WallStSmart

Hannon Armstrong Sustainable Infrastructure Capital Inc (HASI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 27801% more annual revenue ($35.53B vs $127.34M). HASI leads profitability with a 67.6% profit margin vs 9.5%. HASI appears more attractively valued with a PEG of 1.20. HASI earns a higher WallStSmart Score of 70/100 (B).

HASI

Strong Buy

70

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 4.3Quality: 4.5
Piotroski: 2/9Altman Z: 0.83

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HASI5 strengths · Avg: 8.8/10
Profit MarginProfitability
67.6%10/10

Keeps 68 of every $100 in revenue as profit

Revenue GrowthGrowth
804.0%10/10

Revenue surging 804.0% year-over-year

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

EPS GrowthGrowth
24.5%8/10

Earnings expanding 24.5% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

HASI4 concerns · Avg: 2.5/10
Return on EquityProfitability
2.3%3/10

ROE of 2.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
61.0x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
0.832/10

Distress zone — elevated risk

SLF0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : HASI

The strongest argument for HASI centers on Profit Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 67.6% and operating margin at 22.2%. Revenue growth of 804.0% 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 : HASI

The primary concerns for HASI are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 61.0x leaves little room for execution misses. Debt-to-equity of 2.32 is elevated, increasing financial risk.

Bear Case : SLF

No major red flags identified for SLF, but monitor valuation.

Key Dynamics to Monitor

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

HASI carries more volatility with a beta of 1.42 — expect wider price swings.

HASI is growing revenue faster at 804.0% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

HASI scores higher overall (70/100 vs 67/100), backed by strong 67.6% margins and 804.0% 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.

Hannon Armstrong Sustainable Infrastructure Capital Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Hannon Armstrong Sustainable Infrastructure Capital, Inc. provides capital and services to the energy efficiency, renewable energy, and other sustainable infrastructure markets in the United States. The company is headquartered in Annapolis, Maryland.

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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