Sun Life Financial Inc. (SLF)vsUMB Financial Corporation (UMBF)
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
UMBF
UMB Financial Corporation
$139.49
+0.09%
FINANCIAL SERVICES · Cap: $10.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 1163% more annual revenue ($35.53B vs $2.81B). UMBF leads profitability with a 33.5% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. UMBF earns a higher WallStSmart Score of 75/100 (B).
SLF
Strong Buy65
out of 100
Grade: B-
UMBF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Earnings expanding 26.2% YoY
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 51.1%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
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 mature play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
UMBF is growing revenue faster at 12.2% — sustainability is the question.
UMBF generates stronger free cash flow (345M), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (75/100 vs 65/100), backed by strong 33.5% margins and 12.2% 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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