | — | |
| Q3 2010 | +0.9% | — | — | |
| Q2 2010 | -1.3% | — | — | |
| Q1 2010 | +0.7% | — | — |
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