Regional Management Corp (RM)vsSun Life Financial Inc. (SLF)
RM
Regional Management Corp
$35.93
0.00%
FINANCIAL SERVICES · Cap: $339.14M
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 5363% more annual revenue ($34.90B vs $638.78M). SLF leads profitability with a 8.8% profit margin vs 7.6%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 77/100 (B+).
RM
Strong Buy77
out of 100
Grade: B+
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
Earnings expanding 68.6% YoY
Growing faster than its price suggests
Strong operational efficiency at 23.3%
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
7.6% margin — thin
Elevated debt levels
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, EPS Growth. PEG of 0.90 suggests the stock is reasonably priced for its growth.
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 : RM
The primary concerns for RM are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 4.42 is elevated, increasing financial risk.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
RM carries more volatility with a beta of 1.02 — expect wider price swings.
RM is growing revenue faster at 9.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RM scores higher overall (77/100 vs 51/100). 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.
Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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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