Royal Bank of Canada (RY)vsVoya Financial Inc (VOYA)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
VOYA
Voya Financial Inc
$81.34
-0.38%
FINANCIAL SERVICES · Cap: $7.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 675% more annual revenue ($63.42B vs $8.19B). RY leads profitability with a 33.1% profit margin vs 8.0%. VOYA appears more attractively valued with a PEG of 1.19. VOYA earns a higher WallStSmart Score of 70/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
VOYA
Strong Buy70
out of 100
Grade: B
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 48.1% YoY
Areas to Watch
Expensive relative to growth rate
8.0% 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 33.1% and operating margin at 46.2%.
Bull Case : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
RY profiles as a mature stock while VOYA is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — 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
VOYA scores higher overall (70/100 vs 68/100). 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.
Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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