Royal Bank of Canada (RY)vsSoFi Technologies Inc. (SOFI)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
SOFI
SoFi Technologies Inc.
$16.10
+3.70%
FINANCIAL SERVICES · Cap: $19.89B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1523% more annual revenue ($63.42B vs $3.91B). RY leads profitability with a 33.1% profit margin vs 14.8%. SOFI appears more attractively valued with a PEG of 0.99. SOFI earns a higher WallStSmart Score of 73/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
SOFI
Strong Buy73
out of 100
Grade: B
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
Revenue surging 42.5% year-over-year
Earnings expanding 99.1% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 6.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : SOFI
The strongest argument for SOFI centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 42.5% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : SOFI
The primary concerns for SOFI are P/E Ratio, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
RY profiles as a mature stock while SOFI is a growth play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.25 — expect wider price swings.
SOFI is growing revenue faster at 42.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
SOFI scores higher overall (73/100 vs 68/100) and 42.5% 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.
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.
SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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