WallStSmart

Crawford & Company (CRD-B)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2663% more annual revenue ($34.90B vs $1.26B). SLF leads profitability with a 8.8% profit margin vs 1.4%. CRD-B appears more attractively valued with a PEG of 0.90. SLF earns a higher WallStSmart Score of 51/100 (C-).

CRD-B

Hold

45

out of 100

Grade: D

Growth: 2.7Profit: 5.0Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRD-B2 strengths · Avg: 8.0/10
PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
28.7x4/10

Moderate valuation

Market CapQuality
$503.98M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : CRD-B

The strongest argument for CRD-B centers on PEG Ratio, Price/Book. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull 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.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.54 is elevated, increasing financial risk. Thin 1.4% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

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.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

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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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