WallStSmart

Sun Life Financial Inc. (SLF)vsUnivest Corporation Pennsylvania (UVSP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 10680% more annual revenue ($34.88B vs $323.55M). UVSP leads profitability with a 29.5% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. UVSP earns a higher WallStSmart Score of 76/100 (B+).

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

UVSP

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 7.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

UVSP5 strengths · Avg: 9.4/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.7%10/10

Strong operational efficiency at 40.7%

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

EPS GrowthGrowth
24.7%8/10

Earnings expanding 24.7% YoY

Areas to Watch

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

UVSP1 concerns · Avg: 3.0/10
Market CapQuality
$1.07B3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : UVSP

The strongest argument for UVSP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.5% and operating margin at 40.7%. Revenue growth of 12.1% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Bear Case : UVSP

The primary concerns for UVSP are Market Cap.

Key Dynamics to Monitor

SLF profiles as a value stock while UVSP is a mature play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

UVSP is growing revenue faster at 12.1% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

UVSP scores higher overall (76/100 vs 67/100), backed by strong 29.5% margins and 12.1% 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.

Univest Corporation Pennsylvania

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.

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