WallStSmart

Sun Life Financial Inc. (SLF)vsValley National Bancorp (VLY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1638% more annual revenue ($34.90B vs $2.01B). VLY leads profitability with a 34.5% profit margin vs 8.8%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 77/100 (B+).

SLF

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 5.0Quality: 7.3
Piotroski: 5/9

VLY

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: 0.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

VLY6 strengths · Avg: 9.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.5%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
46.8%10/10

Strong operational efficiency at 46.8%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
15.0%8/10

15.0% revenue growth

EPS GrowthGrowth
31.8%8/10

Earnings expanding 31.8% YoY

Areas to Watch

SLF3 concerns · Avg: 3.3/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

VLY1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.212/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow.

Bull Case : VLY

The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.5% and operating margin at 46.8%. Revenue growth of 15.0% demonstrates continued momentum.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : VLY

The primary concerns for VLY are Altman Z-Score.

Key Dynamics to Monitor

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

VLY carries more volatility with a beta of 1.05 — expect wider price swings.

VLY is growing revenue faster at 15.0% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

VLY scores higher overall (77/100 vs 49/100), backed by strong 34.5% margins and 15.0% revenue growth. Both earn "Strong Buy" and "Hold" 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.

Valley National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.

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