WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 928% more annual revenue ($34.88B vs $3.39B). ZION leads profitability with a 28.4% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. ZION earns a higher WallStSmart Score of 73/100 (B).

SLF

Strong Buy

67

out of 100

Grade: B-

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

ZION

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 6.0
Piotroski: 5/9Altman Z: 0.48

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

ZION5 strengths · Avg: 9.4/10
P/E RatioValuation
9.8x10/10

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
38.1%8/10

Earnings expanding 38.1% YoY

Areas to Watch

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

4.7% revenue growth

ZION2 concerns · Avg: 2.0/10
PEG RatioValuation
3.462/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.482/10

Distress zone — elevated risk

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 : 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.

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.

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

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

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

Bottom Line

ZION scores higher overall (73/100 vs 67/100), backed by strong 28.4% margins and 10.2% 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.

Zions Bancorporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

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

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