Central Pacific Financial Corp (CPF)vsSun Life Financial Inc. (SLF)
CPF
Central Pacific Financial Corp
$38.47
-1.28%
FINANCIAL SERVICES · Cap: $966.35M
SLF
Sun Life Financial Inc.
$80.49
-0.17%
FINANCIAL SERVICES · Cap: $43.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 12047% more annual revenue ($35.53B vs $292.48M). CPF leads profitability with a 29.8% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. CPF earns a higher WallStSmart Score of 72/100 (B).
CPF
Strong Buy72
out of 100
Grade: B
SLF
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 40.3%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 27.8% YoY
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 40.3%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bear Case : CPF
The primary concerns for CPF are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Altman Z-Score.
Key Dynamics to Monitor
CPF profiles as a mature stock while SLF is a value play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.85 — expect wider price swings.
SLF is growing revenue faster at 7.5% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
CPF scores higher overall (72/100 vs 67/100), backed by strong 29.8% margins. 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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.
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