HCI Group Inc (HCI)vsSun Life Financial Inc. (SLF)
HCI
HCI Group Inc
$174.94
-1.10%
FINANCIAL SERVICES · Cap: $2.24B
SLF
Sun Life Financial Inc.
$79.91
+0.58%
FINANCIAL SERVICES · Cap: $44.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 3631% more annual revenue ($35.53B vs $952.13M). HCI leads profitability with a 32.6% profit margin vs 9.5%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 78/100 (B+).
HCI
Strong Buy78
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
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Grey zone — moderate risk
No major concerns identified
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 32.6% and operating margin at 45.4%. Revenue growth of 11.1% 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 : HCI
The primary concerns for HCI are Altman Z-Score.
Bear Case : SLF
No major red flags identified for SLF, but monitor valuation.
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 1.02 — expect wider price swings.
HCI is growing revenue faster at 11.1% — sustainability is the question.
HCI generates stronger free cash flow (125M), providing more financial flexibility.
Bottom Line
HCI scores higher overall (78/100 vs 67/100), backed by strong 32.6% margins and 11.1% 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.
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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