Royal Bank of Canada (RY)vsVoya Financial Inc (VOYA)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
VOYA
Voya Financial Inc
$96.56
-0.29%
FINANCIAL SERVICES · Cap: $8.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 722% more annual revenue ($67.15B vs $8.17B). RY leads profitability with a 33.9% profit margin vs 7.5%. VOYA appears more attractively valued with a PEG of 1.19. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
VOYA
Hold50
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
Distress zone — elevated risk
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 : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
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 : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
RY profiles as a mature stock while VOYA is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
VOYA generates stronger free cash flow (503M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 50/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "Hold" 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.
Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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