WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 136% more annual revenue ($63.42B vs $26.82B). RY leads profitability with a 33.1% profit margin vs 26.7%. BCS appears more attractively valued with a PEG of 1.20. BCS earns a higher WallStSmart Score of 73/100 (B).

BCS

Strong Buy

73

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 10.0Quality: 5.0

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BCSUndervalued (+75.0%)

Margin of Safety

+75.0%

Fair Value

$104.83

Current Price

$20.68

$84.15 discount

UndervaluedFair: $104.83Overvalued
RYUndervalued (+44.3%)

Margin of Safety

+44.3%

Fair Value

$306.13

Current Price

$162.50

$143.63 discount

UndervaluedFair: $306.13Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BCS6 strengths · Avg: 9.3/10
P/E RatioValuation
9.0x10/10

Attractively priced relative to earnings

Operating MarginProfitability
31.7%10/10

Strong operational efficiency at 31.7%

Free Cash FlowQuality
$18.74B10/10

Generating 18.7B in free cash flow

Market CapQuality
$69.64B9/10

Large-cap with strong market position

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

EPS GrowthGrowth
29.0%8/10

Earnings expanding 29.0% YoY

RY6 strengths · Avg: 9.3/10
Market CapQuality
$225.89B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

BCS0 concerns · Avg: 0/10

No major concerns identified

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.414/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BCS

The strongest argument for BCS centers on P/E Ratio, Operating Margin, Free Cash Flow. Profitability is solid with margins at 26.7% and operating margin at 31.7%. Revenue growth of 14.1% demonstrates continued momentum.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : BCS

No major red flags identified for BCS, but monitor valuation.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

RY carries more volatility with a beta of 0.94 — expect wider price swings.

BCS is growing revenue faster at 14.1% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

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

Bottom Line

BCS scores higher overall (73/100 vs 68/100), backed by strong 26.7% margins and 14.1% revenue growth. RY offers better value entry with a 44.3% margin of safety. 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.

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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