WallStSmart

NewtekOne, Inc. (NEWT)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 8637% more annual revenue ($35.53B vs $406.63M). NEWT leads profitability with a 16.1% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. NEWT earns a higher WallStSmart Score of 68/100 (B-).

NEWT

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 8.0Value: 5.7Quality: 5.0
Piotroski: 3/9Altman Z: -0.16

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NEWT3 strengths · Avg: 10.0/10
P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.0%10/10

Strong operational efficiency at 52.0%

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

NEWT4 concerns · Avg: 2.8/10
Market CapQuality
$343.44M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.353/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

SLF0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.1% and operating margin at 52.0%. Revenue growth of 14.7% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bear Case : NEWT

The primary concerns for NEWT are Market Cap, Debt/Equity, Piotroski F-Score.

Bear Case : SLF

No major red flags identified for SLF, but monitor valuation.

Key Dynamics to Monitor

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

NEWT carries more volatility with a beta of 1.35 — expect wider price swings.

NEWT is growing revenue faster at 14.7% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

NEWT scores higher overall (68/100 vs 67/100), backed by strong 16.1% margins and 14.7% 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.

NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NewtekOne, Inc. (NEWT) is a leading provider of diversified business solutions designed specifically for small to medium-sized enterprises (SMBs) across the United States. The company delivers an extensive portfolio of services, including payment processing, business lending, and cutting-edge technology solutions, aimed at driving operational excellence and facilitating growth for its clients. With a robust emphasis on innovation and customer satisfaction, NewtekOne has established itself as a vital partner for SMBs navigating a competitive environment, positioning the company for sustained success in a rapidly evolving marketplace.

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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