WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 764% more annual revenue ($34.90B vs $4.04B). WU leads profitability with a 9.8% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. WU earns a higher WallStSmart Score of 55/100 (C).

SLF

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 5.0Quality: 7.3
Piotroski: 5/9

WU

Buy

55

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
2.7x8/10

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
5.1x10/10

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

SLF3 concerns · Avg: 3.3/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

WU4 concerns · Avg: 3.0/10
PEG RatioValuation
1.774/10

Expensive relative to growth rate

Market CapQuality
$1.98B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-1.3%2/10

Revenue declined 1.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow.

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 PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : WU

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

Key Dynamics to Monitor

SLF carries more volatility with a beta of 0.82 — 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.

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

Bottom Line

WU scores higher overall (55/100 vs 49/100). Both earn "Buy" and "Hold" 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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