WallStSmart

Hafnia Limited (HAFN)vsSFL Corporation Ltd (SFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hafnia Limited generates 240% more annual revenue ($2.41B vs $707.35M). HAFN leads profitability with a 19.0% profit margin vs 4.5%. HAFN trades at a lower P/E of 8.3x. HAFN earns a higher WallStSmart Score of 71/100 (B).

HAFN

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.7Quality: 6.5
Piotroski: 3/9Altman Z: 2.25

SFL

Hold

37

out of 100

Grade: F

Growth: 2.7Profit: 5.5Value: 6.3Quality: 2.5
Piotroski: 3/9Altman Z: 0.42
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for HAFN.

SFLUndervalued (+55.0%)

Margin of Safety

+55.0%

Fair Value

$22.23

Current Price

$10.96

$11.27 discount

UndervaluedFair: $22.23Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HAFN5 strengths · Avg: 9.2/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
184.1%10/10

Earnings expanding 184.1% YoY

Operating MarginProfitability
22.3%8/10

Strong operational efficiency at 22.3%

Revenue GrowthGrowth
22.5%8/10

Revenue surging 22.5% year-over-year

SFL2 strengths · Avg: 8.0/10
Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.9%8/10

Strong operational efficiency at 25.9%

Areas to Watch

HAFN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

SFL4 concerns · Avg: 3.0/10
Market CapQuality
$1.47B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

Profit MarginProfitability
4.5%3/10

4.5% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : HAFN

The strongest argument for HAFN centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 19.0% and operating margin at 22.3%. Revenue growth of 22.5% demonstrates continued momentum.

Bull Case : SFL

The strongest argument for SFL centers on Price/Book, Operating Margin.

Bear Case : HAFN

The primary concerns for HAFN are Piotroski F-Score.

Bear Case : SFL

The primary concerns for SFL are Market Cap, Return on Equity, Profit Margin. A P/E of 46.0x leaves little room for execution misses. Debt-to-equity of 2.59 is elevated, increasing financial risk.

Key Dynamics to Monitor

HAFN profiles as a growth stock while SFL is a value play — different risk/reward profiles.

SFL carries more volatility with a beta of 0.46 — expect wider price swings.

HAFN is growing revenue faster at 22.5% — sustainability is the question.

HAFN generates stronger free cash flow (107M), providing more financial flexibility.

Bottom Line

HAFN scores higher overall (71/100 vs 37/100), backed by strong 19.0% margins and 22.5% revenue growth. SFL offers better value entry with a 55.0% margin of safety. Both earn "Strong 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.

Hafnia Limited

INDUSTRIALS · MARINE SHIPPING · USA

Hafnia Limited owns and operates oil product tankers in Bermuda. The company is headquartered in Hamilton, Bermuda.

SFL Corporation Ltd

INDUSTRIALS · MARINE SHIPPING · USA

SFL Corporation Ltd. is engaged in the ownership, operation and chartering of vessels and related assets offshore in medium and long-term charters. The company is headquartered in Hamilton, Bermuda.

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