WallStSmart

Royal Bank of Canada (RY)vsWhite Mountains Insurance Group Ltd (WTM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 1598% more annual revenue ($63.42B vs $3.73B). RY leads profitability with a 33.1% profit margin vs 29.6%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).

RY

Strong Buy

68

out of 100

Grade: B-

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

WTM

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 9.0Value: 7.7Quality: 5.0
Piotroski: 3/9Altman Z: 1.85

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

WTM6 strengths · Avg: 9.7/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
64.3%10/10

Strong operational efficiency at 64.3%

Revenue GrowthGrowth
348.0%10/10

Revenue surging 348.0% year-over-year

Return on EquityProfitability
21.1%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

Areas to Watch

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

Expensive relative to growth rate

WTM3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-36.6%2/10

Earnings declined 36.6%

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 : WTM

The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. Revenue growth of 348.0% demonstrates continued momentum.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : WTM

The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

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

RY carries more volatility with a beta of 0.92 — expect wider price swings.

WTM is growing revenue faster at 348.0% — sustainability is the question.

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

Bottom Line

WTM scores higher overall (82/100 vs 68/100), backed by strong 29.6% margins and 348.0% revenue growth. Both earn "Exceptional 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.

White Mountains Insurance Group Ltd

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.

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