Royal Bank of Canada (RY)vsWorld Acceptance Corporation (WRLD)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
WRLD
World Acceptance Corporation
$191.82
+0.56%
FINANCIAL SERVICES · Cap: $888.52M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 11258% more annual revenue ($67.15B vs $591.22M). RY leads profitability with a 33.9% profit margin vs 6.6%. WRLD appears more attractively valued with a PEG of 0.70. WRLD earns a higher WallStSmart Score of 64/100 (C+).
RY
Buy63
out of 100
Grade: C+
WRLD
Buy64
out of 100
Grade: C+
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 343.3% YoY
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
4.8% revenue growth
Smaller company, higher risk/reward
6.6% margin — thin
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 : WRLD
The strongest argument for WRLD centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.70 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 : WRLD
The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY profiles as a mature stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.14 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
WRLD generates stronger free cash flow (62M), providing more financial flexibility.
Bottom Line
WRLD scores higher overall (64/100 vs 63/100). Both earn "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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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