Sun Life Financial Inc. (SLF)vsSynchrony Financial (SYF)
SLF
Sun Life Financial Inc.
$81.91
-0.50%
FINANCIAL SERVICES · Cap: $46.60B
SYF
Synchrony Financial
$78.59
-0.10%
FINANCIAL SERVICES · Cap: $24.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 252% more annual revenue ($34.90B vs $9.91B). SYF leads profitability with a 35.5% profit margin vs 8.8%. SYF appears more attractively valued with a PEG of 0.98. SYF earns a higher WallStSmart Score of 75/100 (B).
SLF
Hold49
out of 100
Grade: D+
SYF
Strong Buy75
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.5% and operating margin at 50.2%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.31 — expect wider price swings.
SYF is growing revenue faster at 0.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SYF scores higher overall (75/100 vs 49/100), backed by strong 35.5% margins. 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.
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?