Royal Bank of Canada (RY)vsWintrust Financial Corporation (WTFC)
RY
Royal Bank of Canada
$203.76
-2.87%
FINANCIAL SERVICES · Cap: $281.07B
WTFC
Wintrust Financial Corporation
$151.72
-2.82%
FINANCIAL SERVICES · Cap: $10.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2286% more annual revenue ($67.15B vs $2.81B). RY leads profitability with a 33.9% profit margin vs 32.8%. WTFC appears more attractively valued with a PEG of 1.17. WTFC earns a higher WallStSmart Score of 77/100 (B+).
RY
Strong Buy68
out of 100
Grade: B-
WTFC
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%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Earnings expanding 21.2% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
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 33.9% and operating margin at 46.4%.
Bull Case : WTFC
The strongest argument for WTFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 46.9%. PEG of 1.17 suggests the stock is reasonably priced for its growth.
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 : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
WTFC generates stronger free cash flow (327M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WTFC scores higher overall (77/100 vs 68/100), backed by strong 32.8% 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.
Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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