WallStSmart

The Bank of New York Mellon Corporation (BK)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 206% more annual revenue ($63.42B vs $20.75B). RY leads profitability with a 33.1% profit margin vs 28.7%. BK appears more attractively valued with a PEG of 1.47. BK earns a higher WallStSmart Score of 76/100 (B+).

BK

Strong Buy

76

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: 0.04

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BK6 strengths · Avg: 8.7/10
Operating MarginProfitability
37.7%10/10

Strong operational efficiency at 37.7%

Market CapQuality
$89.70B9/10

Large-cap with strong market position

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.8%8/10

Earnings expanding 41.8% YoY

RY6 strengths · Avg: 9.3/10
Market CapQuality
$252.56B10/10

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
17.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

BK2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-3.63B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.042/10

Distress zone — elevated risk

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BK

The strongest argument for BK centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 28.7% and operating margin at 37.7%. Revenue growth of 13.4% 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 : BK

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

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

BK carries more volatility with a beta of 1.07 — expect wider price swings.

BK is growing revenue faster at 13.4% — 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

BK scores higher overall (76/100 vs 68/100), backed by strong 28.7% margins and 13.4% revenue growth. 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.

The Bank of New York Mellon Corporation

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of New York Mellon Corporation, commonly known as BNY Mellon, is a multinational American investment banking services holding company headquartered in New York City.

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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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