WallStSmart

Hilltop Holdings Inc (HTH)vsSun Life Financial Inc. (SLF)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2697% more annual revenue ($35.53B vs $1.27B). HTH leads profitability with a 12.7% profit margin vs 9.5%. HTH appears more attractively valued with a PEG of 0.61. SLF earns a higher WallStSmart Score of 67/100 (B-).

HTH

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 5.5Value: 7.0Quality: 4.5
Piotroski: 6/9Altman Z: 0.07

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HTH3 strengths · Avg: 8.7/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.618/10

Growing faster than its price suggests

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

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

HTH2 concerns · Avg: 2.5/10
Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Altman Z-ScoreHealth
0.072/10

Distress zone — elevated risk

SLF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HTH

The strongest argument for HTH centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.

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 : HTH

The primary concerns for HTH are Return on Equity, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Altman Z-Score.

Key Dynamics to Monitor

HTH carries more volatility with a beta of 0.89 — expect wider price swings.

SLF is growing revenue faster at 7.5% — sustainability is the question.

HTH generates stronger free cash flow (504M), providing more financial flexibility.

Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (67/100 vs 66/100). 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.

Hilltop Holdings Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

Hilltop Holdings Inc. provides consumer and commercial banking and financial products and services. The company is headquartered in Dallas, Texas.

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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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