Sun Life Financial Inc. (SLF)vsWhite Mountains Insurance Group Ltd (WTM)
SLF
Sun Life Financial Inc.
$73.72
+1.04%
FINANCIAL SERVICES · Cap: $41.00B
WTM
White Mountains Insurance Group Ltd
$2,065.14
+2.46%
FINANCIAL SERVICES · Cap: $5.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 1136% more annual revenue ($34.90B vs $2.82B). WTM leads profitability with a 37.0% profit margin vs 8.8%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 63/100 (C+).
SLF
Buy51
out of 100
Grade: C-
WTM
Buy63
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
0.2% revenue growth
Earnings declined 48.4%
Grey zone — moderate risk
Operating margin of 0.3%
Weak financial health signals
Revenue declined 10.8%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 0.3%. PEG of 0.81 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Operating Margin, Piotroski F-Score.
Key Dynamics to Monitor
SLF profiles as a value stock while WTM is a declining play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.83 — expect wider price swings.
SLF is growing revenue faster at 0.2% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (63/100 vs 51/100), backed by strong 37.0% 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.
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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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