Radian Group Inc (RDN)vsRoyal Bank of Canada (RY)
RDN
Radian Group Inc
$33.80
+0.60%
FINANCIAL SERVICES · Cap: $4.61B
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 4695% more annual revenue ($65.72B vs $1.37B). RDN leads profitability with a 41.0% profit margin vs 33.7%. RDN appears more attractively valued with a PEG of 0.76. RDN earns a higher WallStSmart Score of 78/100 (B+).
RDN
Strong Buy78
out of 100
Grade: B+
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Revenue surging 58.8% year-over-year
Safe zone — low bankruptcy risk
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Earnings declined 9.0%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : RDN
The strongest argument for RDN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.0% and operating margin at 46.6%. Revenue growth of 58.8% 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : RDN
The primary concerns for RDN are EPS Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RDN is growing revenue faster at 58.8% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RDN scores higher overall (78/100 vs 70/100), backed by strong 41.0% margins and 58.8% 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.
Radian Group Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Radian Group Inc. is engaged in the mortgage and real estate services business in the United States. The company is headquartered in Philadelphia, Pennsylvania.
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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