First Commonwealth Financial (FCF)vsSun Life Financial Inc. (SLF)
FCF
First Commonwealth Financial
$21.79
+1.97%
FINANCIAL SERVICES · Cap: $2.13B
SLF
Sun Life Financial Inc.
$82.27
-2.14%
FINANCIAL SERVICES · Cap: $46.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 6940% more annual revenue ($34.90B vs $495.72M). FCF leads profitability with a 31.7% profit margin vs 8.8%. FCF appears more attractively valued with a PEG of 1.46. FCF earns a higher WallStSmart Score of 71/100 (B).
FCF
Strong Buy71
out of 100
Grade: B
SLF
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : FCF
The strongest argument for FCF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.8%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bear Case : FCF
The primary concerns for FCF are Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FCF profiles as a mature stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
FCF is growing revenue faster at 9.1% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
FCF scores higher overall (71/100 vs 49/100), backed by strong 31.7% margins. Both earn "Strong Buy" and "Hold" 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 Commonwealth Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania.
Visit Website →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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