First BanCorp. (FBP)vsSun Life Financial Inc. (SLF)
FBP
First BanCorp.
$27.69
-0.18%
FINANCIAL SERVICES · Cap: $4.24B
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 3623% more annual revenue ($35.53B vs $954.21M). FBP leads profitability with a 39.0% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. FBP earns a higher WallStSmart Score of 66/100 (B-).
FBP
Strong Buy66
out of 100
Grade: B-
SLF
Strong Buy65
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.0% and operating margin at 49.1%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
FBP profiles as a mature stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
FBP is growing revenue faster at 9.4% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
FBP scores higher overall (66/100 vs 65/100), backed by strong 39.0% margins. 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.
First BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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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