WallStSmart

Sun Life Financial Inc. (SLF)vsValley National Bancorp (VLY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1697% more annual revenue ($34.88B vs $1.94B). VLY leads profitability with a 33.8% profit margin vs 10.2%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 79/100 (B+).

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

VLY

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 6.5
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
16.1x8/10

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

VLY6 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.8%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

EPS GrowthGrowth
58.1%10/10

Earnings expanding 58.1% YoY

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
23.8%8/10

Revenue surging 23.8% year-over-year

Areas to Watch

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

4.7% revenue growth

VLY0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : VLY

The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.8% and operating margin at 46.4%. Revenue growth of 23.8% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Bear Case : VLY

No major red flags identified for VLY, but monitor valuation.

Key Dynamics to Monitor

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

VLY carries more volatility with a beta of 1.05 — expect wider price swings.

VLY is growing revenue faster at 23.8% — sustainability is the question.

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

Bottom Line

VLY scores higher overall (79/100 vs 67/100), backed by strong 33.8% margins and 23.8% 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.

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.

Valley National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.

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