OFG Bancorp (OFG)vsRoyal Bank of Canada (RY)
OFG
OFG Bancorp
$52.66
+0.19%
FINANCIAL SERVICES · Cap: $2.22B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 10212% more annual revenue ($67.15B vs $651.16M). RY leads profitability with a 33.9% profit margin vs 33.9%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 81/100 (A-).
OFG
Exceptional Buy81
out of 100
Grade: A-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 20.9% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.3%. Revenue growth of 10.4% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
OFG is growing revenue faster at 10.4% — sustainability is the question.
OFG generates stronger free cash flow (45M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OFG scores higher overall (81/100 vs 63/100), backed by strong 33.9% margins and 10.4% revenue growth. Both earn "Exceptional 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.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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