WallStSmart

Hancock Whitney Corp (HWC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2419% more annual revenue ($34.90B vs $1.39B). HWC leads profitability with a 29.9% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. HWC earns a higher WallStSmart Score of 55/100 (C-).

HWC

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 7.0Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.29

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

HWC4 strengths · Avg: 8.8/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Operating MarginProfitability
23.9%8/10

Strong operational efficiency at 23.9%

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

HWC4 concerns · Avg: 2.5/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Revenue GrowthGrowth
-21.1%2/10

Revenue declined 21.1%

EPS GrowthGrowth
-58.7%2/10

Earnings declined 58.7%

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

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 : HWC

The strongest argument for HWC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.9% and operating margin at 23.9%.

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 : HWC

The primary concerns for HWC are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : SLF

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

Key Dynamics to Monitor

HWC profiles as a declining stock while SLF is a value play — different risk/reward profiles.

HWC carries more volatility with a beta of 0.98 — expect wider price swings.

SLF is growing revenue faster at 0.2% — sustainability is the question.

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

Bottom Line

HWC scores higher overall (55/100 vs 51/100), backed by strong 29.9% margins. 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.

Hancock Whitney Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Hancock Whitney Corporation is the banking holding company for Hancock Whitney Bank offering a range of banking products and services to commercial, small business and retail clients. The company is headquartered in Gulfport, Mississippi.

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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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