WallStSmart

Oxford Lane Capital Corp Corp Pref 9 (OXLCO)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 12897% more annual revenue ($63.42B vs $487.99M). RY leads profitability with a 33.1% profit margin vs 0.8%. RY trades at a lower P/E of 16.9x. RY earns a higher WallStSmart Score of 68/100 (B-).

OXLCO

Hold

43

out of 100

Grade: D

Growth: 6.7Profit: 6.5Value: 5.3Quality: 5.0

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OXLCO3 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
72.8%10/10

Strong operational efficiency at 72.8%

Revenue GrowthGrowth
29.5%8/10

Revenue surging 29.5% year-over-year

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

OXLCO4 concerns · Avg: 3.3/10
P/E RatioValuation
27.1x4/10

Moderate valuation

Market CapQuality
$436.87M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.2%3/10

ROE of 0.2% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : OXLCO

The strongest argument for OXLCO centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 29.5% 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 : OXLCO

The primary concerns for OXLCO are P/E Ratio, Market Cap, Return on Equity. Thin 0.8% margins leave little buffer for downturns.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

OXLCO 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.

OXLCO is growing revenue faster at 29.5% — 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 43/100), 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.

Oxford Lane Capital Corp Corp Pref 9

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Oxford Lane Capital Corp.

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.

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