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SLF vs. XP: A Head-to-Head Stock Comparison

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Here’s a clear look at SLF and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolSLFXP
Company NameSun Life Financial Inc.XP Inc.
CountryCanadaCayman Islands
GICS SectorFinancialsFinancials
GICS IndustryInsuranceCapital Markets
Market Capitalization33.07 billion USD8.45 billion USD
ExchangeNYSENasdaqGS
Listing DateMarch 23, 2000December 11, 2019
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of SLF and XP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SLF vs. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolSLFXP
5-Day Price Return1.42%-7.73%
13-Week Price Return-7.98%-13.88%
26-Week Price Return-4.38%11.89%
52-Week Price Return12.99%-19.77%
Month-to-Date Return-4.21%-0.59%
Year-to-Date Return-5.19%35.40%
10-Day Avg. Volume1.95M6.19M
3-Month Avg. Volume1.86M6.44M
3-Month Volatility20.84%32.07%
Beta0.441.10

Profitability

Return on Equity (TTM)

SLF

12.98%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

SLF’s Return on Equity of 12.98% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

XP

23.24%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 23.24% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SLF vs. XP: A comparison of their Return on Equity (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

SLF

9.67%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

SLF’s Net Profit Margin of 9.67% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

XP

28.02%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

XP’s Net Profit Margin of 28.02% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

SLF vs. XP: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

SLF

12.89%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

XP

33.11%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

XP’s Operating Profit Margin of 33.11% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

SLF vs. XP: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolSLFXP
Return on Equity (TTM)12.98%23.24%
Return on Assets (TTM)0.90%1.42%
Net Profit Margin (TTM)9.67%28.02%
Operating Profit Margin (TTM)12.89%33.11%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

SLF

--

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

XP

0.20

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SLF vs. XP: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

SLF

0.25

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

XP

4.20

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

SLF vs. XP: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

SLF

1.21

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

XP

7.81

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

SLF vs. XP: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolSLFXP
Current Ratio (MRQ)--0.20
Quick Ratio (MRQ)--0.15
Debt-to-Equity Ratio (MRQ)0.254.20
Interest Coverage Ratio (TTM)1.217.81

Growth

Revenue Growth

SLF vs. XP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SLF vs. XP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SLF

4.41%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

SLF’s Dividend Yield of 4.41% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

XP

7.57%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

With a Dividend Yield of 7.57%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

SLF vs. XP: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

SLF

59.98%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

SLF’s Dividend Payout Ratio of 59.98% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

XP

172.60%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

SLF vs. XP: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolSLFXP
Dividend Yield (TTM)4.41%7.57%
Dividend Payout Ratio (TTM)59.98%172.60%

Valuation

Price-to-Earnings Ratio (TTM)

SLF

13.61

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

SLF’s P/E Ratio of 13.61 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

XP

9.51

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 9.51 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SLF vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

SLF

1.32

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

SLF’s P/S Ratio of 1.32 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

XP

2.66

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

XP’s P/S Ratio of 2.66 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

SLF vs. XP: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

SLF

2.03

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

SLF’s P/B Ratio of 2.03 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

XP

2.63

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

XP’s P/B Ratio of 2.63 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SLF vs. XP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolSLFXP
Price-to-Earnings Ratio (TTM)13.619.51
Price-to-Sales Ratio (TTM)1.322.66
Price-to-Book Ratio (MRQ)2.032.63
Price-to-Free Cash Flow Ratio (TTM)10.013.61