WallStSmart

Sun Life Financial Inc. (SLF)vsWestern Union Co (WU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 762% more annual revenue ($34.90B vs $4.05B). WU leads profitability with a 10.9% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. WU earns a higher WallStSmart Score of 57/100 (C).

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

WU

Buy

57

out of 100

Grade: C

Growth: 2.0Profit: 7.0Value: 6.3Quality: 3.0
Piotroski: 3/9Altman Z: 0.95

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

WU3 strengths · Avg: 9.3/10
P/E RatioValuation
5.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
48.4%10/10

Every $100 of equity generates 48 in profit

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

WU4 concerns · Avg: 2.8/10
PEG RatioValuation
2.134/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-0.1%2/10

Revenue declined 0.1%

EPS GrowthGrowth
-44.4%2/10

Earnings declined 44.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bull Case : WU

The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth.

Bear Case : WU

The primary concerns for WU are PEG Ratio, Piotroski F-Score, Revenue Growth. Debt-to-equity of 2.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

SLF profiles as a value stock while WU is a declining play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.83 — expect wider price swings.

SLF is growing revenue faster at 0.2% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WU scores higher overall (57/100 vs 51/100). Both earn "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.

Western Union Co

FINANCIAL SERVICES · CREDIT SERVICES · USA

The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.

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