Royal Bank of Canada (RY)vsShinhan Financial Group Co Ltd (SHG)
RY
Royal Bank of Canada
$211.08
-0.17%
FINANCIAL SERVICES · Cap: $291.15B
SHG
Shinhan Financial Group Co Ltd
$75.81
+2.10%
FINANCIAL SERVICES · Cap: $32.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 25098% more annual revenue ($16.56T vs $65.72B). RY leads profitability with a 33.7% profit margin vs 32.5%. RY appears more attractively valued with a PEG of 2.34. SHG earns a higher WallStSmart Score of 72/100 (B).
RY
Strong Buy67
out of 100
Grade: B-
SHG
Strong Buy72
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 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 53.0%
Generating 13.1T in free cash flow
Earnings expanding 22.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 53.0%. Revenue growth of 14.1% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Bear Case : SHG
The primary concerns for SHG are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while SHG is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.93 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
SHG generates stronger free cash flow (13.1T), providing more financial flexibility.
Bottom Line
SHG scores higher overall (72/100 vs 67/100), backed by strong 32.5% margins and 14.1% 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.
Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
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