WallStSmart

Sun Life Financial Inc. (SLF)vsYirendai Ltd (YRD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 587% more annual revenue ($34.90B vs $5.08B). SLF leads profitability with a 8.8% profit margin vs -13.5%. YRD appears more attractively valued with a PEG of 1.24. SLF earns a higher WallStSmart Score of 51/100 (C-).

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 7.3
Piotroski: 5/9

YRD

Hold

45

out of 100

Grade: D

Growth: 4.0Profit: 5.5Value: 5.3Quality: 9.0
Piotroski: 4/9Altman Z: 3.09

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

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

YRD4 strengths · Avg: 9.5/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.0910/10

Safe zone — low bankruptcy risk

Operating MarginProfitability
27.1%8/10

Strong operational efficiency at 27.1%

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%

YRD4 concerns · Avg: 2.3/10
Market CapQuality
$125.98M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-11.5%2/10

ROE of -11.5% — below average capital efficiency

Revenue GrowthGrowth
-41.1%2/10

Revenue declined 41.1%

EPS GrowthGrowth
-10.2%2/10

Earnings declined 10.2%

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 : YRD

The strongest argument for YRD centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 1.24 suggests the stock is reasonably priced for its growth.

Bear Case : SLF

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

Bear Case : YRD

The primary concerns for YRD are Market Cap, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

SLF profiles as a value stock while YRD is a turnaround play — different risk/reward profiles.

YRD carries more volatility with a beta of 1.12 — 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

SLF scores higher overall (51/100 vs 45/100). 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.

Yirendai Ltd

FINANCIAL SERVICES · CREDIT SERVICES · China

Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.

Visit Website →

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