WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 780% more annual revenue ($35.53B vs $4.04B). WU leads profitability with a 9.8% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. SLF earns a higher WallStSmart Score of 67/100 (B-).

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 7.3
Piotroski: 5/9

WU

Buy

53

out of 100

Grade: C-

Growth: 2.0Profit: 7.0Value: 5.7Quality: 4.5
Piotroski: 3/9Altman Z: 0.95

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

WU3 strengths · Avg: 9.3/10
P/E RatioValuation
5.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
48.4%10/10

Every $100 of equity generates 48 in profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

SLF0 concerns · Avg: 0/10

No major concerns identified

WU4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
12.032/10

Expensive relative to growth rate

Revenue GrowthGrowth
-1.3%2/10

Revenue declined 1.3%

EPS GrowthGrowth
-35.1%2/10

Earnings declined 35.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 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

No major red flags identified for SLF, but monitor valuation.

Bear Case : WU

The primary concerns for WU are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 2.95 is elevated, increasing financial risk.

Key Dynamics to Monitor

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

SLF is growing revenue faster at 7.5% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

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

Bottom Line

SLF scores higher overall (67/100 vs 53/100). 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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