Kearny Financial Corp (KRNY)vsRoyal Bank of Canada (RY)
KRNY
Kearny Financial Corp
$8.04
-0.37%
FINANCIAL SERVICES · Cap: $511.87M
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 37242% more annual revenue ($63.42B vs $169.84M). RY leads profitability with a 33.1% profit margin vs 21.1%. RY appears more attractively valued with a PEG of 2.30. KRNY earns a higher WallStSmart Score of 69/100 (B-).
KRNY
Strong Buy69
out of 100
Grade: B-
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 31.0%
Earnings expanding 50.5% YoY
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
17.5% revenue growth
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
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.8% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : KRNY
The strongest argument for KRNY centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 21.1% and operating margin at 31.0%. Revenue growth of 17.5% demonstrates continued momentum.
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%.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 2.63 is elevated, increasing financial risk.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
KRNY profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
KRNY is growing revenue faster at 17.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
KRNY scores higher overall (69/100 vs 68/100), backed by strong 21.1% margins and 17.5% revenue growth. 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.
Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →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.
Compare with Other BANKS - REGIONAL Stocks
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