SUN-LIFE HOLDING CO., LTD. (JP:7040)
:7040
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SUN-LIFE HOLDING CO., LTD.
(7040)
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Rating:68Neutral
Price Target:
¥1,089.00
▲(15.12% Upside)
Action:Downgraded
Date:05/12/26
The score is driven primarily by strong financial stability (zero debt) and solid historical growth, supported by favorable valuation (low P/E and ~3.4% yield). Offsetting these positives are recent margin compression, weaker/less consistent free cash flow in 2026, and mixed-to-weak technical momentum.
Positive Factors
Zero net debt / conservative balance sheet
A zero-debt balance sheet materially reduces financial risk and provides durable flexibility for capital allocation. Over 2–6 months this supports resilience to reimbursement or demand shocks, funds selective facility investments or M&A without leverage, and preserves dividend capacity.
Negative Factors
Recent margin compression
Declining margins over multiple years point to cost pressure or pricing constraints in care services. If persistent, margin compression will reduce operating cash available for maintenance capex, wage inflation mitigation, or dividend sustainability, undermining long-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Zero net debt / conservative balance sheet
A zero-debt balance sheet materially reduces financial risk and provides durable flexibility for capital allocation. Over 2–6 months this supports resilience to reimbursement or demand shocks, funds selective facility investments or M&A without leverage, and preserves dividend capacity.
Read all positive factors
SUN-LIFE HOLDING CO., LTD. (7040) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥5.91B
Dividend Yield3.47%
Average Volume (3M)1.86K
Price to Earnings (P/E)9.5
Beta (1Y)0.25
Revenue Growth2.12%
EPS Growth-25.82%
CountryJP
Employees477
SectorConsumer Cyclical
Sector Strength84
IndustryPersonal Products & Services
Share Statistics
EPS (TTM)136.36
Shares Outstanding6,820,000
10 Day Avg. Volume2,350
30 Day Avg. Volume1,863
Financial Highlights & Ratios
PEG Ratio-0.39
Price to Book (P/B)0.91
Price to Sales (P/S)0.44
P/FCF Ratio32.79
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SUN-LIFE HOLDING CO., LTD. Business Overview & Revenue Model
Company Description
SUN-LIFE HOLDING CO., LTD. (7040) operates within the financial services sector, specializing in insurance solutions and related financial products. The company offers a wide range of insurance services, including life insurance, health insurance,...
How the Company Makes Money
SUN-LIFE HOLDING CO., LTD. generates revenue primarily by operating nursing care facilities and providing associated services. Income is derived from fees charged for residential care in nursing homes, day-service programs, home-visit nursing care...
SUN-LIFE HOLDING CO., LTD. Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
86
Very Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.95B | 14.15B | 13.86B | 13.50B | 12.60B | 11.06B |
| Gross Profit | 3.52B | 3.27B | 3.54B | 3.41B | 3.01B | 2.50B |
| EBITDA | 2.04B | 1.78B | 2.03B | 1.94B | 1.57B | 1.11B |
| Net Income | 834.77M | 619.76M | 835.46M | 1.12B | 357.12M | 406.18M |
Balance Sheet | ||||||
| Total Assets | 36.06B | 35.98B | 36.16B | 35.83B | 35.15B | 35.29B |
| Cash, Cash Equivalents and Short-Term Investments | 10.23B | 9.58B | 10.72B | 10.63B | 9.55B | 9.55B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 29.39B | 29.07B | 29.55B | 29.83B | 30.07B | 30.39B |
| Stockholders Equity | 6.67B | 6.91B | 6.60B | 6.00B | 5.07B | 4.89B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 191.62M | 835.12M | 1.09B | 136.60M | 372.18M |
| Operating Cash Flow | 0.00 | 1.21B | 1.36B | 1.66B | 728.10M | 928.81M |
| Investing Cash Flow | 0.00 | -7.65B | -1.07B | 204.37M | -515.63M | -945.24M |
| Financing Cash Flow | 0.00 | -204.34M | -198.27M | -490.23M | -207.12M | -45.12M |
SUN-LIFE HOLDING CO., LTD. Technical Analysis
Negative
946.00
Price Trends
1009.51
Negative
1015.07
Negative
974.74
Negative
Market Momentum
-13.30
Positive
41.30
Neutral
39.21
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7040, the sentiment is Negative. The current price of 946 is below the 20-day moving average (MA) of 985.55, below the 50-day MA of 1009.51, and below the 200-day MA of 974.74, indicating a bearish trend. The MACD of -13.30 indicates Positive momentum. The RSI at 41.30 is Neutral, neither overbought nor oversold. The STOCH value of 39.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7040.
SUN-LIFE HOLDING CO., LTD. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥5.91B | 9.54 | ― | 3.47% | 2.12% | -25.82% | |
66 Neutral | ¥10.81B | 5.65 | ― | ― | 14.45% | 56.01% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
60 Neutral | ¥17.04B | 17.04 | ― | 2.53% | 6.14% | 19.31% | |
52 Neutral | ¥9.87B | 190.67 | ― | 5.06% | ― | ― | |
51 Neutral | ¥1.89B | 7.15 | ― | ― | 7.96% | 134.72% | |
43 Neutral | ¥1.91B | -10.05 | ― | ― | -6.78% | -110.78% |
* Consumer Cyclical Sector Average
JP:7040
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.