WallStSmart

Royal Bank of Canada (RY)vsSEI Investments Company (SEIC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 2578% more annual revenue ($63.42B vs $2.37B). RY leads profitability with a 33.1% profit margin vs 31.2%. SEIC appears more attractively valued with a PEG of 1.78. SEIC earns a higher WallStSmart Score of 72/100 (B).

RY

Strong Buy

68

out of 100

Grade: B-

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

SEIC

Strong Buy

72

out of 100

Grade: B

Growth: 6.0Profit: 9.5Value: 5.7Quality: 7.8
Piotroski: 4/9Altman Z: 5.12

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

SEIC5 strengths · Avg: 9.4/10
Profit MarginProfitability
31.2%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
30.5%10/10

Strong operational efficiency at 30.5%

Altman Z-ScoreHealth
5.1210/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
29.6%9/10

Every $100 of equity generates 30 in profit

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Areas to Watch

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

Expensive relative to growth rate

SEIC1 concerns · Avg: 4.0/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : SEIC

The strongest argument for SEIC centers on Profit Margin, Operating Margin, Altman Z-Score. Profitability is solid with margins at 31.2% and operating margin at 30.5%. Revenue growth of 12.8% demonstrates continued momentum.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : SEIC

The primary concerns for SEIC are PEG Ratio.

Key Dynamics to Monitor

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

SEIC is growing revenue faster at 12.8% — sustainability is the question.

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

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SEIC scores higher overall (72/100 vs 68/100), backed by strong 31.2% margins and 12.8% 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.

SEI Investments Company

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

SEI Investments Company is a publicly owned asset management portfolio company. The company is headquartered in Oaks, Pennsylvania.

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