Royal Bank of Canada (RY)vsUWM Holdings Corp (UWMC)
RY
Royal Bank of Canada
$210.09
+1.76%
FINANCIAL SERVICES · Cap: $299.37B
UWMC
UWM Holdings Corp
$1.98
+6.45%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1721% more annual revenue ($65.72B vs $3.61B). RY leads profitability with a 33.7% profit margin vs 1.8%. UWMC trades at a lower P/E of 6.7x. UWMC earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy67
out of 100
Grade: B-
UWMC
Strong Buy71
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
Attractively priced relative to earnings
Strong operational efficiency at 40.7%
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Revenue surging 24.4% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : UWMC
The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% 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 : UWMC
The primary concerns for UWMC are Profit Margin, Free Cash Flow, Altman Z-Score. Debt-to-equity of 70.65 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
UWMC carries more volatility with a beta of 1.81 — expect wider price swings.
UWMC is growing revenue faster at 24.4% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UWMC scores higher overall (71/100 vs 67/100) and 24.4% 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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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