Royal Bank of Canada (RY)vsStewart Information Services Corp (STC)
RY
Royal Bank of Canada
$201.98
+1.24%
FINANCIAL SERVICES · Cap: $281.45B
STC
Stewart Information Services Corp
$59.19
-0.90%
FINANCIAL SERVICES · Cap: $1.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1952% more annual revenue ($67.15B vs $3.27B). RY leads profitability with a 33.9% profit margin vs 4.1%. RY appears more attractively valued with a PEG of 2.26. RY earns a higher WallStSmart Score of 66/100 (B-).
RY
Strong Buy66
out of 100
Grade: B-
STC
Buy55
out of 100
Grade: C-
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 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Attractively priced relative to earnings
Revenue surging 24.3% year-over-year
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
4.1% margin — thin
Weak financial health signals
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 33.9% and operating margin at 46.4%.
Bull Case : STC
The strongest argument for STC centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 24.3% 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 : STC
The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 4.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
RY profiles as a mature stock while STC is a growth play — different risk/reward profiles.
STC carries more volatility with a beta of 0.99 — expect wider price swings.
STC is growing revenue faster at 24.3% — sustainability is the question.
STC generates stronger free cash flow (35M), providing more financial flexibility.
Bottom Line
RY scores higher overall (66/100 vs 55/100), backed by strong 33.9% margins. 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.
Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
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