WallStSmart

CNO Financial Group Inc (CNO)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 665% more annual revenue ($35.53B vs $4.65B). SLF leads profitability with a 9.5% profit margin vs 6.0%. CNO appears more attractively valued with a PEG of 1.29. CNO earns a higher WallStSmart Score of 72/100 (B).

CNO

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 5.5Value: 5.7Quality: 3.5
Piotroski: 4/9Altman Z: 0.12

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNO2 strengths · Avg: 8.0/10
Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
46.2%8/10

Earnings expanding 46.2% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

CNO3 concerns · Avg: 2.7/10
Profit MarginProfitability
6.0%3/10

6.0% margin — thin

Debt/EquityHealth
1.763/10

Elevated debt levels

Altman Z-ScoreHealth
0.122/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CNO

The strongest argument for CNO centers on Price/Book, EPS Growth. Revenue growth of 11.6% demonstrates continued momentum. PEG of 1.29 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : CNO

The primary concerns for CNO are Profit Margin, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.76 is elevated, increasing financial risk.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

CNO carries more volatility with a beta of 0.81 — expect wider price swings.

CNO is growing revenue faster at 11.6% — sustainability is the question.

CNO generates stronger free cash flow (157M), providing more financial flexibility.

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

Bottom Line

CNO scores higher overall (72/100 vs 65/100) and 11.6% 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.

CNO Financial Group Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.

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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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