SLF vs UNM

For growth investors, Sun Life Financial Inc.

(SLF) is the stronger pick with 22. 3% revenue growth year-over-year, versus 2. 1% for Unum Group (UNM). Sun Life Financial Inc. (SLF) offers the better valuation at 15. 4x trailing P/E (12. 0x forward), making it the more compelling value choice. Analysts rate Sun Life Financial Inc. (SLF) a "Hold" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Sun Life Financial Inc.

(SLF) is the cheapest at 15. 4x versus Unum Group at 18. 8x. On forward P/E, Unum Group is actually cheaper at 9. 2x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Sun Life Financial Inc. wins at 1. 40x versus Unum Group's 4. 76x — a reasonable growth-adjusted valuation.

Over the past 5 years, Unum Group (UNM) delivered a total return of +193.

8%, compared to +48. 2% for Sun Life Financial Inc. (SLF). Over 10 years, the gap is even starker: UNM returned +177. 2% versus SLF's +172. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Sun Life Financial Inc.

(SLF) is the lower-risk stock at 0. 39β versus Unum Group's 0. 48β — meaning UNM is approximately 23% more volatile than SLF relative to the S&P 500. On balance sheet safety, Unum Group (UNM) carries a lower debt/equity ratio of 35% versus 87% for Sun Life Financial Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Sun Life Financial Inc.

(SLF) is pulling ahead at 22. 3% versus 2. 1% for Unum Group (UNM). On earnings-per-share growth, the picture is similar: Sun Life Financial Inc. grew EPS 16. 7% year-over-year, compared to -54. 8% for Unum Group. Over a 3-year CAGR, SLF leads at 130. 8% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Sun Life Financial Inc.

(SLF) is the more profitable company, earning 8. 9% net margin versus 5. 7% for Unum Group — meaning it keeps 8. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SLF leads at 11. 4% versus 7. 2% for UNM. At the gross margin level — before operating expenses — SLF leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Sun Life Financial Inc. (SLF) is the more undervalued stock at a PEG of 1. 40x versus Unum Group's 4. 76x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Unum Group (UNM) trades at 9. 2x forward P/E versus 12. 0x for Sun Life Financial Inc. — 2. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UNM: 22. 0% to $98. 00.

All stocks in this comparison pay dividends.

Sun Life Financial Inc. (SLF) offers the highest yield at 3. 8%, versus 2. 2% for Unum Group (UNM).

For long-horizon retirement investors, Sun Life Financial Inc.

(SLF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 39), 3. 8% yield, +172. 7% 10Y return). Both have compounded well over 10 years (SLF: +172. 7%, UNM: +177. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: SLF is a mid-cap high-growth stock; UNM is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.