Old Republic International Corp (ORI)vsRoyal Bank of Canada (RY)
ORI
Old Republic International Corp
$40.96
+0.29%
FINANCIAL SERVICES · Cap: $9.86B
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 591% more annual revenue ($67.15B vs $9.72B). RY leads profitability with a 33.9% profit margin vs 11.7%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 76/100 (B+).
ORI
Strong Buy76
out of 100
Grade: B+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 61.7% YoY
Reasonable price relative to book value
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
No major concerns identified
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 13.4% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
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
ORI profiles as a value stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
ORI is growing revenue faster at 13.4% — sustainability is the question.
ORI generates stronger free cash flow (200M), providing more financial flexibility.
Bottom Line
ORI scores higher overall (76/100 vs 63/100) and 13.4% 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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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