Royal Bank of Canada (RY)vsBanco Santander SA ADR (SAN)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
SAN
Banco Santander SA ADR
$11.69
+0.51%
FINANCIAL SERVICES · Cap: $192.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 38% more annual revenue ($67.15B vs $48.53B). RY leads profitability with a 33.9% profit margin vs 33.5%. SAN appears more attractively valued with a PEG of 0.94. SAN earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
SAN
Strong Buy71
out of 100
Grade: B
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
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.4%
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Elevated debt levels
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 : SAN
The strongest argument for SAN centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.5% and operating margin at 43.4%. Revenue growth of 10.2% demonstrates continued momentum.
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 : SAN
The primary concerns for SAN are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.12 is elevated, increasing financial risk.
Key Dynamics to Monitor
SAN carries more volatility with a beta of 0.94 — expect wider price swings.
SAN is growing revenue faster at 10.2% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (71/100 vs 68/100), backed by strong 33.5% margins and 10.2% 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.
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.
Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
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