WallStSmart

Old Republic International Corp (ORI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 270% more annual revenue ($34.90B vs $9.42B). ORI leads profitability with a 10.8% profit margin vs 8.8%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 78/100 (B+).

ORI

Strong Buy

78

out of 100

Grade: B+

Growth: 6.7Profit: 6.5Value: 7.0Quality: 6.5
Piotroski: 4/9

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

ORI4 strengths · Avg: 8.8/10
P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
34.7%8/10

Earnings expanding 34.7% YoY

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

ORI0 concerns · Avg: 0/10

No major concerns identified

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 : ORI

The strongest argument for ORI centers on P/E Ratio, Debt/Equity, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.39 suggests the stock is reasonably priced for its growth.

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 : ORI

No major red flags identified for ORI, but monitor valuation.

Bear Case : SLF

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

Key Dynamics to Monitor

SLF carries more volatility with a beta of 0.83 — expect wider price swings.

ORI is growing revenue faster at 13.5% — sustainability is the question.

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

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ORI scores higher overall (78/100 vs 51/100) and 13.5% revenue growth. Both earn "Strong 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.

Old Republic International Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.

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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