OFG Bancorp (OFG)vsSun Life Financial Inc. (SLF)
OFG
OFG Bancorp
$46.27
+0.67%
FINANCIAL SERVICES · Cap: $2.03B
SLF
Sun Life Financial Inc.
$73.72
+1.04%
FINANCIAL SERVICES · Cap: $41.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 5400% more annual revenue ($34.90B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 8.8%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 79/100 (B+).
OFG
Strong Buy79
out of 100
Grade: B+
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.8%
Growing faster than its price suggests
Earnings expanding 26.0% YoY
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 43.8%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
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 : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
OFG profiles as a mature stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.83 — expect wider price swings.
OFG is growing revenue faster at 6.9% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
OFG scores higher overall (79/100 vs 51/100), backed by strong 33.6% margins. 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.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?