Royal Bank of Canada (RY)vsWestern Union Co (WU)
RY
Royal Bank of Canada
$203.30
-0.13%
FINANCIAL SERVICES · Cap: $291.55B
WU
Western Union Co
$6.18
-5.36%
FINANCIAL SERVICES · Cap: $2.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1563% more annual revenue ($67.15B vs $4.04B). RY leads profitability with a 33.9% profit margin vs 9.8%. RY appears more attractively valued with a PEG of 2.35. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
WU
Buy53
out of 100
Grade: C-
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%
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 48 in profit
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
Weak financial health signals
Expensive relative to growth rate
Revenue declined 1.3%
Earnings declined 35.1%
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 : WU
The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.
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 : WU
The primary concerns for WU are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY profiles as a mature stock while WU is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
WU generates stronger free cash flow (64M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 53/100), backed by strong 33.9% margins. Both earn "Buy" and "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.
Western Union Co
FINANCIAL SERVICES · CREDIT SERVICES · USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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