Regional Management Corp (RM)vsRoyal Bank of Canada (RY)
RM
Regional Management Corp
$32.99
+0.73%
FINANCIAL SERVICES · Cap: $310.73M
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 10265% more annual revenue ($67.15B vs $647.84M). RY leads profitability with a 33.9% profit margin vs 7.2%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 67/100 (B-).
RM
Strong Buy67
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Strong operational efficiency at 20.8%
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
Distress zone — elevated risk
Smaller company, higher risk/reward
7.2% margin — thin
Earnings declined 17.5%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.90 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 : RM
The primary concerns for RM are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 4.54 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
RM profiles as a value stock while RY is a mature play — different risk/reward profiles.
RM carries more volatility with a beta of 0.99 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
RM generates stronger free cash flow (79M), providing more financial flexibility.
Bottom Line
RM scores higher overall (67/100 vs 63/100). 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.
Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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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