WallStSmart

Aon PLC (AON)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 100% more annual revenue ($34.90B vs $17.49B). AON leads profitability with a 22.5% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. AON earns a higher WallStSmart Score of 66/100 (B-).

AON

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 8.5Value: 4.3Quality: 4.5
Piotroski: 6/9Altman Z: 0.82

SLF

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AON5 strengths · Avg: 9.2/10
Return on EquityProfitability
40.1%10/10

Every $100 of equity generates 40 in profit

Operating MarginProfitability
35.8%10/10

Strong operational efficiency at 35.8%

Market CapQuality
$76.76B9/10

Large-cap with strong market position

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

EPS GrowthGrowth
27.1%8/10

Earnings expanding 27.1% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

AON4 concerns · Avg: 2.8/10
Price/BookValuation
8.2x4/10

Trading at 8.2x book value

Debt/EquityHealth
1.573/10

Elevated debt levels

PEG RatioValuation
3.062/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

SLF3 concerns · Avg: 3.3/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

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 : AON

The strongest argument for AON centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 22.5% and operating margin at 35.8%.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow.

Bear Case : AON

The primary concerns for AON are Price/Book, Debt/Equity, PEG Ratio. Debt-to-equity of 1.57 is elevated, increasing financial risk.

Bear Case : SLF

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

Key Dynamics to Monitor

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

SLF carries more volatility with a beta of 0.82 — expect wider price swings.

AON is growing revenue faster at 6.5% — sustainability is the question.

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

Bottom Line

AON scores higher overall (66/100 vs 49/100), backed by strong 22.5% margins. Both earn "Strong 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.

Aon PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Aon plc is a multinational professional services firm that sells a range of financial risk-mitigation products, including insurance, pension administration, and health-insurance plans.

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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