WallStSmart

CNO Financial Group Inc (CNO)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 673% more annual revenue ($34.90B vs $4.51B). SLF leads profitability with a 8.8% profit margin vs 5.4%. CNO appears more attractively valued with a PEG of 1.29. CNO earns a higher WallStSmart Score of 62/100 (C+).

CNO

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 5.0Value: 5.7Quality: 4.3
Piotroski: 4/9

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNO2 strengths · Avg: 9.0/10
EPS GrowthGrowth
85.7%10/10

Earnings expanding 85.7% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

CNO3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.5%4/10

2.5% revenue growth

Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Debt/EquityHealth
1.723/10

Elevated debt levels

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNO

The strongest argument for CNO centers on EPS Growth, Price/Book. PEG of 1.29 suggests the stock is reasonably priced for its growth.

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.

Bear Case : CNO

The primary concerns for CNO are Revenue Growth, Profit Margin, Debt/Equity. Debt-to-equity of 1.72 is elevated, increasing financial risk.

Bear Case : SLF

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

Key Dynamics to Monitor

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

CNO is growing revenue faster at 2.5% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

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

Bottom Line

CNO scores higher overall (62/100 vs 51/100). Both earn "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.

CNO Financial Group Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.

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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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