WallStSmart

Renaissancere Holdings Ltd (RNR)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 171% more annual revenue ($34.88B vs $12.86B). RNR leads profitability with a 20.8% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. RNR earns a higher WallStSmart Score of 71/100 (B).

RNR

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 6/9Altman Z: 1.06

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

RNR5 strengths · Avg: 9.4/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

Profit MarginProfitability
20.8%9/10

Keeps 21 of every $100 in revenue as profit

Revenue GrowthGrowth
27.6%8/10

Revenue surging 27.6% 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

RNR3 concerns · Avg: 2.0/10
PEG RatioValuation
3.622/10

Expensive relative to growth rate

EPS GrowthGrowth
-14.2%2/10

Earnings declined 14.2%

Altman Z-ScoreHealth
1.062/10

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 : RNR

The strongest argument for RNR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.8% and operating margin at 43.7%. Revenue growth of 27.6% demonstrates continued momentum.

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 : RNR

The primary concerns for RNR are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

RNR 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.

RNR is growing revenue faster at 27.6% — sustainability is the question.

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

Bottom Line

RNR scores higher overall (71/100 vs 67/100), backed by strong 20.8% margins and 27.6% 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.

Renaissancere Holdings Ltd

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.

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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