Sun Life Financial Inc. (SLF)vsToronto Dominion Bank (TD)
SLF
Sun Life Financial Inc.
$82.27
-0.23%
FINANCIAL SERVICES · Cap: $46.60B
TD
Toronto Dominion Bank
$119.39
-1.45%
FINANCIAL SERVICES · Cap: $200.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Toronto Dominion Bank generates 70% more annual revenue ($59.18B vs $34.90B). TD leads profitability with a 25.2% profit margin vs 8.8%. TD appears more attractively valued with a PEG of 1.01. TD earns a higher WallStSmart Score of 62/100 (C+).
SLF
Hold49
out of 100
Grade: D+
TD
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 4.1B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 35.4%
Generating 10.2B in free cash flow
Keeps 25 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Revenue declined 31.5%
Earnings declined 61.2%
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bull Case : TD
The strongest argument for TD centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.2% and operating margin at 35.4%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : TD
The primary concerns for TD are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Key Dynamics to Monitor
SLF profiles as a value stock while TD is a declining play — different risk/reward profiles.
TD carries more volatility with a beta of 0.88 — expect wider price swings.
SLF is growing revenue faster at 0.2% — sustainability is the question.
TD generates stronger free cash flow (10.2B), providing more financial flexibility.
Bottom Line
TD scores higher overall (62/100 vs 49/100), backed by strong 25.2% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
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