WallStSmart

FirstCash Inc (FCFS)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 762% more annual revenue ($35.53B vs $4.12B). SLF leads profitability with a 9.5% profit margin vs 9.4%. FCFS appears more attractively valued with a PEG of 1.17. FCFS earns a higher WallStSmart Score of 68/100 (B-).

FCFS

Strong Buy

68

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 5.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.27

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FCFS2 strengths · Avg: 9.0/10
EPS GrowthGrowth
58.2%10/10

Earnings expanding 58.2% YoY

Revenue GrowthGrowth
29.4%8/10

Revenue surging 29.4% year-over-year

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

FCFS2 concerns · Avg: 3.5/10
P/E RatioValuation
25.6x4/10

Moderate valuation

Debt/EquityHealth
1.163/10

Elevated debt levels

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : FCFS

The strongest argument for FCFS centers on EPS Growth, Revenue Growth. Revenue growth of 29.4% demonstrates continued momentum. PEG of 1.17 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : FCFS

The primary concerns for FCFS are P/E Ratio, Debt/Equity.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

FCFS profiles as a growth stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

FCFS is growing revenue faster at 29.4% — sustainability is the question.

FCFS generates stronger free cash flow (149M), providing more financial flexibility.

Bottom Line

FCFS scores higher overall (68/100 vs 65/100) and 29.4% revenue growth. 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.

FirstCash Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

FirstCash, Inc., operates retail pawn shops in the United States and Latin America. The company is headquartered in Fort Worth, Texas.

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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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