Royal Bank of Canada (RY)vsWhiteHorse Finance (WHF)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
WHF
WhiteHorse Finance
$7.60
+0.40%
FINANCIAL SERVICES · Cap: $170.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 87174% more annual revenue ($63.42B vs $72.67M). RY leads profitability with a 33.1% profit margin vs 19.7%. WHF appears more attractively valued with a PEG of 1.01. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
WHF
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 68.1%
Earnings expanding 114.0% YoY
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 5.3% — below average capital efficiency
Elevated debt levels
Revenue declined 17.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bull Case : WHF
The strongest argument for WHF centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.7% and operating margin at 68.1%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : WHF
The primary concerns for WHF are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
RY profiles as a mature stock while WHF is a declining 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 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 66/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Strong 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.
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.
WhiteHorse Finance
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
WhiteHorse Finance, Inc. (WHF) is a premier business development company that offers tailored financing solutions to private middle-market businesses. Founded in 2013 and publicly listed since 2014, WHF has established a robust portfolio concentrated on first and second lien secured debt, aimed at delivering consistent income and capital appreciation to investors. Leveraging a disciplined investment strategy and experienced management, the company is poised to capitalize on the increasing demand for accessible capital among small to medium-sized enterprises, affirming its position as a reliable partner within the dynamic financial marketplace.
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