Nu Holdings Ltd (NU)vsSun Life Financial Inc. (SLF)
NU
Nu Holdings Ltd
$11.62
-1.24%
FINANCIAL SERVICES · Cap: $57.85B
SLF
Sun Life Financial Inc.
$73.72
+1.04%
FINANCIAL SERVICES · Cap: $41.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 360% more annual revenue ($34.90B vs $7.59B). NU leads profitability with a 41.9% profit margin vs 8.8%. NU appears more attractively valued with a PEG of 0.70. NU earns a higher WallStSmart Score of 84/100 (A-).
NU
Exceptional Buy84
out of 100
Grade: A-
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 48.2%
Revenue surging 43.7% year-over-year
Earnings expanding 55.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 41.9% and operating margin at 48.2%. Revenue growth of 43.7% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.
Bear Case : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
NU profiles as a growth stock while SLF is a value play — different risk/reward profiles.
NU carries more volatility with a beta of 0.95 — expect wider price swings.
NU is growing revenue faster at 43.7% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
NU scores higher overall (84/100 vs 51/100), backed by strong 41.9% margins and 43.7% revenue growth. Both earn "Exceptional Buy" and "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.
Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
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.
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