Royal Bank of Canada (RY)vsYirendai Ltd (YRD)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
YRD
Yirendai Ltd
$1.93
+2.12%
FINANCIAL SERVICES · Cap: $186.04M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1009% more annual revenue ($63.42B vs $5.72B). RY leads profitability with a 33.1% profit margin vs 0.7%. YRD appears more attractively valued with a PEG of 1.24. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
YRD
Hold41
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 0.4% — below average capital efficiency
0.7% margin — thin
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 33.1% and operating margin at 46.2%.
Bull Case : YRD
The strongest argument for YRD centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 1.24 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : YRD
The primary concerns for YRD are P/E Ratio, Market Cap, Return on Equity. Thin 0.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
RY profiles as a mature stock while YRD is a value play — different risk/reward profiles.
YRD carries more volatility with a beta of 1.13 — expect wider price swings.
RY is growing revenue faster at 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 41/100), backed by strong 33.1% 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.
Yirendai Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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