WallStSmart

Royal Bank of Canada (RY)vsVictory Capital Holdings Inc (VCTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 4201% more annual revenue ($63.42B vs $1.47B). RY leads profitability with a 33.1% profit margin vs 25.8%. RY trades at a lower P/E of 17.0x. VCTR earns a higher WallStSmart Score of 77/100 (B+).

RY

Strong Buy

68

out of 100

Grade: B-

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

VCTR

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 9.0Value: 5.3Quality: 5.0
Piotroski: 2/9Altman Z: 1.85

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$252.63B10/10

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
17.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

VCTR6 strengths · Avg: 9.0/10
Operating MarginProfitability
44.7%10/10

Strong operational efficiency at 44.7%

Revenue GrowthGrowth
76.7%10/10

Revenue surging 76.7% year-over-year

Return on EquityProfitability
21.7%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
44.3%8/10

Earnings expanding 44.3% YoY

Areas to Watch

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

Expensive relative to growth rate

VCTR2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 : VCTR

The strongest argument for VCTR centers on Operating Margin, Revenue Growth, Return on Equity. Profitability is solid with margins at 25.8% and operating margin at 44.7%. Revenue growth of 76.7% demonstrates continued momentum.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : VCTR

The primary concerns for VCTR are Altman Z-Score, Piotroski F-Score.

Key Dynamics to Monitor

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

VCTR carries more volatility with a beta of 1.11 — expect wider price swings.

VCTR is growing revenue faster at 76.7% — sustainability is the question.

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

Bottom Line

VCTR scores higher overall (77/100 vs 68/100), backed by strong 25.8% margins and 76.7% 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.

Victory Capital Holdings Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Victory Capital Holdings, Inc., is a global asset management company. The company is headquartered in San Antonio, Texas.

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