Royal Bank of Canada (RY)vsShinhan Financial Group Co Ltd (SHG)
RY
Royal Bank of Canada
$181.68
+0.18%
FINANCIAL SERVICES · Cap: $252.56B
SHG
Shinhan Financial Group Co Ltd
$67.77
-1.08%
FINANCIAL SERVICES · Cap: $33.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 25097% more annual revenue ($15.98T vs $63.42B). RY leads profitability with a 33.1% profit margin vs 32.0%. RY appears more attractively valued with a PEG of 2.30. SHG earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
SHG
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.4%
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
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 33.1% and operating margin at 46.2%.
Bull Case : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.0% and operating margin at 51.4%.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : SHG
The primary concerns for SHG are PEG Ratio, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 68/100), backed by strong 33.1% margins. 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.
Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
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