WallStSmart

Kinsale Capital Group Inc (KNSL)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1720% more annual revenue ($34.90B vs $1.92B). KNSL leads profitability with a 27.5% profit margin vs 8.8%. KNSL appears more attractively valued with a PEG of 1.01. KNSL earns a higher WallStSmart Score of 77/100 (B+).

KNSL

Strong Buy

77

out of 100

Grade: B+

Growth: 8.0Profit: 9.0Value: 6.3Quality: 5.5
Piotroski: 4/9Altman Z: 1.22

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KNSL6 strengths · Avg: 8.8/10
Operating MarginProfitability
30.6%10/10

Strong operational efficiency at 30.6%

Return on EquityProfitability
26.8%9/10

Every $100 of equity generates 27 in profit

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
27.4%8/10

Earnings expanding 27.4% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

KNSL1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.222/10

Distress zone — elevated risk

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : KNSL

The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 30.6%. Revenue growth of 10.2% 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 : KNSL

The primary concerns for KNSL are Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth.

Key Dynamics to Monitor

KNSL profiles as a mature stock while SLF is a value play — different risk/reward profiles.

KNSL carries more volatility with a beta of 0.91 — expect wider price swings.

KNSL is growing revenue faster at 10.2% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

KNSL scores higher overall (77/100 vs 51/100), backed by strong 27.5% margins and 10.2% 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.

Kinsale Capital Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. 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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