(RY) Royal Bank of Canada - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 228.116m USD | Total Return: 55% in 12m

Banking, Investments, Insurance, Lending, Deposits

Total Rating 50

Safety 52

Buy Signal 1.00

Banks - Diversified
Industry Rotation: +18.3

Market Cap: 228B
Avg Turnover: 208M USD

ATR: 1.73%
Peers RS (IBD): 39.8

Risk 5d forecast

Volatility16.2%

Rel. Tail Risk-2.11%

Reward TTM

Sharpe Ratio2.82

Alpha38.30

Character TTM

Beta0.590

Beta Downside0.717

Drawdowns 3y

Max DD20.24%

CAGR/Max DD1.22

EPS (Earnings per Share)

EPS CAGR: 8.64%
EPS Trend: 83.2%

Last SUE: 1.18
Qual. Beats: 3

Revenue

Rev. CAGR: 28.95%
Rev. Trend: 82.9%

Last SUE: 0.72
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: RY Royal Bank of Canada

Royal Bank of Canada (NYSE: RY) is a globally diversified financial services firm offering personal banking, commercial banking, wealth management, insurance, and capital markets solutions. Its Personal Banking arm handles everything from home equity loans and credit cards to GICs and mutual funds, while Commercial Banking focuses on lending, deposits, and transaction services for businesses. Wealth Management delivers investment, trust, and advisory services to both institutional and individual clients, and the Insurance segment provides life, health, travel, and property-casualty products through digital platforms and broker networks. The Capital Markets division supplies advisory, origination, sales-trading, and financing services to corporations, governments, and asset managers.

In its most recent FY 2025 results, RY reported a net income of C$13.2 billion, a return on equity (ROE) of 15.8 %, and a Common Equity Tier 1 (CET1) capital ratio of 13.6 %, comfortably above the regulatory minimum. The bank’s loan portfolio grew 4.2 % year-over-year, driven largely by a rebound in residential mortgages, while its dividend yield stood at roughly 4.9 % with a 7-year consecutive increase in payout.

Key macro drivers include the Bank of Canada’s policy rate, which has been held near 5 % since late 2024, supporting net interest income growth, and a stabilizing Canadian housing market that underpins mortgage demand. Additionally, the broader North American banking sector is benefiting from higher fee-based revenues as corporate clients seek more sophisticated capital-markets solutions amid ongoing M&A activity.

Consider exploring ValueRay for deeper analysis.

Headlines to Watch Out For

Interest rate changes impact net interest margin
Canadian housing market health affects loan growth
Global economic slowdown reduces capital markets activity
Regulatory changes increase compliance costs
Insurance claims volatility impacts profitability

Piotroski VR‑10 (Strict) 3.0

Net Income: 21.03b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.23 > 1.0
NWC/Revenue: -168.5% < 20% (prev -751.8%; Δ 583.2% < -1%)
CFO/TA 0.03 > 3% & CFO 61.96b > Net Income 21.03b
Net Debt (316.69b) to EBITDA (29.23b): 10.84 < 3
Current Ratio: 0.17 > 1.5 & < 3
Outstanding Shares: last quarter (1.03b) vs 12m ago -27.35% < -2%
Gross Margin: 46.04% > 18% (prev 0.42%; Δ 4.56k% > 0.5%)
Asset Turnover: 6.07% > 50% (prev 6.24%; Δ -0.17% > 0%)
Interest Coverage Ratio: 0.38 > 6 (EBITDA TTM 29.23b / Interest Expense TTM 69.86b)

Altman Z'' -0.37

A: -0.10 (Total Current Assets 46.30b - Total Current Liabilities 278.26b) / Total Assets 2346.08b
B: 0.04 (Retained Earnings 99.42b / Total Assets 2346.08b)
C: 0.01 (EBIT TTM 26.60b / Avg Total Assets 2268.55b)
D: 0.06 (Book Value of Equity 128.88b / Total Liabilities 2206.00b)
Altman-Z'' Score: -0.37 = B

Beneish M -2.80

DSRI: 1.24 (Receivables 41.21b/32.89b, Revenue 137.63b/136.68b)
GMI: 0.91 (GM 46.04% / 41.69%)
AQI: 1.20 (AQ_t 0.98 / AQ_t-1 0.81)
SGI: 1.01 (Revenue 137.63b / 136.68b)
TATA: -0.02 (NI 21.03b - CFO 61.96b) / TA 2346.08b)
Beneish M-Score: -2.80 (Cap -4..+1) = A

What is the price of RY shares? As of April 10, 2026, the stock is trading at USD 170.79 with a total of 691,104 shares traded.
Over the past week, the price has changed by +4.53%, over one month by +4.50%, over three months by +1.65% and over the past year by +55.00%.

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?

Analysts Target Price	171.2	0.2%

Royal Bank of Canada (RY) - Fundamental Data Overview as of 07 April 2026

Market Cap CAD = 315.32b (228.12b USD * 1.3823 USD.CAD)
P/E Trailing = 15.6055
P/E Forward = 14.245
P/S = 3.5967
P/B = 2.4598
P/EG = 2.4143
Revenue TTM = 137.63b CAD
EBIT TTM = 26.60b CAD
EBITDA TTM = 29.23b CAD
Long Term Debt = 347.21b CAD (from longTermDebt, last quarter)
Short Term Debt = 278.26b CAD (from shortTermDebt, last quarter)
Debt = 362.99b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 316.69b CAD (from netDebt column, last quarter)
Enterprise Value = 632.01b CAD (315.32b + Debt 362.99b - CCE 46.30b)
Interest Coverage Ratio = 0.38 (Ebit TTM 26.60b / Interest Expense TTM 69.86b)
EV/FCF = 22.28x (Enterprise Value 632.01b / FCF TTM 28.37b)
FCF Yield = 4.49% (FCF TTM 28.37b / Enterprise Value 632.01b)
FCF Margin = 20.61% (FCF TTM 28.37b / Revenue TTM 137.63b)
Net Margin = 15.28% (Net Income TTM 21.03b / Revenue TTM 137.63b)
Gross Margin = 46.04% ((Revenue TTM 137.63b - Cost of Revenue TTM 74.27b) / Revenue TTM)
Gross Margin QoQ = 47.49% (prev 46.47%)
Tobins Q-Ratio = 0.27 (Enterprise Value 632.01b / Total Assets 2346.08b)
Interest Expense / Debt = 4.83% (Interest Expense 17.55b / Debt 362.99b)
Taxrate = 22.01% (1.62b / 7.38b)
NOPAT = 20.75b (EBIT 26.60b * (1 - 22.01%))
Current Ratio = 0.17 (Total Current Assets 46.30b / Total Current Liabilities 278.26b)
Debt / Equity = 2.59 (Debt 362.99b / totalStockholderEquity, last quarter 140.02b)
Debt / EBITDA = 10.84 (Net Debt 316.69b / EBITDA 29.23b)
Debt / FCF = 11.16 (Net Debt 316.69b / FCF TTM 28.37b)
Total Stockholder Equity = 136.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 21.03b / Total Assets 2346.08b)
RoE = 15.37% (Net Income TTM 21.03b / Total Stockholder Equity 136.78b)
RoCE = 5.50% (EBIT 26.60b / Capital Employed (Equity 136.78b + L.T.Debt 347.21b))
RoIC = 3.17% (NOPAT 20.75b / Invested Capital 655.26b)
WACC = 5.76% (E(315.32b)/V(678.31b) * Re(8.06%) + D(362.99b)/V(678.31b) * Rd(4.83%) * (1-Tc(0.22)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -14.76%
[DCF] Terminal Value 82.88% ; FCFF base≈38.41b ; Y1≈28.80b ; Y5≈17.17b
[DCF] Fair Price = 154.3 (EV 531.57b - Net Debt 316.69b = Equity 214.88b / Shares 1.39b; r=6.0% [WACC]; 5y FCF grow -29.64% → 3.0% )
EPS Correlation: 83.25 | EPS CAGR: 8.64% | SUE: 1.18 | # QB: 3
Revenue Correlation: 82.92 | Revenue CAGR: 28.95% | SUE: 0.72 | # QB: 0
EPS next Quarter (2026-07-31): EPS=3.99 | Chg7d=-0.001 | Chg30d=+0.003 | Revisions Net=-2 | Analysts=11
EPS current Year (2026-10-31): EPS=15.88 | Chg7d=-0.007 | Chg30d=+0.241 | Revisions Net=+9 | Growth EPS=+10.1% | Growth Revenue=+6.5%
EPS next Year (2027-10-31): EPS=17.39 | Chg7d=+0.011 | Chg30d=+0.151 | Revisions Net=+5 | Growth EPS=+9.5% | Growth Revenue=+4.5%
[Analyst] Revisions Ratio: -0.20 (4 Up / 6 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.7% (Discount Rate 8.1% - Earnings Yield 6.4%)
[Growth] Growth Spread = +3.9% (Analyst 5.6% - Implied 1.7%)

External Resources

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