WallStSmart

Raymond James Financial Inc. (RJF)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 138% more annual revenue ($34.88B vs $14.68B). RJF leads profitability with a 14.6% profit margin vs 10.2%. RJF appears more attractively valued with a PEG of 0.98. RJF earns a higher WallStSmart Score of 70/100 (B).

RJF

Strong Buy

70

out of 100

Grade: B

Growth: 7.3Profit: 6.5Value: 7.0Quality: 4.5
Piotroski: 4/9Altman 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

RJF3 strengths · Avg: 8.0/10
PEG RatioValuation
0.988/10

Growing faster than its price suggests

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

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

RJF1 concerns · Avg: 2.0/10
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 : RJF

The strongest argument for RJF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 13.4% demonstrates continued momentum. PEG of 0.98 suggests the stock is reasonably priced for its growth.

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 : RJF

The primary concerns for RJF are Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

RJF carries more volatility with a beta of 1.01 — expect wider price swings.

RJF is growing revenue faster at 13.4% — sustainability is the question.

Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RJF scores higher overall (70/100 vs 67/100) and 13.4% 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.

Raymond James Financial Inc.

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Raymond James Financial is an American multinational independent investment bank and financial services company providing financial services to individuals, corporations, and municipalities through its subsidiary companies that engage primarily in investment and financial planning, in addition to investment banking and asset management.

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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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