WallStSmart

Aegon NV ADR (AEG)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 186% more annual revenue ($34.90B vs $12.19B). SLF leads profitability with a 8.8% profit margin vs 8.0%. SLF appears more attractively valued with a PEG of 1.42. SLF earns a higher WallStSmart Score of 51/100 (C-).

AEG

Hold

40

out of 100

Grade: D

Growth: 3.0Profit: 6.0Value: 5.0Quality: 5.5
Piotroski: 5/9

SLF

Buy

51

out of 100

Grade: C-

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AEG3 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Return on EquityProfitability
27.6%9/10

Every $100 of equity generates 28 in profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

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

Areas to Watch

AEG4 concerns · Avg: 2.3/10
Operating MarginProfitability
0.3%3/10

Operating margin of 0.3%

PEG RatioValuation
14.092/10

Expensive relative to growth rate

Revenue GrowthGrowth
-13.7%2/10

Revenue declined 13.7%

EPS GrowthGrowth
-46.7%2/10

Earnings declined 46.7%

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : AEG

The strongest argument for AEG centers on Price/Book, Return on Equity, P/E Ratio.

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.

Bear Case : AEG

The primary concerns for AEG are Operating Margin, PEG Ratio, Revenue Growth.

Bear Case : SLF

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

Key Dynamics to Monitor

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

SLF is growing revenue faster at 0.2% — sustainability is the question.

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

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (51/100 vs 40/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Aegon NV ADR

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Aegon NV offers a range of financial services in the Americas, Europe and Asia. The company is headquartered in The Hague, the Netherlands.

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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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