Royal Bank of Canada (RY)vsUWM Holdings Corp (UWMC)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2195% more annual revenue ($67.15B vs $2.93B). RY leads profitability with a 33.9% profit margin vs -1.3%. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
UWMC
Hold35
out of 100
Grade: F
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
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
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 : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
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 : UWMC
The primary concerns for UWMC are Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY profiles as a mature stock while UWMC is a turnaround play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.82 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
UWMC generates stronger free cash flow (335M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 35/100), backed by strong 33.9% margins. Both earn "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.
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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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