Central Pacific Financial Corp (CPF)vsSun Life Financial Inc. (SLF)
CPF
Central Pacific Financial Corp
$39.68
-0.78%
FINANCIAL SERVICES · Cap: $1.01B
SLF
Sun Life Financial Inc.
$81.87
-0.49%
FINANCIAL SERVICES · Cap: $46.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 12234% more annual revenue ($34.90B vs $282.94M). CPF leads profitability with a 28.4% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. CPF earns a higher WallStSmart Score of 72/100 (B).
CPF
Strong Buy72
out of 100
Grade: B
SLF
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 38.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 20.0% YoY
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.4% and operating margin at 38.1%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bear Case : CPF
The primary concerns for CPF are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CPF profiles as a mature stock while SLF is a value play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.83 — expect wider price swings.
CPF is growing revenue faster at 9.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPF scores higher overall (72/100 vs 49/100), backed by strong 28.4% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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