WallStSmart

Ellington Residential Mortgage (EARN)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 97075% more annual revenue ($34.88B vs $35.89M). SLF leads profitability with a 10.2% profit margin vs -14.6%. SLF trades at a lower P/E of 15.7x. SLF earns a higher WallStSmart Score of 67/100 (B-).

EARN

Hold

37

out of 100

Grade: F

Growth: 6.7Profit: 4.0Value: 6.0Quality: 5.0

SLF

Strong Buy

67

out of 100

Grade: B-

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EARN3 strengths · Avg: 9.3/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
68.4%10/10

Strong operational efficiency at 68.4%

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

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

Areas to Watch

EARN4 concerns · Avg: 2.0/10
Market CapQuality
$175.07M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-2.8%2/10

ROE of -2.8% — below average capital efficiency

Revenue GrowthGrowth
-61.0%2/10

Revenue declined 61.0%

Profit MarginProfitability
-14.6%1/10

Currently unprofitable

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : EARN

The strongest argument for EARN centers on Price/Book, Operating Margin, P/E Ratio.

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.

Bear Case : EARN

The primary concerns for EARN are Market Cap, Return on Equity, Revenue Growth.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

EARN profiles as a turnaround stock while SLF is a value play — different risk/reward profiles.

EARN carries more volatility with a beta of 1.29 — expect wider price swings.

SLF is growing revenue faster at 4.7% — sustainability is the question.

Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (67/100 vs 37/100). 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.

Ellington Residential Mortgage

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Ellington Residential Mortgage REIT, a real estate investment trust, specializes in acquiring, investing, and managing residential and real estate-related mortgage assets. The company is headquartered in Old Greenwich, Connecticut.

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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