(RY) Royal Bank of Canada - Ratings and Ratios
Banking, Insurance, Investments, Wealth Management, Credit Services
RY EPS (Earnings per Share)
RY Revenue
Description: RY Royal Bank of Canada
Royal Bank of Canada is a diversified financial services company with a global presence, operating through multiple segments including Personal Banking, Commercial Banking, Wealth Management, Insurance, and Capital Markets. The company provides a wide range of financial products and services, including lending, deposit accounts, investment products, insurance, and transaction banking services, catering to individual, institutional, and corporate clients.
With a history dating back to 1864, Royal Bank of Canada has established itself as a major player in the banking industry, headquartered in Toronto, Canada. Its diversified business model allows it to capitalize on various market opportunities, while its global reach provides a stable source of revenue. Key performance indicators (KPIs) such as revenue growth, net interest margin, and return on equity (RoE) are crucial in evaluating the companys financial health. Notably, its RoE of 14.09% indicates a relatively strong profitability compared to industry peers.
In terms of its financial performance, Royal Bank of Canadas market capitalization stands at approximately $188.25 billion USD, with a price-to-earnings (P/E) ratio of 14.50 and a forward P/E of 12.74. These metrics suggest that the company is reasonably valued compared to its earnings, with potential for growth. Additionally, its diversified business segments and global presence provide a stable foundation for long-term growth, making it an attractive option for investors seeking exposure to the financial services sector.
From a valuation perspective, Royal Bank of Canadas stock has demonstrated a relatively stable performance, with a current price of $131.82. The companys dividend yield and payout ratio are also important metrics to consider, as they indicate the companys ability to return value to shareholders. Overall, Royal Bank of Canadas diversified business model, global presence, and relatively strong financial performance make it a notable player in the banking industry.
RY Stock Overview
| Market Cap in USD | 203,945m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1995-10-16 |
RY Stock Ratings
| Growth Rating | 75.8% |
| Fundamental | 67.3% |
| Dividend Rating | 76.5% |
| Return 12m vs S&P 500 | 2.25% |
| Analyst Rating | 4.31 of 5 |
RY Dividends
| Dividend Yield 12m | 4.01% |
| Yield on Cost 5y | 8.65% |
| Annual Growth 5y | 5.25% |
| Payout Consistency | 99.3% |
| Payout Ratio | 31.0% |
RY Growth Ratios
| Growth Correlation 3m | 89.2% |
| Growth Correlation 12m | 52.9% |
| Growth Correlation 5y | 77% |
| CAGR 5y | 19.55% |
| CAGR/Max DD 3y | 0.87 |
| CAGR/Mean DD 3y | 5.54 |
| Sharpe Ratio 12m | 0.63 |
| Alpha | 1.98 |
| Beta | 0.924 |
| Volatility | 14.04% |
| Current Volume | 549.8k |
| Average Volume 20d | 766.6k |
| Stop Loss | 139.8 (-3%) |
| Signal | -1.14 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (19.15b TTM) > 0 and > 6% of Revenue (6% = 8.18b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 2.68pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -747.4% (prev -786.6%; Δ 39.21pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 87.17b > Net Income 19.15b (YES >=105%, WARN >=100%) |
| Net Debt (681.91b) to EBITDA (27.18b) ratio: 25.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.41b) change vs 12m ago -0.46% (target <= -2.0% for YES) |
| Gross Margin 44.14% (prev 39.88%; Δ 4.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.34% (prev 6.35%; Δ -0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.33 (EBITDA TTM 27.18b / Interest Expense TTM 72.01b) >= 6 (WARN >= 3) |
Altman Z'' -2.73
| (A) -0.46 = (Total Current Assets 440.33b - Total Current Liabilities 1459.78b) / Total Assets 2227.89b |
| (B) 0.04 = Retained Earnings (Balance) 94.97b / Total Assets 2227.89b |
| (C) 0.01 = EBIT TTM 24.04b / Avg Total Assets 2152.00b |
| (D) 0.06 = Book Value of Equity 115.89b / Total Liabilities 2092.26b |
| Total Rating: -2.73 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.30
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 13.43% = 5.0 |
| 3. FCF Margin 62.17% = 7.50 |
| 4. Debt/Equity 5.83 = -2.50 |
| 5. Debt/Ebitda 29.05 = -2.50 |
| 6. ROIC - WACC -0.65% = -0.82 |
| 7. RoE 14.50% = 1.21 |
| 8. Rev. Trend 85.14% = 4.26 |
| 9. Rev. CAGR 19.73% = 2.47 |
| 10. EPS Trend 77.49% = 1.94 |
| 11. EPS CAGR 12.46% = 1.25 |
What is the price of RY shares?
Over the past week, the price has changed by -0.33%, over one month by +5.53%, over three months by +12.79% and over the past year by +20.92%.
Is Royal Bank of Canada a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RY is around 159.33 USD . This means that RY is currently undervalued and has a potential upside of +10.54% (Margin of Safety).
Is RY a buy, sell or hold?
- Strong Buy: 8
- Buy: 5
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 145 | 0.6% |
| Analysts Target Price | 145 | 0.6% |
| ValueRay Target Price | 170.2 | 18.1% |
Last update: 2025-09-10 02:42
RY Fundamental Data Overview
CCE Cash And Equivalents = 440.33b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.1266
P/E Forward = 13.3511
P/S = 3.3836
P/B = 2.2662
P/EG = 2.0031
Beta = 1.058
Revenue TTM = 136.41b CAD
EBIT TTM = 24.04b CAD
EBITDA TTM = 27.18b CAD
Long Term Debt = 348.89b CAD (from longTermDebt, last quarter)
Short Term Debt = 440.78b CAD (from shortTermDebt, last quarter)
Debt = 789.67b CAD (Calculated: Short Term 440.78b + Long Term 348.89b)
Net Debt = 681.91b CAD (from netDebt column, last quarter)
Enterprise Value = 631.50b CAD (282.16b + Debt 789.67b - CCE 440.33b)
Interest Coverage Ratio = 0.33 (Ebit TTM 24.04b / Interest Expense TTM 72.01b)
FCF Yield = 13.43% (FCF TTM 84.81b / Enterprise Value 631.50b)
FCF Margin = 62.17% (FCF TTM 84.81b / Revenue TTM 136.41b)
Net Margin = 14.04% (Net Income TTM 19.15b / Revenue TTM 136.41b)
Gross Margin = 44.14% ((Revenue TTM 136.41b - Cost of Revenue TTM 76.20b) / Revenue TTM)
Tobins Q-Ratio = 5.45 (Enterprise Value 631.50b / Book Value Of Equity 115.89b)
Interest Expense / Debt = 2.25% (Interest Expense 17.76b / Debt 789.67b)
Taxrate = 18.24% (3.62b / 19.86b)
NOPAT = 19.65b (EBIT 24.04b * (1 - 18.24%))
Current Ratio = 0.30 (Total Current Assets 440.33b / Total Current Liabilities 1459.78b)
Debt / Equity = 5.83 (Debt 789.67b / last Quarter total Stockholder Equity 135.56b)
Debt / EBITDA = 29.05 (Net Debt 681.91b / EBITDA 27.18b)
Debt / FCF = 9.31 (Debt 789.67b / FCF TTM 84.81b)
Total Stockholder Equity = 132.07b (last 4 quarters mean)
RoA = 0.86% (Net Income 19.15b, Total Assets 2227.89b )
RoE = 14.50% (Net Income TTM 19.15b / Total Stockholder Equity 132.07b)
RoCE = 5.00% (Ebit 24.04b / (Equity 132.07b + L.T.Debt 348.89b))
RoIC = 3.18% (NOPAT 19.65b / Invested Capital 618.10b)
WACC = 3.83% (E(282.16b)/V(1071.82b) * Re(9.42%)) + (D(789.67b)/V(1071.82b) * Rd(2.25%) * (1-Tc(0.18)))
Shares Correlation 3-Years: 66.68 | Cagr: 0.14%
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 64.49% ; FCFE base≈60.22b ; Y1≈39.54b ; Y5≈18.08b
Fair Price DCF = 203.3 (DCF Value 286.78b / Shares Outstanding 1.41b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 85.14 | Revenue CAGR: 19.73%
Rev Growth-of-Growth: -20.70
EPS Correlation: 77.49 | EPS CAGR: 12.46%
EPS Growth-of-Growth: 10.47
Additional Sources for RY Stock
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