WallStSmart

Sun Life Financial Inc. (SLF)vsWebster Financial Corporation (WBS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 1183% more annual revenue ($35.53B vs $2.77B). WBS leads profitability with a 36.8% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. SLF earns a higher WallStSmart Score of 67/100 (B-).

SLF

Strong Buy

67

out of 100

Grade: B-

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

WBS

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: -0.74

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

WBS4 strengths · Avg: 9.5/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.8%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
50.6%10/10

Strong operational efficiency at 50.6%

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Areas to Watch

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

Distress zone — elevated risk

WBS4 concerns · Avg: 3.0/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Free Cash FlowQuality
$-141.11M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.742/10

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 : WBS

The strongest argument for WBS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.8% and operating margin at 50.6%.

Bear Case : SLF

The primary concerns for SLF are Altman Z-Score.

Bear Case : WBS

The primary concerns for WBS are PEG Ratio, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

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

WBS carries more volatility with a beta of 1.00 — expect wider price swings.

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

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

Bottom Line

SLF scores higher overall (67/100 vs 66/100). Both earn "Strong 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.

Webster Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Webster Financial Corporation is the banking holding company for Webster Bank, a National Association that provides a variety of banking, investment, and financial services to individuals, families, and businesses in the United States. The company is headquartered in Waterbury, Connecticut.

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