Royal Bank of Canada (RY)vsTransUnion (TRU)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
TRU
TransUnion
$77.70
+0.97%
FINANCIAL SERVICES · Cap: $14.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1272% more annual revenue ($67.15B vs $4.90B). RY leads profitability with a 33.9% profit margin vs 15.1%. TRU appears more attractively valued with a PEG of 1.08. TRU earns a higher WallStSmart Score of 72/100 (B).
RY
Buy63
out of 100
Grade: C+
TRU
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 46.4%
Reasonable price relative to book value
Earnings expanding 32.1% YoY
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
Elevated debt levels
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 : TRU
The strongest argument for TRU centers on EPS Growth. Profitability is solid with margins at 15.1% and operating margin at 19.7%. Revenue growth of 14.9% 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 : TRU
The primary concerns for TRU are Altman Z-Score, Debt/Equity.
Key Dynamics to Monitor
TRU carries more volatility with a beta of 1.54 — expect wider price swings.
TRU is growing revenue faster at 14.9% — sustainability is the question.
TRU generates stronger free cash flow (306M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRU scores higher overall (72/100 vs 63/100), backed by strong 15.1% margins and 14.9% revenue growth. 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.
TransUnion
FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA
TransUnion offers risk and information solutions. The company is headquartered in Chicago, Illinois.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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