Royal Bank of Canada (RY)vsTiptree Inc (TIPT)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
TIPT
Tiptree Inc
$17.80
-0.28%
FINANCIAL SERVICES · Cap: $688.56M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates -6341082% more annual revenue ($67.15B vs $-1.06M). RY leads profitability with a 33.9% profit margin vs 0.0%. RY appears more attractively valued with a PEG of 2.35. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
TIPT
Buy57
out of 100
Grade: C
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%
Reasonable price relative to book value
Reasonable price relative to book value
Every $100 of equity generates 46 in profit
Strong operational efficiency at 3908.0%
Earnings expanding 1959.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
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 : TIPT
The strongest argument for TIPT centers on Price/Book, Return on Equity, Operating Margin.
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 : TIPT
The primary concerns for TIPT are Market Cap, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
RY profiles as a mature stock while TIPT is a value play — different risk/reward profiles.
TIPT carries more volatility with a beta of 0.93 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
TIPT generates stronger free cash flow (-230,000), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 57/100), backed by strong 33.9% margins. Both earn "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.
Tiptree Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Tiptree Inc., underwrites and manages specialty insurance products primarily in the United States. The company is headquartered in New York, New York.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?