MBIA Inc (MBI)vsRoyal Bank of Canada (RY)
MBI
MBIA Inc
$4.52
-0.44%
FINANCIAL SERVICES · Cap: $244.37M
RY
Royal Bank of Canada
$203.57
+0.63%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 76208% more annual revenue ($67.15B vs $88.00M). RY leads profitability with a 33.9% profit margin vs -164.8%. MBI appears more attractively valued with a PEG of 1.71. RY earns a higher WallStSmart Score of 63/100 (C+).
MBI
Hold38
out of 100
Grade: F
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Strong operational efficiency at 22.2%
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
Areas to Watch
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MBI
The strongest argument for MBI centers on Debt/Equity, Operating Margin.
Bull 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%.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
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.
Key Dynamics to Monitor
MBI profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.34 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
MBI generates stronger free cash flow (-4M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 38/100), 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.
MBIA Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MBIA Inc. provides financial insurance services to the public financial markets. The company is headquartered in Purchase, New York.
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.
Compare with Other INSURANCE - SPECIALTY Stocks
Want to dig deeper into these stocks?