WallStSmart

Renasant Corporation (RNST)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 3244% more annual revenue ($35.53B vs $1.06B). RNST leads profitability with a 29.6% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. RNST earns a higher WallStSmart Score of 82/100 (A-).

RNST

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.0Value: 6.3Quality: 6.5
Piotroski: 2/9Altman Z: 0.27

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

RNST6 strengths · Avg: 9.8/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

Revenue GrowthGrowth
45.3%10/10

Revenue surging 45.3% year-over-year

EPS GrowthGrowth
9300.0%10/10

Earnings expanding 9300.0% YoY

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

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

RNST4 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Return on EquityProfitability
5.9%3/10

ROE of 5.9% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.272/10

Distress zone — elevated risk

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

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : RNST

The strongest argument for RNST centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 43.5%. Revenue growth of 45.3% demonstrates continued momentum.

Bull Case : SLF

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

Bear Case : RNST

The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

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

RNST carries more volatility with a beta of 0.98 — expect wider price swings.

RNST is growing revenue faster at 45.3% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

RNST scores higher overall (82/100 vs 65/100), backed by strong 29.6% margins and 45.3% revenue growth. Both earn "Exceptional 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.

Renasant Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.

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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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