Royal Bank of Canada (RY)vsSLM Corp (SLM)
RY
Royal Bank of Canada
$204.23
-0.45%
FINANCIAL SERVICES · Cap: $291.55B
SLM
SLM Corp
$26.15
-0.95%
FINANCIAL SERVICES · Cap: $4.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 3883% more annual revenue ($67.15B vs $1.69B). SLM leads profitability with a 43.6% profit margin vs 33.9%. SLM appears more attractively valued with a PEG of 0.58. SLM earns a higher WallStSmart Score of 70/100 (B-).
RY
Buy63
out of 100
Grade: C+
SLM
Strong Buy70
out of 100
Grade: B-
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 31 in profit
Keeps 44 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 29.2%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.6% and operating margin at 29.2%. PEG of 0.58 suggests the stock is reasonably priced for its growth.
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 : SLM
The primary concerns for SLM are EPS Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Key Dynamics to Monitor
SLM carries more volatility with a beta of 0.97 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
SLM generates stronger free cash flow (-135M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SLM scores higher overall (70/100 vs 63/100), backed by strong 43.6% margins. Both earn "Strong 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.
SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?