WallStSmart

Mercury General Corporation (MCY)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 460% more annual revenue ($35.53B vs $6.34B). MCY leads profitability with a 14.8% profit margin vs 9.5%. MCY appears more attractively valued with a PEG of 1.12. MCY earns a higher WallStSmart Score of 76/100 (B+).

MCY

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 7.0Quality: 6.0
Piotroski: 3/9Altman Z: 0.94

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MCY4 strengths · Avg: 9.5/10
P/E RatioValuation
6.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
32.4%10/10

Every $100 of equity generates 32 in profit

EPS GrowthGrowth
58.3%10/10

Earnings expanding 58.3% YoY

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

MCY2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.942/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MCY

The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 13.8% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : MCY

The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

MCY carries more volatility with a beta of 0.92 — expect wider price swings.

MCY is growing revenue faster at 13.8% — sustainability is the question.

MCY generates stronger free cash flow (202M), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MCY scores higher overall (76/100 vs 65/100) and 13.8% revenue growth. Both earn "Strong Buy" and "Strong 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.

Mercury General Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Mercury General Corporation engages in underwriting personal auto insurance in the United States. The company is headquartered in Los Angeles, California.

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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