WallStSmart

Reinsurance Group of America (RGA)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 47% more annual revenue ($34.88B vs $23.70B). SLF leads profitability with a 10.2% profit margin vs 5.0%. RGA appears more attractively valued with a PEG of 1.14. RGA earns a higher WallStSmart Score of 70/100 (B-).

RGA

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 5.0Value: 7.0Quality: 6.0
Piotroski: 4/9

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

RGA4 strengths · Avg: 9.5/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
216.6%10/10

Earnings expanding 216.6% YoY

Revenue GrowthGrowth
26.6%8/10

Revenue surging 26.6% year-over-year

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

RGA1 concerns · Avg: 3.0/10
Profit MarginProfitability
5.0%3/10

5.0% margin — thin

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : RGA

The strongest argument for RGA centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 26.6% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.

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 : RGA

The primary concerns for RGA are Profit Margin. Thin 5.0% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

RGA profiles as a growth 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.

RGA is growing revenue faster at 26.6% — sustainability is the question.

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

Bottom Line

RGA scores higher overall (70/100 vs 67/100) and 26.6% revenue growth. 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.

Reinsurance Group of America

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.

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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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