WallStSmart

First Horizon Corporation (FHN)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 917% more annual revenue ($34.88B vs $3.43B). FHN leads profitability with a 29.9% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. FHN earns a higher WallStSmart Score of 75/100 (B).

FHN

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.23

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FHN5 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.4%10/10

Strong operational efficiency at 41.4%

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.3%8/10

Earnings expanding 29.3% YoY

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

FHN2 concerns · Avg: 3.0/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.232/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FHN

The strongest argument for FHN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 41.4%.

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : FHN

The primary concerns for FHN are PEG Ratio, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

FHN is growing revenue faster at 9.6% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

FHN scores higher overall (75/100 vs 67/100), backed by strong 29.9% 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 Horizon Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Horizon Corporation is the banking holding company for First Horizon Bank providing various financial services. The company is headquartered in Memphis, Tennessee.

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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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