WallStSmart

Sun Life Financial Inc. (SLF)vsZions Bancorporation (ZION)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 844% more annual revenue ($35.53B vs $3.76B). ZION leads profitability with a 32.2% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. ZION earns a higher WallStSmart Score of 71/100 (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

ZION

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.63

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

ZION5 strengths · Avg: 9.6/10
P/E RatioValuation
8.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.2%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

EPS GrowthGrowth
20.3%8/10

Earnings expanding 20.3% YoY

Areas to Watch

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

Distress zone — elevated risk

ZION2 concerns · Avg: 2.0/10
PEG RatioValuation
3.502/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.632/10

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 : ZION

The strongest argument for ZION centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 39.3%.

Bear Case : SLF

The primary concerns for SLF are Altman Z-Score.

Bear Case : ZION

The primary concerns for ZION are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

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

ZION is growing revenue faster at 9.5% — sustainability is the question.

ZION generates stronger free cash flow (787M), providing more financial flexibility.

Bottom Line

ZION scores higher overall (71/100 vs 67/100), backed by strong 32.2% margins. 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.

Zions Bancorporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.

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