WallStSmart

Oxford Lane Capital Corp. Preferred Stock Shares, 8.25% Series 2031 (OXLCM)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 21321% more annual revenue ($65.72B vs $306.79M). OXLCM leads profitability with a 76.6% profit margin vs 33.7%. RY earns a higher WallStSmart Score of 70/100 (B-).

OXLCM

Buy

65

out of 100

Grade: C+

Growth: 7.7Profit: 7.5Value: 5.0Quality: 6.3
Piotroski: 3/9

RY

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OXLCM4 strengths · Avg: 9.5/10
Profit MarginProfitability
76.6%10/10

Keeps 77 of every $100 in revenue as profit

Operating MarginProfitability
71.7%10/10

Strong operational efficiency at 71.7%

EPS GrowthGrowth
509.0%10/10

Earnings expanding 509.0% YoY

Revenue GrowthGrowth
20.7%8/10

Revenue surging 20.7% year-over-year

RY6 strengths · Avg: 9.3/10
Market CapQuality
$277.29B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

Areas to Watch

OXLCM3 concerns · Avg: 2.7/10
Market CapQuality
$466.23M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-52.0%2/10

ROE of -52.0% — below average capital efficiency

RY1 concerns · Avg: 2.0/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : OXLCM

The strongest argument for OXLCM centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 76.6% and operating margin at 71.7%. Revenue growth of 20.7% demonstrates continued momentum.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.

Bear Case : OXLCM

The primary concerns for OXLCM are Market Cap, Piotroski F-Score, Return on Equity.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

OXLCM carries more volatility with a beta of 1.14 — expect wider price swings.

OXLCM is growing revenue faster at 20.7% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RY scores higher overall (70/100 vs 65/100), backed by strong 33.7% margins and 16.1% revenue growth. 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.

Oxford Lane Capital Corp. Preferred Stock Shares, 8.25% Series 2031

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Oxford Lane Capital Corp.

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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