WallStSmart

Barclays PLC ADR (BCS)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 143% more annual revenue ($65.72B vs $27.09B). RY leads profitability with a 33.7% profit margin vs 26.8%. BCS appears more attractively valued with a PEG of 1.71. RY earns a higher WallStSmart Score of 67/100 (B-).

BCS

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.09

RY

Strong Buy

67

out of 100

Grade: B-

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BCS5 strengths · Avg: 9.2/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.8%10/10

Strong operational efficiency at 39.8%

Market CapQuality
$94.85B9/10

Large-cap with strong market position

Profit MarginProfitability
26.8%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

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

Areas to Watch

BCS4 concerns · Avg: 3.3/10
PEG RatioValuation
1.714/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.9%4/10

3.9% revenue growth

Debt/EquityHealth
1.783/10

Elevated debt levels

Altman Z-ScoreHealth
-0.092/10

Distress zone — elevated risk

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

Comparative Analysis Report

WallStSmart Research

Bull Case : BCS

The strongest argument for BCS centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 39.8%.

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.

Bear Case : BCS

The primary concerns for BCS are PEG Ratio, Revenue Growth, Debt/Equity. Debt-to-equity of 1.78 is elevated, increasing financial risk.

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.

Key Dynamics to Monitor

BCS profiles as a value stock while RY is a growth 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.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RY scores higher overall (67/100 vs 63/100), backed by strong 33.7% margins and 16.1% revenue growth. Both earn "Strong Buy" and "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.

Barclays PLC ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Barclays PLC offers a variety of financial products and services in the UK, the rest of Europe, the Americas, Africa, the Middle East and Asia. The company is headquartered in London, the United Kingdom.

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.

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