Fidelity National Financial Inc (FNF)vsRoyal Bank of Canada (RY)
FNF
Fidelity National Financial Inc
$44.13
+0.41%
FINANCIAL SERVICES · Cap: $11.97B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 337% more annual revenue ($67.15B vs $15.35B). RY leads profitability with a 33.9% profit margin vs 5.0%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 70/100 (B-).
FNF
Strong Buy70
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
5.0% margin — thin
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull 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%.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
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.
Key Dynamics to Monitor
FNF profiles as a value stock while RY is a mature play — different risk/reward profiles.
FNF carries more volatility with a beta of 0.98 — expect wider price swings.
FNF is growing revenue faster at 10.5% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (70/100 vs 63/100) and 10.5% 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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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