Royal Bank of Canada (RY)vsStifel Financial Corporation (SF)
RY
Royal Bank of Canada
$210.09
+1.76%
FINANCIAL SERVICES · Cap: $299.37B
SF
Stifel Financial Corporation
$82.63
+0.87%
FINANCIAL SERVICES · Cap: $11.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1059% more annual revenue ($65.72B vs $5.67B). RY leads profitability with a 33.7% profit margin vs 15.6%. SF appears more attractively valued with a PEG of 1.01. SF earns a higher WallStSmart Score of 76/100 (B+).
RY
Strong Buy67
out of 100
Grade: B-
SF
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Earnings expanding 469.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 21.6%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SF
The strongest argument for SF centers on EPS Growth, P/E Ratio, Price/Book. Profitability is solid with margins at 15.6% and operating margin at 21.6%. Revenue growth of 14.3% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Bear Case : SF
The primary concerns for SF are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while SF is a mature play — different risk/reward profiles.
SF carries more volatility with a beta of 1.01 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
SF scores higher overall (76/100 vs 67/100), backed by strong 15.6% margins and 14.3% 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.
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.
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