Sun Life Financial Inc. (SLF)vsUnited Bankshares Inc (UBSI)
SLF
Sun Life Financial Inc.
$82.27
-2.14%
FINANCIAL SERVICES · Cap: $46.60B
UBSI
United Bankshares Inc
$48.88
-0.24%
FINANCIAL SERVICES · Cap: $6.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2733% more annual revenue ($34.90B vs $1.23B). UBSI leads profitability with a 41.0% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. UBSI earns a higher WallStSmart Score of 73/100 (B).
SLF
Hold49
out of 100
Grade: D+
UBSI
Strong Buy73
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
Reasonable price relative to book value
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Earnings expanding 50.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bull Case : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 41.0% and operating margin at 52.1%. Revenue growth of 10.6% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
SLF profiles as a value stock while UBSI is a mature play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
UBSI is growing revenue faster at 10.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
UBSI scores higher overall (73/100 vs 49/100), backed by strong 41.0% margins and 10.6% 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.
United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?