WallStSmart

Sun Life Financial Inc. (SLF)vsWhite Mountains Insurance Group Ltd (WTM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 834% more annual revenue ($34.88B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 10.2%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).

SLF

Strong Buy

67

out of 100

Grade: B-

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

WTM

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 9.0Value: 7.7Quality: 5.0
Piotroski: 3/9Altman Z: 1.85

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

WTM6 strengths · Avg: 9.7/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
64.3%10/10

Strong operational efficiency at 64.3%

Revenue GrowthGrowth
348.0%10/10

Revenue surging 348.0% year-over-year

Return on EquityProfitability
21.1%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

Areas to Watch

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

4.7% revenue growth

WTM3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-36.6%2/10

Earnings declined 36.6%

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 : WTM

The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. Revenue growth of 348.0% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Bear Case : WTM

The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

SLF profiles as a value stock while WTM is a growth play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

WTM is growing revenue faster at 348.0% — sustainability is the question.

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

Bottom Line

WTM scores higher overall (82/100 vs 67/100), backed by strong 29.6% margins and 348.0% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

White Mountains Insurance Group Ltd

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.

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