Fidelis Insurance Holdings Limited (FIHL)vsSun Life Financial Inc. (SLF)
FIHL
Fidelis Insurance Holdings Limited
$19.11
+0.47%
FINANCIAL SERVICES · Cap: $1.65B
SLF
Sun Life Financial Inc.
$62.77
-0.38%
FINANCIAL SERVICES · Cap: $34.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 1295% more annual revenue ($34.88B vs $2.50B). SLF leads profitability with a 10.2% profit margin vs 9.0%. FIHL trades at a lower P/E of 9.1x. SLF earns a higher WallStSmart Score of 72/100 (B).
FIHL
Buy61
out of 100
Grade: C+
SLF
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.0%
Fair Value
$98.75
Current Price
$19.11
$79.64 discount
Margin of Safety
+69.0%
Fair Value
$209.66
Current Price
$62.77
$146.89 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.8%
Earnings expanding 41.1% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 10.8%
4.7% revenue growth
2.4% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : FIHL
The strongest argument for FIHL centers on P/E Ratio, Price/Book, Operating Margin.
Bull Case : SLF
The strongest argument for SLF centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.88 suggests the stock is reasonably priced for its growth.
Bear Case : FIHL
The primary concerns for FIHL are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
SLF carries more volatility with a beta of 0.80 — 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 - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SLF scores higher overall (72/100 vs 61/100). FIHL offers better value entry with a 80.0% margin of safety. 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.
Fidelis Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.
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.
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