Sun Life Financial Inc. (SLF)vsYirendai Ltd (YRD)
SLF
Sun Life Financial Inc.
$79.65
+1.04%
FINANCIAL SERVICES · Cap: $44.15B
YRD
Yirendai Ltd
$1.44
-0.81%
FINANCIAL SERVICES · Cap: $125.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 587% more annual revenue ($34.90B vs $5.08B). SLF leads profitability with a 8.8% profit margin vs -13.5%. YRD appears more attractively valued with a PEG of 1.24. SLF earns a higher WallStSmart Score of 51/100 (C-).
SLF
Buy51
out of 100
Grade: C-
YRD
Hold45
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 4.1B in free cash flow
Reasonable price relative to book value
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Strong operational efficiency at 27.1%
Areas to Watch
0.2% revenue growth
Earnings declined 48.4%
Smaller company, higher risk/reward
ROE of -11.5% — below average capital efficiency
Revenue declined 41.1%
Earnings declined 10.2%
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 : YRD
The strongest argument for YRD centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 1.24 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Bear Case : YRD
The primary concerns for YRD are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
SLF profiles as a value stock while YRD is a turnaround play — different risk/reward profiles.
YRD carries more volatility with a beta of 1.12 — 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
SLF scores higher overall (51/100 vs 45/100). 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.
Yirendai Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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