It means that RBC is not operating efficiently relative to its industry. Comparison between BMO, RBC and Sun Life InsuranceOf the three insurance companies Sun Life has the highest profit margin. This means it operates more efficiently and earns more per dollar of sales than its two competitors. Whereas RBC has the lowest profit margin of the three; which is not favorable. When it comes to uncollected days of sales, BMO has the highest number of days. This means that BMO takes longer to turn its receivables into cash than its two competitors. This is unfavorable compared to that of RBC which has uncollected sales on the lowest days. The ratio of equity to debt are both very important because it shows how much of the assets used for production are actually owned by the owner of a business. According to the calculations in the appendix, RBC has the highest equity ratio and the lowest debt ratio. This is considered favorable compared to the equity-to-debt ratio of Sun Life and BMO. When it comes to return on total assets, BMO has the highest return. This means it earns more per asset than RBC and Sun