Sun Life Financial Inc. (SLF)vsSynchrony Financial (SYF)
SLF
Sun Life Financial Inc.
$72.88
-1.21%
FINANCIAL SERVICES · Cap: $39.73B
SYF
Synchrony Financial
$71.65
-0.50%
FINANCIAL SERVICES · Cap: $23.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 264% more annual revenue ($35.59B vs $9.78B). SYF leads profitability with a 34.1% profit margin vs 8.6%. SYF appears more attractively valued with a PEG of 0.91. SYF earns a higher WallStSmart Score of 69/100 (B-).
SLF
Buy53
out of 100
Grade: C-
SYF
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 49.8%
Every $100 of equity generates 20 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
0.7% revenue growth
Earnings declined 28.6%
Distress zone — elevated risk
Elevated debt levels
Revenue declined 4.7%
Earnings declined 6.3%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 49.8%. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SYF
The primary concerns for SYF are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
SLF profiles as a value stock while SYF is a declining play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.40 — expect wider price swings.
SLF is growing revenue faster at 0.7% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (69/100 vs 53/100), backed by strong 34.1% margins. 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.
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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?