WallStSmart

Reinsurance Group of America (RGA)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 37% more annual revenue ($35.53B vs $25.97B). SLF leads profitability with a 9.5% profit margin vs 5.8%. RGA appears more attractively valued with a PEG of 1.14. RGA earns a higher WallStSmart Score of 74/100 (B).

RGA

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 5.0Value: 7.0Quality: 7.3
Piotroski: 4/9

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RGA4 strengths · Avg: 9.5/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
159.6%10/10

Earnings expanding 159.6% YoY

Revenue GrowthGrowth
18.5%8/10

18.5% revenue growth

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

RGA1 concerns · Avg: 3.0/10
Profit MarginProfitability
5.8%3/10

5.8% margin — thin

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : RGA

The strongest argument for RGA centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 18.5% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : RGA

The primary concerns for RGA are Profit Margin.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

RGA profiles as a growth stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

RGA is growing revenue faster at 18.5% — sustainability is the question.

RGA generates stronger free cash flow (484M), providing more financial flexibility.

Bottom Line

RGA scores higher overall (74/100 vs 65/100) and 18.5% 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.

Reinsurance Group of America

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.

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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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