WallStSmart

Primerica Inc (PRI)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 1826% more annual revenue ($67.15B vs $3.49B). RY leads profitability with a 33.9% profit margin vs 22.8%. PRI appears more attractively valued with a PEG of 1.07. PRI earns a higher WallStSmart Score of 73/100 (B).

PRI

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 8.5Value: 7.0Quality: 7.5
Piotroski: 5/9Altman Z: 1.11

RY

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PRI5 strengths · Avg: 9.6/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.6%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
31.5%10/10

Strong operational efficiency at 31.5%

Profit MarginProfitability
22.8%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

RY4 strengths · Avg: 9.5/10
Market CapQuality
$291.55B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

PRI1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.112/10

Distress zone — elevated risk

RY4 concerns · Avg: 2.3/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Free Cash FlowQuality
$-28.67B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : PRI

The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.8% and operating margin at 31.5%. PEG of 1.07 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 : PRI

The primary concerns for PRI are 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

RY carries more volatility with a beta of 0.92 — expect wider price swings.

RY is growing revenue faster at 8.9% — sustainability is the question.

PRI generates stronger free cash flow (167M), providing more financial flexibility.

Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PRI scores higher overall (73/100 vs 63/100), backed by strong 22.8% margins. 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.

Primerica Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.

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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