Essent Group Ltd (ESNT)vsSun Life Financial Inc. (SLF)
ESNT
Essent Group Ltd
$61.41
+2.06%
FINANCIAL SERVICES · Cap: $5.64B
SLF
Sun Life Financial Inc.
$73.10
-0.15%
FINANCIAL SERVICES · Cap: $40.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2666% more annual revenue ($34.88B vs $1.26B). ESNT leads profitability with a 54.7% profit margin vs 10.2%. ESNT appears more attractively valued with a PEG of 0.84. SLF earns a higher WallStSmart Score of 67/100 (B-).
ESNT
Strong Buy67
out of 100
Grade: B-
SLF
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 61.7%
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Earnings expanding 240.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
0.9% earnings growth
Weak financial health signals
Revenue declined 0.8%
4.7% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : ESNT
The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.7% and operating margin at 61.7%. PEG of 0.84 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 : ESNT
The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth.
Key Dynamics to Monitor
ESNT profiles as a declining stock while SLF is a value play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.87 — 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.
Bottom Line
ESNT scores higher overall (67/100 vs 67/100), backed by strong 54.7% margins. Both earn "Strong Buy" and "Strong 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.
Essent Group Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.
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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