PNC Financial Services Group Inc (PNC)vsRoyal Bank of Canada (RY)
PNC
PNC Financial Services Group Inc
$252.56
-0.08%
FINANCIAL SERVICES · Cap: $101.40B
RY
Royal Bank of Canada
$211.08
-0.17%
FINANCIAL SERVICES · Cap: $291.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 170% more annual revenue ($65.72B vs $24.32B). RY leads profitability with a 33.7% profit margin vs 31.4%. PNC appears more attractively valued with a PEG of 1.96. PNC earns a higher WallStSmart Score of 76/100 (B+).
PNC
Strong Buy76
out of 100
Grade: B+
RY
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.93 — expect wider price swings.
PNC is growing revenue faster at 23.6% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (76/100 vs 67/100), backed by strong 31.4% margins and 23.6% revenue growth. 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.
PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
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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