Royal Bank of Canada (RY)vsWintrust Financial Corporation (WTFC)
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
WTFC
Wintrust Financial Corporation
$155.77
+0.27%
FINANCIAL SERVICES · Cap: $10.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2341% more annual revenue ($65.72B vs $2.69B). RY leads profitability with a 33.7% profit margin vs 32.0%. WTFC appears more attractively valued with a PEG of 1.17. WTFC earns a higher WallStSmart Score of 77/100 (B+).
RY
Strong Buy70
out of 100
Grade: B-
WTFC
Strong Buy77
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
Reasonable price relative to book value
16.1% revenue growth
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.3%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : WTFC
The strongest argument for WTFC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 32.0% and operating margin at 46.3%. Revenue growth of 10.4% 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 : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while WTFC is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
WTFC scores higher overall (77/100 vs 70/100), backed by strong 32.0% margins and 10.4% 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.
Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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