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HALAL TRADING ROOM Sharia-screened signals
TERMINAL
SL

SLF.TO

Stock Sun Life Financial Inc.
$110.55

Toronto Stock Exchange · Financials · CA

Sharia status
NOT COMPLIANT
Per In-house ratio engine · assessed 2026-08-27
1 of 2 pass our own screen — the standards disagree
Methodology breakdown (0/7 compliant)
AAOIFI ● FAIL
Debt ratio 13.3% (< 30%)
Investments ratio 24.0% (< 30%)
Non permissible income ratio 0.0% (< 5%)
Usmani ● FAIL
Debt ratio 2.1% (< 33%)
Investments ratio 3.7% (< 33%)
Nonliquid assets ratio 96.3% (< 20%)
Non permissible income ratio 0.0% (< 5%)
Net liquid assets no data
Dow Jones ● FAIL
Debt ratio 17.5% (< 33%)
Cash and interest ratio 31.6% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
S&P Shariah ● FAIL
Debt ratio 19.0% (< 33%)
Cash and interest ratio 34.4% (< 49%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
MSCI ● FAIL
Debt ratio 2.1% (< 33%)
Cash and interest ratio 3.7% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
MSCI M ● FAIL
Debt ratio 19.0% (< 33%)
Cash and interest ratio 34.4% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
FTSE ● FAIL
Debt ratio 2.1% (< 33%)
Cash and interest ratio 3.7% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)

Business activity Conventional insurance

ℹ️ Ratios above can still show Pass — business activity is a separate, hard gate that overrides a clean ratio result.

🔎 Data provenance — sourcing & safeguards behind these numbers

Source: stored filing inputs · Balance sheet as of 2025-12-31 · Income statement as of 2025-12-31

Real XBRL tags pulled from the issuer's own filing:
Total assets Assets
Debt Borrowings
Total liabilities Liabilities
Investments CashAndCashEquivalents, CurrentInvestments
Interest income no interest-income tag reported in 3+ years (treated as $0)
Total revenue yahoo:annualTotalRevenue
Currency conversions applied:
Assets: 398,455,000,000 CAD → $291,015,593,800 (rate 0.7304 on 2025-12-31)
Borrowings: 8,171,000,000 CAD → $5,967,771,560 (rate 0.7304 on 2025-12-31)
Liabilities: 372,963,000,000 CAD → $272,397,256,680 (rate 0.7304 on 2025-12-31)
CashAndCashEquivalents: 9,599,000,000 CAD → $7,010,725,640 (rate 0.7304 on 2025-12-31)
CurrentInvestments: 5,156,000,000 CAD → $3,765,736,160 (rate 0.7304 on 2025-12-31)
🕌Open research, not a fatwa — verify with your own scholar.
Trade setup SEPARATE FROM SHARIAH
No trade setup shown — a stock that isn't cleanly Sharia-compliant never gets a bullish verdict here.

Sun Life Financial Inc. (SLF.TO) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.

⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Sun Life Financial Inc. under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.

Market & analysts
Price target
$114.15
+3.3% · 13 analysts
Institutional own.
55.5%
of shares
NON-COMPLIANT
Sharia compliance
$114.15
Price target (+3.3%) · 13 analysts
55.5%
Institutional ownership

🕌 In-house Compliance Research

1 of 2 pass our own screen — the standards disagree

Research only, not the primary verdict above — computed from SEC EDGAR filings and business-activity classification, same as the Discord bot's !halal command.

ℹ️ Financial data sourced from SEC filings through linked US listing (SLF) — SLF.TO has no SEC filings of its own, but is also listed there under a linked ticker.

Business activity: Conventional insurance

AAOIFI Standard 21 (% of market cap) — Pass
Debt ratio 13.3% (< 30%)
Investments ratio 24.0% (< 30%)
Non permissible income ratio 0.0% (< 5%)
Usmani (% of total assets) — Unverified
Debt ratio 2.1% (< 33%)
Investments ratio 3.7% (< 33%)
Nonliquid assets ratio 96.3% (< 20%)
Non permissible income ratio 0.0% (< 5%)
Net liquid assets no data
Dow Jones Islamic Market (% of 24-mo avg market cap) — Unverified
Debt ratio 17.5% (< 33%)
Cash and interest ratio 31.6% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
S&P Shariah Indices (% of 36-mo avg market cap) — Unverified
Debt ratio 19.0% (< 33%)
Cash and interest ratio 34.4% (< 49%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
MSCI Islamic Index (% of total assets) — Unverified
Debt ratio 2.1% (< 33%)
Cash and interest ratio 3.7% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
MSCI Islamic M-Series (% of 36-mo avg market cap) — Fail
Debt ratio 19.0% (< 33%)
Cash and interest ratio 34.4% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
FTSE Shariah Global Equity Index Series (% of total assets) — Unverified
Debt ratio 2.1% (< 33%)
Cash and interest ratio 3.7% (< 33%)
Receivables ratio no data
Non permissible income ratio 0.0% (< 5%)
🔎 Data provenance — sourcing & safeguards behind these numbers

Source: stored filing inputs · Balance sheet as of 2025-12-31 · Income statement as of 2025-12-31

Real XBRL tags pulled from the issuer's own filing (auditable against it directly):
Total assets Assets
Debt Borrowings
Total liabilities Liabilities
Investments CashAndCashEquivalents, CurrentInvestments
Interest income no interest-income tag reported in 3+ years (treated as $0)
Total revenue yahoo:annualTotalRevenue
Currency conversions applied (real point-in-time/period-average rates, not today's rate applied retroactively):
Assets: 398,455,000,000 CAD → $291,015,593,800 (rate 0.7304 on 2025-12-31, via Frankfurter.app (ECB reference rates))
Borrowings: 8,171,000,000 CAD → $5,967,771,560 (rate 0.7304 on 2025-12-31, via Frankfurter.app (ECB reference rates))
Liabilities: 372,963,000,000 CAD → $272,397,256,680 (rate 0.7304 on 2025-12-31, via Frankfurter.app (ECB reference rates))
CashAndCashEquivalents: 9,599,000,000 CAD → $7,010,725,640 (rate 0.7304 on 2025-12-31, via Frankfurter.app (ECB reference rates))
CurrentInvestments: 5,156,000,000 CAD → $3,765,736,160 (rate 0.7304 on 2025-12-31, via Frankfurter.app (ECB reference rates))

Combined verdict: AAOIFI Non Compliant Usmani Non Compliant Dow Jones Islamic Non Compliant S&P Shariah Non Compliant MSCI Islamic Non Compliant MSCI Islamic M Non Compliant FTSE Shariah Non Compliant

ℹ️ MSCI Islamic M screens this company as Non-Compliant on the financial ratios alone — a ratio failure is decisive on its own, so those verdicts stand regardless of what the business-activity screen concluded. The business-activity screen is a second, independent hard gate, and it flagged Conventional insurance.

117.66107.6897.6987.7177.732025-09-122026-03-132026-09-11

Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset

Support & Resistance
S3
107.06
S2
107.68
S1
108.93
PIVOT
109.55
R1
110.80
R2
111.42
R3
112.67

Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.

Price Forecast

7-day expected range
107.89 116.29
±3.75% from 112.09, made 2026-09-04 · resolves 2026-09-11
STRONG BUY
from 19 indicators
Not enough resolved predictions yet — 0 of 10 needed before we publish an accuracy figure. 22466 forecast(s) are currently open and will be scored automatically when their horizon expires.

The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.

Technical Summary

STRONG BUY
19 indicators
OscillatorsSTRONG BUY
3 buy · 4 neutral · 0 sell
Moving averagesSTRONG BUY
10 buy · 0 neutral · 2 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)50.50NEUTRAL
Stochastic %K (14)61.00NEUTRAL
CCI (20)50.72NEUTRAL
Williams %R (14)-39.00NEUTRAL
MACD (12,26,9)0.15BUY
ROC (10)1.40BUY
Momentum (10)1.53BUY
EMA (10)110.01BUY
SMA (10)109.93BUY
EMA (20)110.25BUY
SMA (20)109.70BUY
EMA (30)110.42BUY
SMA (30)110.96SELL
EMA (50)109.75BUY
SMA (50)111.83SELL
EMA (100)105.75BUY
SMA (100)106.21BUY
EMA (200)97.29BUY
SMA (200)95.58BUY

Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.

About Sun Life Financial Inc.

Financial Services · Insurance - Diversified

Sun Life Financial Inc., a financial services company, provides asset management, wealth, insurance and health solutions to individual and institutional customers in Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia, and Bermuda. It offers various insurance products, such as term and permanent life; personal health, which includes prescription drugs, dental, and vision care; critical illness; long-term care; and disability. The company also provides investments products, such as mutual funds, segregated funds, annuities, and guaranteed investment products; financial planning services; and asset management products, including pooled funds, institutional portfolios and pension funds. The company was formerly known as Sun Life Financial Services of Canada Inc. and changed its name to Sun Life Financial Inc. in July 2003. Sun Life Financial Inc. was founded in 1871 and is headquartered in Toronto, Canada.

sunlife.com ↗

Background via Yahoo Finance — informational, not part of the verdict.

SMC — Top Down

Not enough price history yet for a smart-money structure read on any timeframe.

Momentum & Volume

Peer Movement

Peer movement computing — it will appear here on its own.

Insider Activity (90d)

NO DATA   0 buys · 0 sells

COT Positioning — E-MINI S&P 500 - CHICAGO MERCANTILE EXCHANGE

NEUTRAL   report date 2026-09-08 · Asset managers net 912361 (-21819)

AI Summary

Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.

Tell us what's working, what's confusing, or what you want to see next — read by a real person, not a form that goes nowhere.