WallStSmart

Regions Financial Corporation (RF)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 386% more annual revenue ($34.88B vs $7.18B). RF leads profitability with a 31.0% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. RF earns a higher WallStSmart Score of 75/100 (B).

RF

Strong Buy

75

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 4.3
Piotroski: 7/9Altman Z: -0.41

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

RF5 strengths · Avg: 9.6/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

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

RF3 concerns · Avg: 2.7/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Free Cash FlowQuality
$-324.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.412/10

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 : RF

The strongest argument for RF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.0% and operating margin at 40.1%.

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 : RF

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

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

RF carries more volatility with a beta of 1.04 — expect wider price swings.

RF is growing revenue faster at 7.3% — sustainability is the question.

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

Bottom Line

RF scores higher overall (75/100 vs 67/100), backed by strong 31.0% margins. 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.

Regions Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.

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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