WallStSmart

Oxford Lane Capital Corp Corp Pref 9 (OXLCO)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 14061% more annual revenue ($65.72B vs $464.06M). RY leads profitability with a 33.7% profit margin vs -126.1%. RY trades at a lower P/E of 18.1x. RY earns a higher WallStSmart Score of 70/100 (B-).

OXLCO

Avoid

32

out of 100

Grade: F

Growth: 3.0Profit: 5.5Value: 5.3Quality: 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

OXLCO2 strengths · Avg: 9.0/10
Operating MarginProfitability
71.8%10/10

Strong operational efficiency at 71.8%

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

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

OXLCO4 concerns · Avg: 3.0/10
P/E RatioValuation
27.8x4/10

Moderate valuation

Market CapQuality
$436.87M3/10

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 : OXLCO

The strongest argument for OXLCO centers on Operating Margin, Price/Book.

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 : OXLCO

The primary concerns for OXLCO are P/E Ratio, Market Cap, Piotroski F-Score.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

OXLCO profiles as a turnaround stock while RY is a growth play — different risk/reward profiles.

RY carries more volatility with a beta of 0.94 — expect wider price swings.

RY is growing revenue faster at 16.1% — sustainability is the question.

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

Bottom Line

RY scores higher overall (70/100 vs 32/100), backed by strong 33.7% margins and 16.1% revenue growth. Both earn "Strong Buy" and "Avoid" 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 Corp Pref 9

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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