WallStSmart

Crawford & Company (CRD-B)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2656% more annual revenue ($34.88B vs $1.27B). SLF leads profitability with a 10.2% profit margin vs 1.6%. CRD-B appears more attractively valued with a PEG of 0.90. SLF earns a higher WallStSmart Score of 67/100 (B-).

CRD-B

Buy

55

out of 100

Grade: C-

Growth: 5.3Profit: 5.0Value: 6.3Quality: 5.0
Piotroski: 2/9Altman Z: 2.52

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRD-B3 strengths · Avg: 8.0/10
PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
30.4%8/10

Earnings expanding 30.4% YoY

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
25.5x4/10

Moderate valuation

Market CapQuality
$486.97M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Operating MarginProfitability
2.6%3/10

Operating margin of 2.6%

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : CRD-B

The strongest argument for CRD-B centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.63 is elevated, increasing financial risk. Thin 1.6% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

SLF is growing revenue faster at 4.7% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (67/100 vs 55/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

Visit Website →

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.

Want to dig deeper into these stocks?