WallStSmart

Sun Life Financial Inc. (SLF)vsZions Bancorporation (ZION)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 929% more annual revenue ($34.90B vs $3.39B). ZION leads profitability with a 28.4% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. ZION earns a higher WallStSmart Score of 73/100 (B).

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

ZION

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.63

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

ZION5 strengths · Avg: 9.4/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.1%10/10

Strong operational efficiency at 36.1%

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

EPS GrowthGrowth
37.9%8/10

Earnings expanding 37.9% YoY

Areas to Watch

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

ZION2 concerns · Avg: 2.0/10
PEG RatioValuation
3.682/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.632/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bull Case : ZION

The strongest argument for ZION centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 36.1%. Revenue growth of 10.2% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth.

Bear Case : ZION

The primary concerns for ZION are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

SLF profiles as a value stock while ZION is a mature play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.83 — expect wider price swings.

ZION is growing revenue faster at 10.2% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

ZION scores higher overall (73/100 vs 51/100), backed by strong 28.4% margins and 10.2% revenue growth. 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.

Zions Bancorporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.

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