WallStSmart

KeyCorp (KEY)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 384% more annual revenue ($34.88B vs $7.20B). KEY leads profitability with a 27.0% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. KEY earns a higher WallStSmart Score of 75/100 (B).

KEY

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 4.3
Piotroski: 6/9Altman Z: 0.06

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

KEY5 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.8%10/10

Strong operational efficiency at 35.8%

Profit MarginProfitability
27.0%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
30.3%8/10

Earnings expanding 30.3% YoY

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

Earnings expanding 240.9% YoY

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

KEY3 concerns · Avg: 2.7/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

Free Cash FlowQuality
$-74.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.062/10

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 : KEY

The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.0% and operating margin at 35.8%. Revenue growth of 11.8% demonstrates continued momentum.

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 : KEY

The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

KEY profiles as a mature stock while SLF is a value play — different risk/reward profiles.

KEY carries more volatility with a beta of 1.05 — expect wider price swings.

KEY is growing revenue faster at 11.8% — sustainability is the question.

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

Bottom Line

KEY scores higher overall (75/100 vs 67/100), backed by strong 27.0% margins and 11.8% 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.

KeyCorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.

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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