Intercorp Financial Services Inc (IFS)vsSun Life Financial Inc. (SLF)
IFS
Intercorp Financial Services Inc
$47.12
-2.75%
FINANCIAL SERVICES · Cap: $6.31B
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 500% more annual revenue ($34.90B vs $5.81B). IFS leads profitability with a 35.9% profit margin vs 8.8%. IFS trades at a lower P/E of 10.6x. IFS earns a higher WallStSmart Score of 73/100 (B).
IFS
Strong Buy73
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Revenue surging 24.8% year-over-year
Earnings expanding 37.3% YoY
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : IFS
The strongest argument for IFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.9% and operating margin at 46.9%. Revenue growth of 24.8% demonstrates continued momentum.
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 : IFS
The primary concerns for IFS are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
IFS profiles as a growth stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.83 — expect wider price swings.
IFS is growing revenue faster at 24.8% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
IFS scores higher overall (73/100 vs 51/100), backed by strong 35.9% margins and 24.8% revenue growth. 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.
Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
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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