WallStSmart

Sun Life Financial Inc. (SLF)vsWashington Trust Bancorp Inc (WASH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 16070% more annual revenue ($34.90B vs $215.81M). WASH leads profitability with a 24.4% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. WASH earns a higher WallStSmart Score of 58/100 (C).

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

WASH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 5.0Quality: 5.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

WASH4 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.9%10/10

Strong operational efficiency at 31.9%

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Areas to Watch

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

WASH4 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.8%4/10

4.8% earnings growth

Market CapQuality
$666.34M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.173/10

Elevated debt levels

PEG RatioValuation
2.762/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bull Case : WASH

The strongest argument for WASH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 31.9%.

Bear Case : SLF

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

Bear Case : WASH

The primary concerns for WASH are EPS Growth, Market Cap, Debt/Equity.

Key Dynamics to Monitor

SLF profiles as a value stock while WASH is a declining play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.83 — expect wider price swings.

SLF is growing revenue faster at 0.2% — sustainability is the question.

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

Bottom Line

WASH scores higher overall (58/100 vs 51/100), backed by strong 24.4% margins. Both earn "Buy" and "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.

Washington Trust Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.

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