WallStSmart

Cathay General Bancorp (CATY)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 4368% more annual revenue ($35.53B vs $795.20M). CATY leads profitability with a 43.7% profit margin vs 9.5%. CATY appears more attractively valued with a PEG of 1.33. CATY earns a higher WallStSmart Score of 75/100 (B).

CATY

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 6/9Altman Z: -0.02

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CATY6 strengths · Avg: 9.3/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
43.7%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
62.6%10/10

Strong operational efficiency at 62.6%

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
24.5%8/10

Earnings expanding 24.5% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

CATY1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CATY

The strongest argument for CATY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.7% and operating margin at 62.6%. Revenue growth of 13.8% demonstrates continued momentum.

Bull Case : SLF

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

Bear Case : CATY

The primary concerns for CATY are Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

CATY profiles as a mature stock while SLF is a value play — different risk/reward profiles.

CATY carries more volatility with a beta of 0.84 — expect wider price swings.

CATY is growing revenue faster at 13.8% — sustainability is the question.

CATY generates stronger free cash flow (235M), providing more financial flexibility.

Bottom Line

CATY scores higher overall (75/100 vs 65/100), backed by strong 43.7% margins and 13.8% revenue growth. Both earn "Strong Buy" and "Strong 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.

Cathay General Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Cathay General Bancorp is the holding company of Cathay Bank offering various commercial banking products and services to individuals, professionals, and small and medium-sized businesses in the United States. The company is headquartered in Los Angeles, California.

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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.

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