WallStSmart

Marsh & McLennan Companies, Inc. (MRSH)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 139% more annual revenue ($65.72B vs $27.52B). RY leads profitability with a 33.7% profit margin vs 14.3%. MRSH appears more attractively valued with a PEG of 1.62. RY earns a higher WallStSmart Score of 70/100 (B-).

MRSH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 5.0Quality: 6.5
Piotroski: 4/9Altman Z: 1.74

RY

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MRSH3 strengths · Avg: 8.7/10
Market CapQuality
$79.75B9/10

Large-cap with strong market position

Return on EquityProfitability
26.9%9/10

Every $100 of equity generates 27 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

RY6 strengths · Avg: 9.3/10
Market CapQuality
$277.29B10/10

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
$37.30B10/10

Generating 37.3B in free cash flow

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

Areas to Watch

MRSH4 concerns · Avg: 3.3/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.744/10

Distress zone — elevated risk

Debt/EquityHealth
1.543/10

Elevated debt levels

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

RY1 concerns · Avg: 2.0/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin.

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 : MRSH

The primary concerns for MRSH are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 1.54 is elevated, increasing financial risk.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

MRSH profiles as a value stock while RY is a growth play — different risk/reward profiles.

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

RY is growing revenue faster at 16.1% — sustainability is the question.

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

Bottom Line

RY scores higher overall (70/100 vs 58/100), 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.

Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

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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