Heritage Insurance Hldgs Inc (HRTG)vsSun Life Financial Inc. (SLF)
HRTG
Heritage Insurance Hldgs Inc
$20.88
-1.51%
FINANCIAL SERVICES · Cap: $670.86M
SLF
Sun Life Financial Inc.
$73.72
+1.04%
FINANCIAL SERVICES · Cap: $41.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 4013% more annual revenue ($34.90B vs $848.47M). HRTG leads profitability with a 23.8% profit margin vs 8.8%. HRTG trades at a lower P/E of 3.4x. HRTG earns a higher WallStSmart Score of 70/100 (B).
HRTG
Strong Buy70
out of 100
Grade: B
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 39 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 23.9%
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
0.5% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 23.8% and operating margin at 23.9%.
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 : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.92 — expect wider price swings.
HRTG is growing revenue faster at 0.5% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HRTG scores higher overall (70/100 vs 51/100), backed by strong 23.8% margins. 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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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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