HomeTrust Bancshares, Inc. (HTB)vsSun Life Financial Inc. (SLF)
HTB
HomeTrust Bancshares, Inc.
$48.54
-0.45%
FINANCIAL SERVICES · Cap: $777.75M
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 16812% more annual revenue ($35.53B vs $210.07M). HTB leads profitability with a 30.9% profit margin vs 9.5%. HTB trades at a lower P/E of 12.3x. SLF earns a higher WallStSmart Score of 65/100 (B-).
HTB
Buy52
out of 100
Grade: C-
SLF
Strong Buy65
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 1.0%
Earnings declined 6.0%
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HTB
The strongest argument for HTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.9% and operating margin at 38.9%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Revenue Growth, EPS Growth.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
HTB profiles as a declining stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
SLF is growing revenue faster at 7.5% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
SLF scores higher overall (65/100 vs 52/100). 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.
HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
Visit Website →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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