Sun Life Financial Inc. (SLF)vsUpstart Holdings Inc (UPST)
SLF
Sun Life Financial Inc.
$80.85
+1.00%
FINANCIAL SERVICES · Cap: $43.97B
UPST
Upstart Holdings Inc
$24.14
+1.81%
FINANCIAL SERVICES · Cap: $2.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2663% more annual revenue ($35.53B vs $1.29B). SLF leads profitability with a 9.5% profit margin vs 4.7%. SLF trades at a lower P/E of 18.5x. SLF earns a higher WallStSmart Score of 67/100 (B-).
SLF
Strong Buy67
out of 100
Grade: B-
UPST
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bull Case : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth, Price/Book. Revenue growth of 42.3% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are Altman Z-Score.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 47.1x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
SLF profiles as a value stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.43 — expect wider price swings.
UPST is growing revenue faster at 42.3% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
SLF scores higher overall (67/100 vs 56/100). 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.
Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
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