What is Sun Life Financial's gross profit margin?

What guidance did Sun Life Financial's management provide for the next earnings period?

What is Sun Life Financial's latest dividend and current dividend yield?

Did Sun Life Financial beat or miss consensus estimates last quarter?

What is the market's earnings forecast for Sun Life Financial next quarter?

What does Sun Life Financial do and what are its main business segments?

What were the key takeaways from Sun Life Financial's earnings call?

What were the key takeaways from Sun Life Financial’s earnings call?

- **EPS Growth Strong**: Underlying EPS up 6% YoY, ROE near medium-term target.
- **US Dental Risk**: 2025 loss ratio +1.5pts Q3, 2026 repricing +14% YoY.
- **Asset Management Resilience**: MFS net outflows lowest since 2021, SLC on track for $235M growth.
- **Asia Outperformance**: Protection sales +38% YoY, CSM +17% YoY.
- **Capital Discipline**: 60% organic capital generation, $400M buybacks Q3.

**【CEO Opening Remarks】**
- Underlying EPS of $1.86, up 6% YoY, driven by strong sales in Asia and Canada.
- ROE of 18.3%, progressing toward medium-term target of 20%.
- Individual protection sales grew 35% YoY, group health 12%, and asset management saw $3B net inflows.
- US business underperformed due to higher claims frequency in stop loss and dental.

**【CFO Financial Commentary】**
- GAAP net income: $1.047B (3% YoY), Non-GAAP EPS: $1.86 (6% YoY).
- Asset management AUM: $1.6T, with MFS net outflows of $0.9B (lowest since 2021).
- SLC Management on track for $235M YoY growth, MFS margin: 39.2%.
- LICAT ratio: 154%, up 3pts QoQ, supporting $400M share buybacks.

**【Q&A Highlights】**
- **US Dental Challenges**: 2026 repricing expected to offset 7% YoY utilization growth. 2025 cohort loss ratio updated +1.5pts Q3.
- **Asset Management Momentum**: MFS wins $12.9B institutional mandates, SLC deploys $7.4B.
- **Dividend Policy**: Organic capital generation (60% of net income) supports 40-50% payout ratio.
- **Asia Growth**: Individual protection sales up 38% YoY, CSM +17% YoY.
- **US Stop Loss Volatility**: Q4 claims expected to reflect 30% of 2025 cohort, with 2026 pricing +14% YoY.


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