Royal Bank of Canada (RY)vsUBS Group AG (UBS)
RY
Royal Bank of Canada
$203.30
-0.13%
FINANCIAL SERVICES · Cap: $291.55B
UBS
UBS Group AG
$50.69
+0.14%
FINANCIAL SERVICES · Cap: $167.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 27% more annual revenue ($67.15B vs $53.04B). RY leads profitability with a 33.9% profit margin vs 17.9%. UBS appears more attractively valued with a PEG of 0.74. UBS earns a higher WallStSmart Score of 77/100 (B+).
RY
Buy63
out of 100
Grade: C+
UBS
Strong Buy77
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
Strong operational efficiency at 31.0%
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 20.6% 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 : UBS
The strongest argument for UBS centers on Operating Margin, Market Cap, PEG Ratio. Profitability is solid with margins at 17.9% and operating margin at 31.0%. Revenue growth of 14.6% 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 : UBS
The primary concerns for UBS are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.21 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UBS is growing revenue faster at 14.6% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UBS scores higher overall (77/100 vs 63/100), backed by strong 17.9% margins and 14.6% 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.
UBS Group AG
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
UBS Group AG, provides advice and financial solutions to private, institutional and corporate clients worldwide. The company is headquartered in Zurich, Switzerland.
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