PennyMac Finl Svcs Inc (PFSI)vsSun Life Financial Inc. (SLF)
PFSI
PennyMac Finl Svcs Inc
$70.36
+0.79%
FINANCIAL SERVICES · Cap: $3.74B
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 966% more annual revenue ($35.53B vs $3.33B). PFSI leads profitability with a 11.8% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. SLF earns a higher WallStSmart Score of 65/100 (B-).
PFSI
Hold48
out of 100
Grade: D+
SLF
Strong Buy65
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 2.0B in free cash flow
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
1.8% revenue growth
Operating margin of 4.5%
Expensive relative to growth rate
Earnings declined 83.9%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book, Free Cash Flow.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : PFSI
The primary concerns for PFSI are Revenue Growth, Operating Margin, PEG Ratio. Debt-to-equity of 5.46 is elevated, increasing financial risk.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
PFSI carries more volatility with a beta of 1.43 — expect wider price swings.
SLF is growing revenue faster at 7.5% — sustainability is the question.
PFSI generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SLF scores higher overall (65/100 vs 48/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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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