WallStSmart

Royal Bank of Canada (RY)vsWillis Towers Watson PLC (WTW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 564% more annual revenue ($65.72B vs $9.90B). RY leads profitability with a 33.7% profit margin vs 16.8%. WTW appears more attractively valued with a PEG of 1.08. WTW earns a higher WallStSmart Score of 74/100 (B).

RY

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

WTW

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.91

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$299.37B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$20.82B10/10

Generating 20.8B in free cash flow

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

EPS GrowthGrowth
27.5%8/10

Earnings expanding 27.5% YoY

WTW4 strengths · Avg: 8.3/10
Return on EquityProfitability
20.9%9/10

Every $100 of equity generates 21 in profit

P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.5%8/10

Strong operational efficiency at 20.5%

EPS GrowthGrowth
33.0%8/10

Earnings expanding 33.0% YoY

Areas to Watch

RY3 concerns · Avg: 2.3/10
PEG RatioValuation
2.344/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.771/10

Elevated debt levels

WTW2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-65.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.912/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : WTW

The strongest argument for WTW centers on Return on Equity, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.8% and operating margin at 20.5%. PEG of 1.08 suggests the stock is reasonably priced for its growth.

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 : WTW

The primary concerns for WTW are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

RY profiles as a growth stock while WTW is a mature play — different risk/reward profiles.

RY carries more volatility with a beta of 0.93 — 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

WTW scores higher overall (74/100 vs 67/100), backed by strong 16.8% 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.

Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm, dedicated to delivering innovative risk management, insurance, and consulting services across more than 140 countries. With a strong emphasis on advanced data analytics and technology, WTW provides tailored solutions to address critical issues in health, retirement, and talent management for a diverse client base, including multinational corporations and small businesses. The firm’s commitment to driving sustainable growth and enhancing client engagement positions it as a trusted partner in navigating complex market dynamics, further solidifying its status as an industry leader.

Want to dig deeper into these stocks?