WallStSmart

Prudential Financial Inc (PRU)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 4% more annual revenue ($63.42B vs $61.23B). RY leads profitability with a 33.1% profit margin vs 5.8%. PRU appears more attractively valued with a PEG of 1.02. PRU earns a higher WallStSmart Score of 76/100 (B+).

PRU

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 5.0Value: 7.0Quality: 6.8
Piotroski: 4/9

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

PRU5 strengths · Avg: 9.6/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
31.2%10/10

Revenue surging 31.2% year-over-year

EPS GrowthGrowth
223.4%10/10

Earnings expanding 223.4% YoY

Free Cash FlowQuality
$3.32B8/10

Generating 3.3B in free cash flow

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

PRU1 concerns · Avg: 3.0/10
Profit MarginProfitability
5.8%3/10

5.8% margin — thin

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

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PRU

The strongest argument for PRU centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 31.2% demonstrates continued momentum. PEG of 1.02 suggests the stock is reasonably priced for its growth.

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 : PRU

The primary concerns for PRU are Profit Margin.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

PRU profiles as a hypergrowth stock while RY is a mature play — different risk/reward profiles.

PRU carries more volatility with a beta of 0.94 — expect wider price swings.

PRU is growing revenue faster at 31.2% — sustainability is the question.

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

Bottom Line

PRU scores higher overall (76/100 vs 68/100) and 31.2% 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.

Prudential Financial Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.

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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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