WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1719% more annual revenue ($34.88B vs $1.92B). KNSL leads profitability with a 27.5% profit margin vs 10.2%. KNSL appears more attractively valued with a PEG of 1.07. KNSL earns a higher WallStSmart Score of 77/100 (B+).

KNSL

Strong Buy

77

out of 100

Grade: B+

Growth: 8.0Profit: 9.0Value: 6.3Quality: 6.0
Piotroski: 3/9

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KNSL6 strengths · Avg: 8.8/10
Operating MarginProfitability
30.6%10/10

Strong operational efficiency at 30.6%

Return on EquityProfitability
29.7%9/10

Every $100 of equity generates 30 in profit

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
27.4%8/10

Earnings expanding 27.4% YoY

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

KNSL1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

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 27.5% and operating margin at 30.6%. Revenue growth of 10.2% demonstrates continued momentum.

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 : KNSL

The primary concerns for KNSL are Piotroski F-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

KNSL carries more volatility with a beta of 1.08 — expect wider price swings.

KNSL is growing revenue faster at 10.2% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

KNSL scores higher overall (77/100 vs 67/100), backed by strong 27.5% margins and 10.2% 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.

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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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