WallStSmart

Fidelis Insurance Holdings Limited (FIHL)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1295% more annual revenue ($34.88B vs $2.50B). SLF leads profitability with a 10.2% profit margin vs 9.0%. FIHL trades at a lower P/E of 9.1x. SLF earns a higher WallStSmart Score of 72/100 (B).

FIHL

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 8.3Quality: 6.0
Piotroski: 3/9

SLF

Strong Buy

72

out of 100

Grade: B

Growth: 6.0Profit: 6.0Value: 10.0Quality: 5.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FIHLUndervalued (+80.0%)

Margin of Safety

+80.0%

Fair Value

$98.75

Current Price

$19.11

$79.64 discount

UndervaluedFair: $98.75Overvalued
SLFUndervalued (+69.0%)

Margin of Safety

+69.0%

Fair Value

$209.66

Current Price

$62.77

$146.89 discount

UndervaluedFair: $209.66Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIHL4 strengths · Avg: 9.0/10
P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
25.8%8/10

Strong operational efficiency at 25.8%

EPS GrowthGrowth
41.1%8/10

Earnings expanding 41.1% YoY

SLF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.888/10

Growing faster than its price suggests

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

FIHL3 concerns · Avg: 2.7/10
Market CapQuality
$1.65B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-10.8%2/10

Revenue declined 10.8%

SLF2 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

EPS GrowthGrowth
2.4%4/10

2.4% earnings growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FIHL

The strongest argument for FIHL centers on P/E Ratio, Price/Book, Operating Margin.

Bull Case : SLF

The strongest argument for SLF centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bear Case : FIHL

The primary concerns for FIHL are Market Cap, Piotroski F-Score, Revenue Growth.

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 0.80 — expect wider price swings.

SLF is growing revenue faster at 4.7% — sustainability is the question.

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

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (72/100 vs 61/100). FIHL offers better value entry with a 80.0% margin of safety. Both earn "Strong 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.

Fidelis Insurance Holdings Limited

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.

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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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