WallStSmart

Sun Life Financial Inc. (SLF)vsWorld Acceptance Corporation (WRLD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 5983% more annual revenue ($34.88B vs $573.38M). SLF leads profitability with a 10.2% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. SLF earns a higher WallStSmart Score of 67/100 (B-).

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

WRLD

Buy

52

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 6.3Quality: 7.0
Piotroski: 7/9Altman Z: 2.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

WRLD2 strengths · Avg: 8.0/10
PEG RatioValuation
0.708/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

WRLD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Market CapQuality
$779.34M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

EPS GrowthGrowth
-86.0%2/10

Earnings declined 86.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bull Case : WRLD

The strongest argument for WRLD centers on PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Bear Case : WRLD

The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.

Key Dynamics to Monitor

WRLD carries more volatility with a beta of 1.17 — expect wider price swings.

SLF is growing revenue faster at 4.7% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (67/100 vs 52/100). 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.

World Acceptance Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.

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