WallStSmart

Fifth Third Bancorp (FITBI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 329% more annual revenue ($34.90B vs $8.13B). FITBI leads profitability with a 28.4% profit margin vs 8.8%. FITBI trades at a lower P/E of 7.4x. SLF earns a higher WallStSmart Score of 51/100 (C-).

FITBI

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 7.0Value: 6.7Quality: 6.5
Piotroski: 6/9Altman Z: 0.17

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

FITBI4 strengths · Avg: 9.8/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

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

FITBI4 concerns · Avg: 2.3/10
Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Revenue GrowthGrowth
-1.0%2/10

Revenue declined 1.0%

EPS GrowthGrowth
-1.2%2/10

Earnings declined 1.2%

Free Cash FlowQuality
$-1.25B2/10

Negative free cash flow — burning cash

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 : FITBI

The strongest argument for FITBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 38.5%.

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 : FITBI

The primary concerns for FITBI are Return on Equity, Revenue Growth, EPS Growth.

Bear Case : SLF

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

Key Dynamics to Monitor

FITBI profiles as a declining stock while SLF is a value play — different risk/reward profiles.

FITBI carries more volatility with a beta of 1.26 — 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.

Bottom Line

SLF scores higher overall (51/100 vs 43/100). 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.

Fifth Third Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fifth Third Bancorp is a diversified financial services company based in Cincinnati, Ohio, and the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution.

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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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