Royal Bank of Canada (RY)vsWillis Towers Watson PLC (WTW)
RY
Royal Bank of Canada
$206.49
-2.77%
FINANCIAL SERVICES · Cap: $299.37B
WTW
Willis Towers Watson PLC
$315.93
-0.07%
FINANCIAL SERVICES · Cap: $27.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 564% more annual revenue ($65.72B vs $9.90B). RY leads profitability with a 33.7% profit margin vs 16.8%. WTW appears more attractively valued with a PEG of 1.08. WTW earns a higher WallStSmart Score of 74/100 (B).
RY
Strong Buy67
out of 100
Grade: B-
WTW
Strong Buy74
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
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Strong operational efficiency at 20.5%
Earnings expanding 33.0% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Negative free cash flow — burning cash
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 : WTW
The strongest argument for WTW centers on Return on Equity, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.8% and operating margin at 20.5%. PEG of 1.08 suggests the stock is reasonably priced for its growth.
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 : WTW
The primary concerns for WTW are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while WTW is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.93 — 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
WTW scores higher overall (74/100 vs 67/100), backed by strong 16.8% margins. 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.
Willis Towers Watson PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm, dedicated to delivering innovative risk management, insurance, and consulting services across more than 140 countries. With a strong emphasis on advanced data analytics and technology, WTW provides tailored solutions to address critical issues in health, retirement, and talent management for a diverse client base, including multinational corporations and small businesses. The firm’s commitment to driving sustainable growth and enhancing client engagement positions it as a trusted partner in navigating complex market dynamics, further solidifying its status as an industry leader.
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