WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 761% more annual revenue ($34.88B vs $4.05B). WU leads profitability with a 10.9% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. 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

WU

Buy

56

out of 100

Grade: C

Growth: 2.0Profit: 7.0Value: 6.3Quality: 3.5
Piotroski: 3/9Altman Z: 1.03

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
16.1x8/10

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

WU3 strengths · Avg: 9.3/10
P/E RatioValuation
6.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
47.7%10/10

Every $100 of equity generates 48 in profit

Price/BookValuation
3.0x8/10

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

WU4 concerns · Avg: 2.8/10
PEG RatioValuation
1.984/10

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 EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 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.

Bear Case : WU

The primary concerns for WU are PEG Ratio, Piotroski F-Score, Revenue Growth. Debt-to-equity of 2.80 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 0.79 — 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.

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.

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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