Sun Life Financial Inc. (SLF)vsUMB Financial Corporation (UMBF)
SLF
Sun Life Financial Inc.
$72.08
+2.23%
FINANCIAL SERVICES · Cap: $39.07B
UMBF
UMB Financial Corporation
$124.22
-0.90%
FINANCIAL SERVICES · Cap: $9.44B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 1296% more annual revenue ($34.88B vs $2.50B). UMBF leads profitability with a 28.1% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. UMBF earns a higher WallStSmart Score of 75/100 (B+).
SLF
Strong Buy67
out of 100
Grade: B-
UMBF
Strong Buy75
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 240.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.0%
Revenue surging 67.6% year-over-year
Keeps 28 of every $100 in revenue as profit
Areas to Watch
4.7% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SLF profiles as a value stock while UMBF is a growth play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.79 — expect wider price swings.
UMBF is growing revenue faster at 67.6% — sustainability is the question.
SLF generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (75/100 vs 67/100), backed by strong 28.1% margins and 67.6% 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.
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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
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