WallStSmart

Kinsale Capital Group Inc (KNSL)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1680% more annual revenue ($35.53B vs $2.00B). KNSL leads profitability with a 28.5% profit margin vs 9.5%. KNSL appears more attractively valued with a PEG of 1.11. KNSL earns a higher WallStSmart Score of 77/100 (B+).

KNSL

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 9.0Value: 6.3Quality: 5.5
Piotroski: 4/9Altman Z: 1.22

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KNSL6 strengths · Avg: 8.8/10
Operating MarginProfitability
40.7%10/10

Strong operational efficiency at 40.7%

Return on EquityProfitability
26.8%9/10

Every $100 of equity generates 27 in profit

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
16.8%8/10

16.8% revenue growth

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

KNSL1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.222/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : KNSL

The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 40.7%. Revenue growth of 16.8% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : KNSL

The primary concerns for KNSL are Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

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

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

KNSL is growing revenue faster at 16.8% — sustainability is the question.

KNSL generates stronger free cash flow (239M), providing more financial flexibility.

Bottom Line

KNSL scores higher overall (77/100 vs 65/100), backed by strong 28.5% margins and 16.8% 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.

Kinsale Capital Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.

Visit Website →

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.

Want to dig deeper into these stocks?