Sun Life Financial Inc. (SLF)vsSumitomo Mitsui Financial Group Inc (SMFG)
SLF
Sun Life Financial Inc.
$82.77
+0.61%
FINANCIAL SERVICES · Cap: $46.60B
SMFG
Sumitomo Mitsui Financial Group Inc
$25.78
+3.29%
FINANCIAL SERVICES · Cap: $158.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 12449% more annual revenue ($4.38T vs $34.90B). SMFG leads profitability with a 27.1% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. SMFG earns a higher WallStSmart Score of 78/100 (B+).
SLF
Hold49
out of 100
Grade: D+
SMFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 4.1B in free cash flow
Strong operational efficiency at 271.1%
Revenue surging 36.8% year-over-year
Earnings expanding 354.6% YoY
Generating 7.3T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bull Case : SMFG
The strongest argument for SMFG centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 27.1% and operating margin at 271.1%. Revenue growth of 36.8% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : SMFG
The primary concerns for SMFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.70 is elevated, increasing financial risk.
Key Dynamics to Monitor
SLF profiles as a value stock while SMFG is a growth play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
SMFG is growing revenue faster at 36.8% — sustainability is the question.
SMFG generates stronger free cash flow (7.3T), providing more financial flexibility.
Bottom Line
SMFG scores higher overall (78/100 vs 49/100), backed by strong 27.1% margins and 36.8% revenue growth. 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.
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.
Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
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