WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 218% more annual revenue ($35.53B vs $11.17B). RNR leads profitability with a 23.6% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. SLF earns a higher WallStSmart Score of 65/100 (B-).

RNR

Strong Buy

65

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 5.7Quality: 7.5
Piotroski: 6/9Altman Z: 1.92

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RNR6 strengths · Avg: 9.5/10
P/E RatioValuation
5.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Return on EquityProfitability
22.3%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
23.6%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

RNR4 concerns · Avg: 2.5/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

PEG RatioValuation
3.622/10

Expensive relative to growth rate

Revenue GrowthGrowth
-13.2%2/10

Revenue declined 13.2%

EPS GrowthGrowth
-10.0%2/10

Earnings declined 10.0%

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

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 23.6% and operating margin at 41.7%.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : RNR

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

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

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

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

SLF is growing revenue faster at 7.5% — sustainability is the question.

RNR generates stronger free cash flow (852M), providing more financial flexibility.

Bottom Line

RNR scores higher overall (65/100 vs 65/100), backed by strong 23.6% margins. 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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