WallStSmart

First Savings Financial Group Inc (FSFG)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 41313% more annual revenue ($34.88B vs $84.22M). SLF leads profitability with a 10.2% profit margin vs 0.3%. FSFG trades at a lower P/E of 10.2x. SLF earns a higher WallStSmart Score of 67/100 (B-).

FSFG

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 4.0Value: 6.7Quality: 3.0
Piotroski: 5/9Altman Z: -0.45

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

FSFG2 strengths · Avg: 10.0/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

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

FSFG4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

EPS GrowthGrowth
0.4%4/10

0.4% earnings growth

Market CapQuality
$238.37M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.1%3/10

ROE of 0.1% — below average capital efficiency

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FSFG

The strongest argument for FSFG centers on P/E Ratio, Price/Book.

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 : FSFG

The primary concerns for FSFG are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 2.40 is elevated, increasing financial risk. Thin 0.3% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

SLF is growing revenue faster at 4.7% — sustainability is the question.

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

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FSFG scores higher overall (67/100 vs 67/100). 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 Savings Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, 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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