WallStSmart

Royal Bank of Canada (RY)vsStifel Financial Corporation (SF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 1051% more annual revenue ($67.15B vs $5.83B). RY leads profitability with a 33.9% profit margin vs 16.3%. SF appears more attractively valued with a PEG of 0.96. SF earns a higher WallStSmart Score of 78/100 (B+).

RY

Buy

63

out of 100

Grade: C+

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

SF

Strong Buy

78

out of 100

Grade: B+

Growth: 8.0Profit: 7.0Value: 7.0Quality: 7.5
Piotroski: 6/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

SF6 strengths · Avg: 8.5/10
EPS GrowthGrowth
50.6%10/10

Earnings expanding 50.6% YoY

Debt/EquityHealth
0.149/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.968/10

Growing faster than its price suggests

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Areas to Watch

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

SF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : SF

The strongest argument for SF centers on EPS Growth, Debt/Equity, PEG Ratio. Profitability is solid with margins at 16.3% and operating margin at 21.8%. Revenue growth of 12.7% demonstrates continued momentum.

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.

Bear Case : SF

The primary concerns for SF are Altman Z-Score.

Key Dynamics to Monitor

SF carries more volatility with a beta of 0.98 — expect wider price swings.

SF is growing revenue faster at 12.7% — sustainability is the question.

SF generates stronger free cash flow (84M), providing more financial flexibility.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SF scores higher overall (78/100 vs 63/100), backed by strong 16.3% margins and 12.7% 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.

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.

Stifel Financial Corporation

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Stifel Financial Corp. The company is headquartered in St. Louis, Missouri.

Want to dig deeper into these stocks?