WallStSmart

Royal Bank of Canada (RY)vsStonex Group Inc (SNEX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Stonex Group Inc generates 132% more annual revenue ($155.78B vs $67.15B). RY leads profitability with a 33.9% profit margin vs 0.3%. RY trades at a lower P/E of 18.4x. RY earns a higher WallStSmart Score of 63/100 (C+).

RY

Buy

63

out of 100

Grade: C+

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

SNEX

Buy

61

out of 100

Grade: C+

Growth: 9.3Profit: 5.0Value: 5.3Quality: 4.0
Piotroski: 1/9Altman Z: 3.49

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

SNEX4 strengths · Avg: 9.0/10
EPS GrowthGrowth
85.2%10/10

Earnings expanding 85.2% YoY

Altman Z-ScoreHealth
3.4910/10

Safe zone — low bankruptcy risk

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.2%8/10

15.2% revenue growth

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

SNEX4 concerns · Avg: 2.8/10
Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Free Cash FlowQuality
$-1.35B2/10

Negative free cash flow — burning cash

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 : SNEX

The strongest argument for SNEX centers on EPS Growth, Altman Z-Score, Price/Book. Revenue growth of 15.2% 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 : SNEX

The primary concerns for SNEX are Profit Margin, Operating Margin, Piotroski F-Score. Debt-to-equity of 7.05 is elevated, increasing financial risk. Thin 0.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

RY profiles as a mature stock while SNEX is a growth play — different risk/reward profiles.

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

SNEX is growing revenue faster at 15.2% — sustainability is the question.

SNEX generates stronger free cash flow (-1.4B), providing more financial flexibility.

Bottom Line

RY scores higher overall (63/100 vs 61/100), backed by strong 33.9% margins. Both earn "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.

Stonex Group Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

StoneX Group Inc. is a global financial services network connecting businesses, organizations, merchants and investors to the global market ecosystem. The company is headquartered in New York, New York.

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