Royal Bank of Canada RY FINANCIAL
Company Overview
Royal Bank of Canada operates as a diversified financial service company worldwide. Its Personal Banking segment offers home equity financing, personal lending, chequing and savings accounts, private banking, auto financing, mutual funds, GICs, credit cards, and payment products and solutions. The company's Commercial Banking segments provides lending, deposit and transaction banking products and services. Its Wealth Management segment provides a suite of wealth, investment, trust, banking, credit, and other solutions to clients; asset management products to institutional and individual clients; and asset and investor services to financial institutions, asset managers, and asset owners. The company's Insurance segment offers life, health, travel, wealth, annuities, property and casualty, and reinsurance advice and solutions; digital platforms; and independent brokers and partners, as well as client-led advice and solutions. The company's Capital Markets segment offers advisory and origination, sales and trading, lending and financing, and transaction banking services to corporations, institutional clients, asset managers, private equity firms, and governments. The company was founded in 1864 and is based in Toronto, Canada.
Why Investors Should Care
Generates a return on equity of 16.2%, reflecting efficient use of shareholder capital.
Revenue has grown at a 10.9% CAGR over the past five years.
Maintains a net profit margin of 33.9%.
Offers a dividend yield of 2.49%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +8.9%, earnings +12.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.9%, profit CAGR 8.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.90% |
| 1 Year: | 8.90% |
Compounded Profit Growth
| 5 Years: | 8.84% |
| 1 Year: | 12.80% |
Stock Price Performance
| 1 Year: | +55.76% |
| 6 Months: | +29.53% |
| 3 Months: | +7.65% |
| 1 Month: | -0.99% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)51.61 · Neutral
P/E of 18.37 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 33.9%.
- Compounding revenue at 10.9% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RY Royal Bank of Canada FINANCIAL | 209.00 | 18.37 | $289.35B | 2.49% | - | 16.21% | 10.90% | 8.84% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jan 2025 | Apr 2025 | Jul 2025 | Oct 2025 | Jan 2026 | Apr 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 15.66B | 16.96B | 17.20B | 17.92B | 17.43B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 16.91B | 17.76B | 17.64B | 17.52B | 16.52B |
| Pretax Income | - | 5.52B | 6.87B | 6.83B | 7.41B | 7.10B |
| Tax Provision | - | 1.13B | 1.46B | 1.39B | 1.62B | 1.59B |
| Net Income | - | 4.39B | 5.42B | 5.43B | 5.78B | 5.51B |
| Diluted EPS | - | 3.02 | 3.75 | 3.76 | 4.03 | 3.85 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Jan 2025 | Apr 2025 | Jul 2025 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | 48.77B | 51.59B | 57.49B | - | - | - | 66.53B |
| Cost of Revenue | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| Interest Expense | - | 18.05B | 61.86B | 77.00B | - | - | - | 70.83B |
| Pretax Income | - | 20.11B | 18.18B | 19.86B | - | - | - | 25.65B |
| Tax Provision | - | 4.30B | 3.57B | 3.62B | - | - | - | 5.28B |
| Net Income | - | 15.79B | 14.61B | 16.23B | - | - | - | 20.36B |
| Diluted EPS | - | - | - | - | 12.29 | 12.56 | 13.22 | 14.07 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.92T | 2.01T | 2.17T | 2.33T |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 180.41B | 133.07B | 122.74B | 87.39B |
| Inventory | - | - | - | - | - |
| Receivables | - | 8.95B | 12.07B | 12.29B | 13.37B |
| Total Liabilities | - | 1.81T | 1.89T | 2.04T | 2.19T |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 277.77B | 316.92B | 324.36B | 353.81B |
| Total Debt | - | 425.18B | 439.35B | 463.41B | 545.44B |
| Total Equity | - | 108.06B | 115.05B | 127.09B | 139.09B |
| Shares Outstanding | - | 1.39B | 1.40B | 1.42B | 1.40B |
Cash Flows (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 21.94B | 26.08B | 23.14B | 55.22B |
| Investing Cash Flow | - | -57.05B | -28.27B | -20.89B | -68.57B |
| Financing Cash Flow | - | -2.19B | -9.83B | -8.15B | -6.71B |
| Capital Expenditure | - | -2.50B | -2.73B | -2.28B | -2.24B |
| Free Cash Flow | - | 19.44B | 23.35B | 20.86B | 52.98B |
| Net Change in Cash | - | -37.30B | -12.02B | -5.89B | -20.06B |
Ratios (Annual)
Figures in %.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Jan 2025 | Apr 2025 | Jul 2025 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Net Margin % | - | 32.4% | 28.3% | 28.2% | - | - | - | 30.6% |
| ROE % | - | 14.6% | 12.7% | 12.8% | - | - | - | 14.6% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Royal Bank of Canada | 5.06% | 70.22M | $14.28B |
| 2 | Bank of Montreal /CAN/ | 4.37% | 60.57M | $12.31B |
| 3 | Vanguard Capital Management LLC | 3.08% | 42.68M | $8.68B |
| 4 | FIL LTD | 1.69% | 23.49M | $4.78B |
| 5 | TD Asset Management, Inc | 1.66% | 22.97M | $4.67B |
| 6 | NORGES BANK | 1.44% | 19.91M | $4.05B |
| 7 | Mackenzie Financial Corporation | 1.34% | 18.64M | $3.79B |
| 8 | CIBC World Market, Inc. | 1.32% | 18.30M | $3.72B |
| 9 | FMR, LLC | 1.28% | 17.80M | $3.62B |
| 10 | 1832 Asset Management L.P. | 1.23% | 17.04M | $3.46B |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RY
Royal Bank Of Canada $RY Shares Sold by Amundi - marketbeat.com
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RY DCF Analysis: Intrinsic Value $175 vs Price $211 - gurufocus.com
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Royal Bank Of Canada (TSX:RY) Stock Looks Discounted On Fair Value While Earnings Look Full - finance.yahoo.com
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Royal Bank of Canada stock falls Friday, still outperforms market - MarketWatch
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Kelly Bradley Sells 5,142 Shares of Royal Bank of Canada (TSE:RY) Stock - marketbeat.com
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Is Royal Bank of Canada (TSX:RY) Still Attractively Priced After Its Strong Share Price Run - finance.yahoo.com
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RY — Frequently Asked Questions
What is the current share price of Royal Bank of Canada (RY)?
As of 2026-09-19 21:16 PDT, Royal Bank of Canada (RY) trades at $209.00 on NYSE. Its 52-week range is $134.18 to $216.57.
What is the market capitalisation of RY?
Royal Bank of Canada (RY) has a market capitalisation of $289.35B on NYSE.
What is the P/E ratio of RY?
RY trades at a trailing price-to-earnings (P/E) ratio of 18.37. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.91.
Does RY pay a dividend?
Royal Bank of Canada (RY) currently offers a dividend yield of 2.49%.
What is the return on equity (ROE) of RY?
RY has a return on equity (ROE) of 16.21%.
Is RY a good stock to buy?
This page provides a data-driven analysis of Royal Bank of Canada (RY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.