WallStSmart

Royal Bank of Canada (RY)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 5576% more annual revenue ($63.42B vs $1.12B). RY leads profitability with a 33.1% profit margin vs 13.5%. RY appears more attractively valued with a PEG of 2.30. TREE earns a higher WallStSmart Score of 69/100 (B-).

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

TREE

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

TREE5 strengths · Avg: 9.2/10
P/E RatioValuation
4.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
76.5%10/10

Every $100 of equity generates 77 in profit

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.2%8/10

Revenue surging 22.2% year-over-year

Areas to Watch

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

TREE2 concerns · Avg: 2.5/10
Market CapQuality
$702.12M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.552/10

Expensive relative to growth rate

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 33.1% and operating margin at 46.2%.

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 22.2% demonstrates continued momentum.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : TREE

The primary concerns for TREE are Market Cap, PEG Ratio.

Key Dynamics to Monitor

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

TREE carries more volatility with a beta of 2.15 — expect wider price swings.

TREE is growing revenue faster at 22.2% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Bottom Line

TREE scores higher overall (69/100 vs 68/100) and 22.2% 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.

Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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