Oportun Financial Corp (OPRT)vsSun Life Financial Inc. (SLF)
OPRT
Oportun Financial Corp
$7.87
+2.74%
FINANCIAL SERVICES · Cap: $361.92M
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 4676% more annual revenue ($35.53B vs $743.95M). SLF leads profitability with a 9.5% profit margin vs 2.6%. SLF trades at a lower P/E of 19.0x. SLF earns a higher WallStSmart Score of 65/100 (B-).
OPRT
Buy55
out of 100
Grade: C
SLF
Strong Buy65
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 21.4% YoY
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.6% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : OPRT
The strongest argument for OPRT centers on Price/Book, EPS Growth.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 6.54 is elevated, increasing financial risk. Thin 2.6% margins leave little buffer for downturns.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
OPRT carries more volatility with a beta of 1.25 — expect wider price swings.
OPRT is growing revenue faster at 9.4% — sustainability is the question.
OPRT generates stronger free cash flow (103M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SLF scores higher overall (65/100 vs 55/100). Both earn "Strong 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.
Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
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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