WallStSmart

Renasant Corporation (RNST)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 3871% more annual revenue ($34.88B vs $878.39M). RNST leads profitability with a 20.6% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. RNST earns a higher WallStSmart Score of 77/100 (B+).

RNST

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 6.5Value: 5.7Quality: 6.5
Piotroski: 2/9Altman Z: 0.16

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

RNST6 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

Revenue GrowthGrowth
62.7%10/10

Revenue surging 62.7% year-over-year

Profit MarginProfitability
20.6%9/10

Keeps 21 of every $100 in revenue as profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

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

RNST4 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Return on EquityProfitability
5.5%3/10

ROE of 5.5% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.162/10

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 : RNST

The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.6% and operating margin at 43.5%. Revenue growth of 62.7% 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 : RNST

The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

RNST profiles as a growth stock while SLF is a value play — different risk/reward profiles.

RNST carries more volatility with a beta of 0.97 — expect wider price swings.

RNST is growing revenue faster at 62.7% — sustainability is the question.

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

Bottom Line

RNST scores higher overall (77/100 vs 67/100), backed by strong 20.6% margins and 62.7% 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.

Renasant Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, 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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