Navient Corp (NAVI)vsRoyal Bank of Canada (RY)
NAVI
Navient Corp
$9.42
+2.95%
FINANCIAL SERVICES · Cap: $870.31M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 20005% more annual revenue ($67.15B vs $334.00M). RY leads profitability with a 33.9% profit margin vs -14.7%. NAVI appears more attractively valued with a PEG of 0.14. RY earns a higher WallStSmart Score of 63/100 (C+).
NAVI
Buy63
out of 100
Grade: C+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 33.9%
Earnings expanding 100.0% YoY
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
4.2% revenue growth
Smaller company, higher risk/reward
ROE of -2.0% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 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 : NAVI
The primary concerns for NAVI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 18.49 is elevated, increasing financial risk.
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
NAVI profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.
NAVI carries more volatility with a beta of 1.20 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
NAVI generates stronger free cash flow (143M), providing more financial flexibility.
Bottom Line
NAVI scores higher overall (63/100 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.
Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
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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