Heritage Insurance Hldgs Inc (HRTG)vsSun Life Financial Inc. (SLF)
HRTG
Heritage Insurance Hldgs Inc
$29.32
-0.37%
FINANCIAL SERVICES · Cap: $918.55M
SLF
Sun Life Financial Inc.
$72.08
+2.23%
FINANCIAL SERVICES · Cap: $39.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 4016% more annual revenue ($34.88B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 10.2%. HRTG trades at a lower P/E of 4.7x. HRTG earns a higher WallStSmart Score of 72/100 (B).
HRTG
Strong Buy72
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 49 in profit
Strong operational efficiency at 41.6%
Earnings expanding 226.0% YoY
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 240.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
2.4% revenue growth
Smaller company, higher risk/reward
4.7% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bull Case : SLF
The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.95 — 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 - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HRTG scores higher overall (72/100 vs 67/100), backed by strong 23.1% margins. 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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, 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.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?