Hanmi Financial Corporation (HAFC)vsSun Life Financial Inc. (SLF)
HAFC
Hanmi Financial Corporation
$31.12
+0.58%
FINANCIAL SERVICES · Cap: $912.60M
SLF
Sun Life Financial Inc.
$79.35
+1.01%
FINANCIAL SERVICES · Cap: $43.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 12684% more annual revenue ($35.53B vs $277.92M). HAFC leads profitability with a 32.2% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. HAFC earns a higher WallStSmart Score of 80/100 (B+).
HAFC
Strong Buy80
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 32 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 58.0% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 45.0%. Revenue growth of 23.3% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Altman Z-Score.
Key Dynamics to Monitor
HAFC profiles as a growth stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.79 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (80/100 vs 67/100), backed by strong 32.2% margins and 23.3% 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.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
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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