Royal Bank of Canada (RY)vsTruist Financial Corp (TFC)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
TFC
Truist Financial Corp
$50.65
-0.98%
FINANCIAL SERVICES · Cap: $63.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 240% more annual revenue ($63.42B vs $18.66B). RY leads profitability with a 33.1% profit margin vs 29.6%. TFC appears more attractively valued with a PEG of 1.21. TFC earns a higher WallStSmart Score of 75/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
TFC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 39.0%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 25.3% YoY
Areas to Watch
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 33.1% and operating margin at 46.2%.
Bull Case : TFC
The strongest argument for TFC centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.6% and operating margin at 39.0%. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : TFC
The primary concerns for TFC are Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 7.5% — 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
TFC scores higher overall (75/100 vs 68/100), backed by strong 29.6% margins. 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.
Truist Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.
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