Royal Bank of Canada (RY)vsTriumph Financial, Inc. (TFIN)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
TFIN
Triumph Financial, Inc.
$67.68
+1.29%
FINANCIAL SERVICES · Cap: $1.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 14249% more annual revenue ($63.42B vs $442.02M). RY leads profitability with a 33.1% profit margin vs 7.2%. TFIN appears more attractively valued with a PEG of 1.62. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
TFIN
Buy58
out of 100
Grade: C
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
Earnings expanding 532.0% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 3.4% — below average capital efficiency
7.2% margin — thin
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 : TFIN
The strongest argument for TFIN centers on EPS Growth, Price/Book.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : TFIN
The primary concerns for TFIN are PEG Ratio, Market Cap, Return on Equity. A P/E of 56.1x leaves little room for execution misses.
Key Dynamics to Monitor
RY profiles as a mature stock while TFIN is a value play — different risk/reward profiles.
TFIN carries more volatility with a beta of 1.43 — 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.
Bottom Line
RY scores higher overall (68/100 vs 58/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "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.
Triumph Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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