Sun Life Financial Inc. (SLF)vsTompkins Financial Corporation (TMP)
SLF
Sun Life Financial Inc.
$82.27
-2.14%
FINANCIAL SERVICES · Cap: $46.60B
TMP
Tompkins Financial Corporation
$99.44
-1.79%
FINANCIAL SERVICES · Cap: $1.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 7816% more annual revenue ($34.90B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. TMP earns a higher WallStSmart Score of 76/100 (B+).
SLF
Hold49
out of 100
Grade: D+
TMP
Strong Buy76
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 38 of every $100 in revenue as profit
Strong operational efficiency at 41.9%
Reasonable price relative to book value
Earnings expanding 32.8% YoY
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.0% and operating margin at 41.9%.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SLF profiles as a value stock while TMP is a mature play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
TMP is growing revenue faster at 7.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
TMP scores higher overall (76/100 vs 49/100), backed by strong 38.0% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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