RLI Corp (RLI)vsSun Life Financial Inc. (SLF)
RLI
RLI Corp
$52.38
+4.03%
FINANCIAL SERVICES · Cap: $5.00B
SLF
Sun Life Financial Inc.
$77.55
+1.04%
FINANCIAL SERVICES · Cap: $43.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 1738% more annual revenue ($34.90B vs $1.90B). RLI leads profitability with a 20.8% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. RLI earns a higher WallStSmart Score of 61/100 (C+).
RLI
Buy61
out of 100
Grade: C+
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 22 in profit
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
4.0% revenue growth
Earnings declined 12.2%
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.8% and operating margin at 15.9%.
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 : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
SLF carries more volatility with a beta of 0.83 — expect wider price swings.
RLI is growing revenue faster at 4.0% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RLI scores higher overall (61/100 vs 51/100), backed by strong 20.8% margins. Both earn "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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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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