Royal Bank of Canada (RY)vsUnum Group (UNM)
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 393% more annual revenue ($65.72B vs $13.34B). RY leads profitability with a 33.7% profit margin vs 5.9%. UNM appears more attractively valued with a PEG of 1.03. RY earns a higher WallStSmart Score of 70/100 (B-).
RY
Strong Buy70
out of 100
Grade: B-
UNM
Strong Buy67
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 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while UNM is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (70/100 vs 67/100), backed by strong 33.7% margins and 16.1% revenue growth. 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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