Royal Bank of Canada (RY)vsYirendai Ltd (YRD)
RY
Royal Bank of Canada
$191.91
+0.71%
FINANCIAL SERVICES · Cap: $270.89B
YRD
Yirendai Ltd
$1.00
-0.99%
FINANCIAL SERVICES · Cap: $88.36M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1222% more annual revenue ($67.15B vs $5.08B). RY leads profitability with a 33.9% profit margin vs -13.5%. YRD appears more attractively valued with a PEG of 1.24. RY earns a higher WallStSmart Score of 66/100 (B-).
RY
Strong Buy66
out of 100
Grade: B-
YRD
Hold45
out of 100
Grade: D
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Strong operational efficiency at 27.1%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of -11.5% — below average capital efficiency
Revenue declined 41.1%
Earnings declined 10.2%
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 : YRD
The strongest argument for YRD centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 1.24 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 : YRD
The primary concerns for YRD are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
RY profiles as a mature stock while YRD is a turnaround play — different risk/reward profiles.
YRD carries more volatility with a beta of 1.14 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
YRD generates stronger free cash flow (-681M), providing more financial flexibility.
Bottom Line
RY scores higher overall (66/100 vs 45/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "Hold" 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.
Yirendai Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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