Overview Dividends

(RY) Royal Bank of Canada - Ratings and Ratios

Exchange: NYSE • Country: Canada • Currency: USD • Type: Common Stock • ISIN: CA7800871021

Banking, Loans, Cards, Wealth, Insurance

Diversified Banks
Market Cap in USD: 237,069m

IPO / Inception: 1995-10-16
Return 12m vs S&P 500: 25.9%

EPS (Earnings per Share)

EPS CAGR: 8.15%
EPS Trend: 74.0%

Last SUE: 1.51
Qual. Beats: 2

Revenue

Rev. CAGR: 24.88%
Rev. Trend: 86.9%

Last SUE: 2.79
Qual. Beats: 1

Dividends

Dividend Yield	3.20%
Yield on Cost 5y	8.09%
Yield CAGR 5y	6.60%
Payout Consistency	97.3%
Payout Ratio	29.9%

Risk via 5d forecast
Volatility	13.8%
Value at Risk 5%th	22.4%
Relative Tail Risk	-1.09%

Reward TTM
Sharpe Ratio	2.02
Alpha	34.47
CAGR/Max DD	1.19

Character TTM
Hurst Exponent	0.448
Beta	0.569
Beta Downside	0.469

Drawdowns 3y
Max DD	22.44%
Mean DD	4.49%
Median DD	2.74%

Description: RY Royal Bank of Canada December 01, 2025

Royal Bank of Canada (RY) is a globally diversified financial services firm headquartered in Toronto. It operates four core segments: Personal Banking (home equity, consumer loans, deposits, credit cards, and payment solutions), Commercial Banking (lending and transaction services for businesses), Wealth Management (investment, trust, and advisory services for individuals and institutions), and Capital Markets (advisory, sales & trading, financing, and transaction banking for corporate and sovereign clients). The Insurance arm adds life, health, travel, property-and-casualty, and reinsurance products through both digital platforms and broker networks.

Key performance indicators as of the latest quarter show a market-capitalization of roughly $150 billion, a return on equity (ROE) of about 15 %, and a Common Equity Tier 1 (CET1) capital ratio near 13 %, reflecting strong balance-sheet resilience. Net interest income grew ~ 4 % YoY, driven by a higher average loan-to-deposit spread as the Bank benefits from a rising Canadian interest-rate environment.

Sector drivers that materially affect RBC’s outlook include the trajectory of Canadian housing prices (which influence mortgage demand and credit-risk exposure), the Bank of Canada’s policy rate path (affecting net interest margins), and cross-border capital flows that support its U.S. wealth-management expansion. A slowdown in domestic consumer spending or a sharp increase in credit losses would pose downside risks.

For a deeper quantitative dive into RBC’s valuation dynamics, consider exploring the analytics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (20.36b TTM) > 0 and > 6% of Revenue (6% = 8.24b TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 1.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -981.4% (prev -940.6%; Δ -40.82pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 55.22b > Net Income 20.36b (YES >=105%, WARN >=100%)

Net Debt (747.57b) to EBITDA (28.73b) ratio: 26.02 <= 3.0 (WARN <= 3.5)

Current Ratio 0.13 (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 45.26% (prev 40.34%; Δ 4.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.11% (prev 6.19%; Δ -0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.36 (EBITDA TTM 28.73b / Interest Expense TTM 70.83b) >= 6 (WARN >= 3)

Altman Z'' -3.53

(A) -0.58 = (Total Current Assets 206.49b - Total Current Liabilities 1554.49b) / Total Assets 2325.01b

(B) 0.04 = Retained Earnings (Balance) 96.94b / Total Assets 2325.01b

(D) 0.05 = Book Value of Equity 117.80b / Total Liabilities 2185.86b

Total Rating: -3.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.79

1. Piotroski 4.50pt

2. FCF Yield 5.33%

3. FCF Margin 38.57%

4. Debt/Equity 6.00

5. Debt/Ebitda 26.02

6. ROIC - WACC (= -0.28)%

7. RoE 15.08%

8. Rev. Trend 86.90%

9. EPS Trend 74.00%

What is the price of RY shares?

As of December 27, 2025, the stock is trading at USD 171.20 with a total of 697,900 shares traded.
Over the past week, the price has changed by +2.43%, over one month by +12.47%, over three months by +17.96% and over the past year by +46.18%.

Is RY a buy, sell or hold?

Royal Bank of Canada has received a consensus analysts rating of 4.31. Therefore, it is recommended to buy RY.

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	161.5	-5.7%
Analysts Target Price	161.5	-5.7%
ValueRay Target Price	219.7	28.3%

RY Fundamental Data Overview December 20, 2025

Market Cap CAD = 324.03b (237.07b USD * 1.3668 USD.CAD)
P/E Trailing = 16.5269
P/E Forward = 14.8368
P/S = 3.8088
P/B = 2.5314
P/EG = 2.0031
Beta = 1.012
Revenue TTM = 137.36b CAD
EBIT TTM = 25.65b CAD
EBITDA TTM = 28.73b CAD
Long Term Debt = 12.52b CAD (from longTermDebt, last quarter)
Short Term Debt = 476.56b CAD (from shortTermDebt, last quarter)
Debt = 834.96b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 747.57b CAD (from netDebt column, last quarter)
Enterprise Value = 993.70b CAD (324.03b + Debt 834.96b - CCE 165.28b)
Interest Coverage Ratio = 0.36 (Ebit TTM 25.65b / Interest Expense TTM 70.83b)
FCF Yield = 5.33% (FCF TTM 52.98b / Enterprise Value 993.70b)
FCF Margin = 38.57% (FCF TTM 52.98b / Revenue TTM 137.36b)
Net Margin = 14.82% (Net Income TTM 20.36b / Revenue TTM 137.36b)
Gross Margin = 45.26% ((Revenue TTM 137.36b - Cost of Revenue TTM 75.19b) / Revenue TTM)
Gross Margin QoQ = 46.47% (prev 46.31%)
Tobins Q-Ratio = 0.43 (Enterprise Value 993.70b / Total Assets 2325.01b)
Interest Expense / Debt = 2.11% (Interest Expense 17.64b / Debt 834.96b)
Taxrate = 20.42% (1.39b / 6.83b)
NOPAT = 20.41b (EBIT 25.65b * (1 - 20.42%))
Current Ratio = 0.13 (Total Current Assets 206.49b / Total Current Liabilities 1554.49b)
Debt / Equity = 6.00 (Debt 834.96b / totalStockholderEquity, last quarter 139.09b)
Debt / EBITDA = 26.02 (Net Debt 747.57b / EBITDA 28.73b)
Debt / FCF = 14.11 (Net Debt 747.57b / FCF TTM 52.98b)
Total Stockholder Equity = 135.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 20.36b / Total Assets 2325.01b)
RoE = 15.08% (Net Income TTM 20.36b / Total Stockholder Equity 135.07b)
RoCE = 17.38% (EBIT 25.65b / Capital Employed (Equity 135.07b + L.T.Debt 12.52b))
RoIC = 3.20% (NOPAT 20.41b / Invested Capital 638.28b)
WACC = 3.48% (E(324.03b)/V(1158.98b) * Re(8.11%) + D(834.96b)/V(1158.98b) * Rd(2.11%) * (1-Tc(0.20)))
Discount Rate = 8.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.33%
[DCF Debug] Terminal Value 75.72% ; FCFE base≈40.13b ; Y1≈34.67b ; Y5≈27.46b
Fair Price DCF = 353.5 (DCF Value 495.01b / Shares Outstanding 1.40b; 5y FCF grow -16.58% → 3.0% )
EPS Correlation: 74.00 | EPS CAGR: 8.15% | SUE: 1.51 | # QB: 2
Revenue Correlation: 86.90 | Revenue CAGR: 24.88% | SUE: 2.79 | # QB: 1
EPS next Quarter (2026-01-31): EPS=3.81 | Chg30d=+0.089 | Revisions Net=+4 | Analysts=11
EPS current Year (2026-10-31): EPS=15.64 | Chg30d=+0.586 | Revisions Net=+12 | Growth EPS=+8.4% | Growth Revenue=+5.4%
EPS next Year (2027-10-31): EPS=17.16 | Chg30d=+0.539 | Revisions Net=+7 | Growth EPS=+9.8% | Growth Revenue=+5.0%

Additional Sources for RY Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle