WallStSmart

Hancock Whitney Corp (HWC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2418% more annual revenue ($34.88B vs $1.39B). HWC leads profitability with a 29.9% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. SLF earns a higher WallStSmart Score of 67/100 (B-).

HWC

Buy

57

out of 100

Grade: C

Growth: 4.0Profit: 7.0Value: 5.7Quality: 5.0
Piotroski: 4/9Altman Z: -0.70

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

HWC5 strengths · Avg: 8.8/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

Operating MarginProfitability
22.1%8/10

Strong operational efficiency at 22.1%

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

HWC4 concerns · Avg: 2.5/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Revenue GrowthGrowth
-20.9%2/10

Revenue declined 20.9%

EPS GrowthGrowth
-58.7%2/10

Earnings declined 58.7%

Altman Z-ScoreHealth
-0.702/10

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 : HWC

The strongest argument for HWC centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 29.9% and operating margin at 22.1%.

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 : HWC

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

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

HWC carries more volatility with a beta of 1.03 — expect wider price swings.

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

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

Bottom Line

SLF scores higher overall (67/100 vs 57/100). Both earn "Strong Buy" and "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.

Hancock Whitney Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Hancock Whitney Corporation is the banking holding company for Hancock Whitney Bank offering a range of banking products and services to commercial, small business and retail clients. The company is headquartered in Gulfport, Mississippi.

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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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