(RY) Royal Bank of Canada - Overview
Exchange: NYSE •
Country: Canada •
Currency: USD •
Type: Common Stock •
ISIN: CA7800871021
Stock: Banking, Lending, Wealth Management, Insurance, Capital Markets
Total Rating 54
Risk 40
Buy Signal 0.61
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.17% |
| Yield on Cost 5y | 6.34% |
| Yield CAGR 5y | 5.49% |
| Payout Consistency | 99.4% |
| Payout Ratio | 30.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 15.8% |
| Relative Tail Risk | -1.81% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.07 |
| Alpha | 37.12 |
| Character TTM | |
|---|---|
| Beta | 0.562 |
| Beta Downside | 0.464 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.44% |
| CAGR/Max DD | 1.01 |
Description: RY Royal Bank of Canada January 26, 2026
Royal Bank of Canada (NYSE:RY) is a globally diversified financial services firm headquartered in Toronto. Its operations span five core segments: Personal Banking (home equity, credit cards, auto financing, etc.), Commercial Banking (lending and transaction services for businesses), Wealth Management (investment, trust, and advisory solutions for individuals and institutions), Insurance (life, health, property-and-casualty, annuities, and reinsurance), and Capital Markets (advisory, sales-trading, financing, and transaction banking for corporations, asset managers, private-equity firms, and governments).
Key recent metrics (Q4 2025, released March 2026) show a net income of **$8.1 billion**, a **return on equity of 15.3 %**, and a **CET1 capital ratio of 13.2 %**, supporting a **dividend yield near 5.2 %**. The bank’s performance is being shaped by a **Bank of Canada policy rate of 5 %**, a modest slowdown in the Canadian housing market, and continued pressure on credit quality across North-American banks-factors that are reflected in its loan-loss provisions and earnings guidance.
For a deeper, data-driven look at RBC’s valuation and risk profile, consider reviewing the analysis tools available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 20.36b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.32 > 1.0 |
| NWC/Revenue: -981.4% < 20% (prev -940.6%; Δ -40.82% < -1%) |
| CFO/TA 0.02 > 3% & CFO 55.22b > Net Income 20.36b |
| Net Debt (747.57b) to EBITDA (28.73b): 26.02 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.41b) vs 12m ago -0.46% < -2% |
| Gross Margin: 45.26% > 18% (prev 0.40%; Δ 4486 % > 0.5%) |
| Asset Turnover: 6.11% > 50% (prev 6.19%; Δ -0.08% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBITDA TTM 28.73b / Interest Expense TTM 70.83b) |
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 96.94b / Total Assets 2325.01b) |
| C: 0.01 (EBIT TTM 25.65b / Avg Total Assets 2248.29b) |
| D: 0.05 (Book Value of Equity 117.80b / Total Liabilities 2185.86b) |
| Altman-Z'' Score: -3.53 = D |
Beneish M -2.94
| DSRI: 1.23 (Receivables 41.21b/32.89b, Revenue 137.36b/134.48b) |
| GMI: 0.89 (GM 45.26% / 40.34%) |
| AQI: 1.00 (AQ_t 0.91 / AQ_t-1 0.90) |
| SGI: 1.02 (Revenue 137.36b / 134.48b) |
| TATA: -0.01 (NI 20.36b - CFO 55.22b) / TA 2325.01b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of RY shares?
As of February 08, 2026, the stock is trading at USD 170.40 with a total of 1,124,125 shares traded.
Over the past week, the price has changed by +2.51%, over one month by +0.69%, over three months by +18.00% and over the past year by +47.25%.
Over the past week, the price has changed by +2.51%, over one month by +0.69%, over three months by +18.00% and over the past year by +47.25%.
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.
- StrongBuy: 8
- Buy: 5
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 162.6 | -4.6% |
| Analysts Target Price | 162.6 | -4.6% |
| ValueRay Target Price | 214.4 | 25.8% |
RY Fundamental Data Overview February 07, 2026
Market Cap CAD = 324.12b (237.21b USD * 1.3664 USD.CAD)
P/E Trailing = 16.4722
P/E Forward = 14.7275
P/S = 3.811
P/B = 2.5303
P/EG = 2.3749
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 = 993.80b CAD (324.12b + Debt 834.96b - CCE 165.28b)
Interest Coverage Ratio = 0.36 (Ebit TTM 25.65b / Interest Expense TTM 70.83b)
EV/FCF = 18.76x (Enterprise Value 993.80b / FCF TTM 52.98b)
FCF Yield = 5.33% (FCF TTM 52.98b / Enterprise Value 993.80b)
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 993.80b / 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 = 0.91% (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 = 3.45% (E(324.12b)/V(1159.08b) * Re(7.99%) + D(834.96b)/V(1159.08b) * Rd(2.11%) * (1-Tc(0.20)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.33%
[DCF Debug] Terminal Value 84.74% ; FCFF base≈40.13b ; Y1≈34.67b ; Y5≈27.39b
Fair Price DCF = 60.70 (EV 832.56b - Net Debt 747.57b = Equity 84.99b / Shares 1.40b; r=5.90% [WACC]; 5y FCF grow -16.58% → 2.90% )
EPS Correlation: 73.74 | EPS CAGR: 7.47% | SUE: 1.41 | # QB: 2
Revenue Correlation: 86.90 | Revenue CAGR: 24.88% | SUE: 2.79 | # QB: 1
EPS next Quarter (2026-04-30): EPS=3.74 | Chg30d=+0.070 | Revisions Net=+6 | Analysts=10
EPS current Year (2026-10-31): EPS=15.62 | Chg30d=-0.011 | Revisions Net=+12 | Growth EPS=+8.3% | Growth Revenue=+5.4%
EPS next Year (2027-10-31): EPS=17.22 | Chg30d=+0.053 | Revisions Net=+8 | Growth EPS=+10.2% | Growth Revenue=+5.0%
P/E Trailing = 16.4722
P/E Forward = 14.7275
P/S = 3.811
P/B = 2.5303
P/EG = 2.3749
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 = 993.80b CAD (324.12b + Debt 834.96b - CCE 165.28b)
Interest Coverage Ratio = 0.36 (Ebit TTM 25.65b / Interest Expense TTM 70.83b)
EV/FCF = 18.76x (Enterprise Value 993.80b / FCF TTM 52.98b)
FCF Yield = 5.33% (FCF TTM 52.98b / Enterprise Value 993.80b)
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 993.80b / 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 = 0.91% (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 = 3.45% (E(324.12b)/V(1159.08b) * Re(7.99%) + D(834.96b)/V(1159.08b) * Rd(2.11%) * (1-Tc(0.20)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.33%
[DCF Debug] Terminal Value 84.74% ; FCFF base≈40.13b ; Y1≈34.67b ; Y5≈27.39b
Fair Price DCF = 60.70 (EV 832.56b - Net Debt 747.57b = Equity 84.99b / Shares 1.40b; r=5.90% [WACC]; 5y FCF grow -16.58% → 2.90% )
EPS Correlation: 73.74 | EPS CAGR: 7.47% | SUE: 1.41 | # QB: 2
Revenue Correlation: 86.90 | Revenue CAGR: 24.88% | SUE: 2.79 | # QB: 1
EPS next Quarter (2026-04-30): EPS=3.74 | Chg30d=+0.070 | Revisions Net=+6 | Analysts=10
EPS current Year (2026-10-31): EPS=15.62 | Chg30d=-0.011 | Revisions Net=+12 | Growth EPS=+8.3% | Growth Revenue=+5.4%
EPS next Year (2027-10-31): EPS=17.22 | Chg30d=+0.053 | Revisions Net=+8 | Growth EPS=+10.2% | Growth Revenue=+5.0%