Royal Bank of Canada (RY)vsStifel Financial Corporation (SF)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
SF
Stifel Financial Corporation
$66.88
-0.39%
FINANCIAL SERVICES · Cap: $10.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1051% more annual revenue ($67.15B vs $5.83B). RY leads profitability with a 33.9% profit margin vs 16.3%. SF appears more attractively valued with a PEG of 0.87. SF earns a higher WallStSmart Score of 81/100 (A-).
RY
Strong Buy68
out of 100
Grade: B-
SF
Exceptional Buy81
out of 100
Grade: A-
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
Earnings expanding 50.6% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 21.8%
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
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 : SF
The strongest argument for SF centers on EPS Growth, PEG Ratio, P/E Ratio. Profitability is solid with margins at 16.3% and operating margin at 21.8%. Revenue growth of 12.7% 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 : SF
The primary concerns for SF are Altman Z-Score.
Key Dynamics to Monitor
SF carries more volatility with a beta of 1.01 — expect wider price swings.
SF is growing revenue faster at 12.7% — sustainability is the question.
SF generates stronger free cash flow (84M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SF scores higher overall (81/100 vs 68/100), backed by strong 16.3% margins and 12.7% revenue growth. Both earn "Exceptional 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.
Stifel Financial Corporation
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Stifel Financial Corp. The company is headquartered in St. Louis, Missouri.
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