WallStSmart

Plutus Financial Group Limited Ordinary Shares (PLUT)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 636879% more annual revenue ($63.42B vs $9.96M). RY leads profitability with a 33.1% profit margin vs -196.2%. RY earns a higher WallStSmart Score of 68/100 (B-).

PLUT

Avoid

16

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 5.0

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PLUT0 strengths · Avg: 0/10

No standout strengths identified

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

PLUT4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$47.59M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-23.8%2/10

ROE of -23.8% — below average capital efficiency

Revenue GrowthGrowth
-47.7%2/10

Revenue declined 47.7%

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PLUT

PLUT has a balanced fundamental profile.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : PLUT

The primary concerns for PLUT are EPS Growth, Market Cap, Return on Equity.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

PLUT profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.

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

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RY scores higher overall (68/100 vs 16/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Plutus Financial Group Limited Ordinary Shares

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Plutus Financial Group Limited, provides financial services in Hong Kong. The company is headquartered in Wan Chai, Hong Kong.

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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