Royal Bank of Canada (RY)vsWaFd, Inc. (WAFD)
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
WAFD
WaFd, Inc.
$36.80
0.00%
FINANCIAL SERVICES · Cap: $2.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 8653% more annual revenue ($65.72B vs $750.81M). RY leads profitability with a 33.7% profit margin vs 33.6%. WAFD appears more attractively valued with a PEG of 1.85. WAFD earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy70
out of 100
Grade: B-
WAFD
Strong Buy71
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 20.8B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.8%
Attractively priced relative to earnings
Earnings expanding 26.4% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : WAFD
The strongest argument for WAFD centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.6% and operating margin at 45.8%.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while WAFD is a mature 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 (20.8B), providing more financial flexibility.
Bottom Line
WAFD scores higher overall (71/100 vs 70/100), backed by strong 33.6% margins. 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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