WallStSmart

Sun Life Financial Inc. (SLF)vsState Street Corp (STT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 136% more annual revenue ($35.53B vs $15.02B). STT leads profitability with a 23.0% profit margin vs 9.5%. STT appears more attractively valued with a PEG of 0.70. SLF earns a higher WallStSmart Score of 65/100 (B-).

SLF

Strong Buy

65

out of 100

Grade: B-

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

STT

Buy

62

out of 100

Grade: C+

Growth: 4.0Profit: 7.0Value: 7.0Quality: 4.5
Piotroski: 5/9Altman Z: -0.03

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

STT6 strengths · Avg: 8.3/10
Market CapQuality
$53.28B9/10

Large-cap with strong market position

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

PEG RatioValuation
0.708/10

Growing faster than its price suggests

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
27.8%8/10

Strong operational efficiency at 27.8%

Areas to Watch

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

Expensive relative to growth rate

STT4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.083/10

Elevated debt levels

Revenue GrowthGrowth
-2.8%2/10

Revenue declined 2.8%

EPS GrowthGrowth
-24.1%2/10

Earnings declined 24.1%

Free Cash FlowQuality
$-2.60B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

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

Bull Case : STT

The strongest argument for STT centers on Market Cap, Profit Margin, PEG Ratio. Profitability is solid with margins at 23.0% and operating margin at 27.8%. PEG of 0.70 suggests the stock is reasonably priced for its growth.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Bear Case : STT

The primary concerns for STT are Debt/Equity, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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

STT carries more volatility with a beta of 1.42 — expect wider price swings.

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

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

SLF scores higher overall (65/100 vs 62/100). 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.

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.

State Street Corp

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

State Street Corporation is an American financial services and bank holding company headquartered at One Lincoln Street in Boston with operations worldwide.

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