WallStSmart

Sun Life Financial Inc. (SLF)vsVoya Financial Inc (VOYA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 335% more annual revenue ($35.53B vs $8.17B). SLF leads profitability with a 9.5% profit margin vs 7.5%. VOYA appears more attractively valued with a PEG of 1.19. SLF earns a higher WallStSmart Score of 65/100 (B-).

SLF

Strong Buy

65

out of 100

Grade: B-

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

VOYA

Hold

47

out of 100

Grade: D+

Growth: 3.3Profit: 5.0Value: 6.3Quality: 6.8
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

VOYA2 strengths · Avg: 8.0/10
P/E RatioValuation
17.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

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

Expensive relative to growth rate

VOYA3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.5%3/10

7.5% margin — thin

Revenue GrowthGrowth
-4.3%2/10

Revenue declined 4.3%

EPS GrowthGrowth
-41.6%2/10

Earnings declined 41.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

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

Bull Case : VOYA

The strongest argument for VOYA centers on P/E Ratio, Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Bear Case : VOYA

The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

VOYA carries more volatility with a beta of 0.89 — expect wider price swings.

SLF is growing revenue faster at 7.5% — sustainability is the question.

VOYA generates stronger free cash flow (503M), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SLF scores higher overall (65/100 vs 47/100). 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.

Voya Financial Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.

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