Royal Bank of Canada (RY)vsRyan Specialty Group Holdings Inc (RYAN)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
RYAN
Ryan Specialty Group Holdings Inc
$42.62
+0.57%
FINANCIAL SERVICES · Cap: $9.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2023% more annual revenue ($67.15B vs $3.16B). RY leads profitability with a 33.9% profit margin vs 3.1%. RY trades at a lower P/E of 17.8x. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
RYAN
Hold46
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 37 in profit
Strong operational efficiency at 25.0%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Trading at 10.1x book value
3.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : RYAN
The strongest argument for RYAN centers on Return on Equity, Operating Margin.
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.
Bear Case : RYAN
The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 50.9x leaves little room for execution misses. Debt-to-equity of 7.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY profiles as a mature stock while RYAN is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
RYAN generates stronger free cash flow (276M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 46/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.
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