PennyMac Finl Svcs Inc (PFSI)vsSun Life Financial Inc. (SLF)
PFSI
PennyMac Finl Svcs Inc
$81.24
-0.36%
FINANCIAL SERVICES · Cap: $4.24B
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 951% more annual revenue ($34.90B vs $3.32B). PFSI leads profitability with a 15.3% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. PFSI earns a higher WallStSmart Score of 57/100 (C).
PFSI
Buy57
out of 100
Grade: C
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
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Revenue declined 16.6%
Negative free cash flow — burning cash
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book. Profitability is solid with margins at 15.3% and operating margin at 14.6%.
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 : PFSI
The primary concerns for PFSI are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
PFSI profiles as a declining stock while SLF is a value play — different risk/reward profiles.
PFSI carries more volatility with a beta of 1.44 — expect wider price swings.
SLF is growing revenue faster at 0.2% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
PFSI scores higher overall (57/100 vs 51/100), backed by strong 15.3% margins. Both earn "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.
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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