WallStSmart

Sun Life Financial Inc. (SLF)vsState Street Corp (STT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 129% more annual revenue ($35.53B vs $15.49B). STT leads profitability with a 23.8% profit margin vs 9.5%. STT appears more attractively valued with a PEG of 0.67. STT earns a higher WallStSmart Score of 80/100 (A-).

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.32

STT

Exceptional Buy

80

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 6.0
Piotroski: 5/9Altman Z: -0.03

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

STT6 strengths · Avg: 8.5/10
Operating MarginProfitability
34.6%10/10

Strong operational efficiency at 34.6%

Profit MarginProfitability
23.8%9/10

Keeps 24 of every $100 in revenue as profit

PEG RatioValuation
0.678/10

Growing faster than its price suggests

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
32.7%8/10

Earnings expanding 32.7% YoY

Areas to Watch

SLF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.322/10

Distress zone — elevated risk

STT2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-2.60B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.032/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bull Case : STT

The strongest argument for STT centers on Operating Margin, Profit Margin, PEG Ratio. Profitability is solid with margins at 23.8% and operating margin at 34.6%. Revenue growth of 13.3% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are Altman Z-Score.

Bear Case : STT

The primary concerns for STT are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

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

STT carries more volatility with a beta of 1.42 — expect wider price swings.

STT is growing revenue faster at 13.3% — sustainability is the question.

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

Bottom Line

STT scores higher overall (80/100 vs 67/100), backed by strong 23.8% margins and 13.3% 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.

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.

State Street Corp

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

State Street Corporation is an American financial services and bank holding company headquartered at One Lincoln Street in Boston with operations worldwide.

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