WallStSmart

Fidelity National Financial Inc (FNF)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 140% more annual revenue ($34.88B vs $14.51B). SLF leads profitability with a 10.2% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 72/100 (B).

FNF

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 4.5Value: 6.3Quality: 5.3
Piotroski: 3/9Altman Z: 0.92

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

FNF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.858/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
37.1%8/10

Earnings expanding 37.1% YoY

Free Cash FlowQuality
$1.84B8/10

Generating 1.8B in free cash flow

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

FNF4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.8%3/10

ROE of 7.8% — below average capital efficiency

Profit MarginProfitability
4.2%3/10

4.2% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.922/10

Distress zone — elevated risk

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FNF

The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.

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 : FNF

The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

FNF carries more volatility with a beta of 1.06 — expect wider price swings.

FNF is growing revenue faster at 12.3% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

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

Bottom Line

FNF scores higher overall (72/100 vs 67/100) and 12.3% 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.

Fidelity National Financial Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.

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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