HCI Group Inc (HCI)vsSun Life Financial Inc. (SLF)
HCI
HCI Group Inc
$190.83
+0.51%
FINANCIAL SERVICES · Cap: $2.36B
SLF
Sun Life Financial Inc.
$72.88
-1.21%
FINANCIAL SERVICES · Cap: $39.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 3529% more annual revenue ($35.59B vs $980.69M). HCI leads profitability with a 33.5% profit margin vs 8.6%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 84/100 (A-).
HCI
Exceptional Buy84
out of 100
Grade: A-
SLF
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Grey zone — moderate risk
0.7% revenue growth
Earnings declined 28.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 50.1%. Revenue growth of 13.2% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
HCI profiles as a mature stock while SLF is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 0.93 — expect wider price swings.
HCI is growing revenue faster at 13.2% — sustainability is the question.
HCI generates stronger free cash flow (125M), providing more financial flexibility.
Bottom Line
HCI scores higher overall (84/100 vs 53/100), backed by strong 33.5% margins and 13.2% revenue growth. Both earn "Exceptional 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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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