Royal Bank of Canada (RY)vsWorld Acceptance Corporation (WRLD)
RY
Royal Bank of Canada
$210.09
+1.76%
FINANCIAL SERVICES · Cap: $299.37B
WRLD
World Acceptance Corporation
$185.56
-2.16%
FINANCIAL SERVICES · Cap: $891.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 11138% more annual revenue ($65.72B vs $584.79M). RY leads profitability with a 33.7% profit margin vs 5.9%. WRLD appears more attractively valued with a PEG of 0.70. RY earns a higher WallStSmart Score of 67/100 (B-).
RY
Strong Buy67
out of 100
Grade: B-
WRLD
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Strong operational efficiency at 33.0%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
Smaller company, higher risk/reward
5.9% margin — thin
Weak financial health signals
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : WRLD
The strongest argument for WRLD centers on Operating Margin, PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Bear Case : WRLD
The primary concerns for WRLD are P/E Ratio, Market Cap, Profit Margin.
Key Dynamics to Monitor
RY profiles as a growth stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.14 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
RY scores higher overall (67/100 vs 60/100), 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.
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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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