WallStSmart

Genworth Financial Inc (GNW)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 378% more annual revenue ($34.88B vs $7.30B). SLF leads profitability with a 10.2% profit margin vs 3.0%. GNW appears more attractively valued with a PEG of 0.31. SLF earns a higher WallStSmart Score of 67/100 (B-).

GNW

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 4.0Value: 7.7Quality: 7.0
Piotroski: 4/9Altman Z: 0.78

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GNW5 strengths · Avg: 9.0/10
PEG RatioValuation
0.3110/10

Growing faster than its price suggests

Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
45.3%8/10

Earnings expanding 45.3% YoY

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

GNW4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

Return on EquityProfitability
3.6%3/10

ROE of 3.6% — below average capital efficiency

Profit MarginProfitability
3.0%3/10

3.0% margin — thin

Operating MarginProfitability
2.4%3/10

Operating margin of 2.4%

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : GNW

The strongest argument for GNW centers on PEG Ratio, Price/Book, Debt/Equity. PEG of 0.31 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : GNW

The primary concerns for GNW are Revenue Growth, Return on Equity, Profit Margin. Thin 3.0% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

GNW carries more volatility with a beta of 1.00 — 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 - LIFE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (67/100 vs 64/100). 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.

Genworth Financial Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Genworth Financial, Inc. offers insurance products in the United States and internationally. The company is headquartered in Richmond, Virginia.

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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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