Medallion Financial Corp (MFIN)vsRoyal Bank of Canada (RY)
MFIN
Medallion Financial Corp
$12.04
-0.08%
FINANCIAL SERVICES · Cap: $274.61M
RY
Royal Bank of Canada
$199.80
-0.57%
FINANCIAL SERVICES · Cap: $281.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 19088% more annual revenue ($67.15B vs $349.97M). RY leads profitability with a 33.9% profit margin vs 9.3%. MFIN appears more attractively valued with a PEG of 0.77. RY earns a higher WallStSmart Score of 66/100 (B-).
MFIN
Buy61
out of 100
Grade: C+
RY
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
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 : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, 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
MFIN profiles as a value stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
MFIN generates stronger free cash flow (17M), providing more financial flexibility.
Bottom Line
RY scores higher overall (66/100 vs 61/100), backed by strong 33.9% 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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, 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.
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