ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) Stock Fundamental Analysis

TSX:RY-PR-J • CA78012Q1129

25 CAD
+0.01 (+0.04%)
Last: May 23, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, RY-PR-J scores 4 out of 10 in our fundamental rating. RY-PR-J was compared to 24 industry peers in the Banks industry. RY-PR-J has a medium profitability rating, but doesn't score so well on its financial health evaluation. RY-PR-J may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year RY-PR-J was profitable.
  • In the past year RY-PR-J had a positive cash flow from operations.
  • RY-PR-J had positive earnings in each of the past 5 years.
  • Each year in the past 5 years RY-PR-J had a positive operating cash flow.
RY-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFRY-PR-J.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.79%, RY-PR-J is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.06%, RY-PR-J is in line with its industry, outperforming 60.00% of the companies in the same industry.
Industry RankSector Rank
ROA 0.79%
ROE 13.06%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
RY-PR-J.CA Yearly ROA, ROE, ROICRY-PR-J.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • RY-PR-J has a Profit Margin of 28.71%. This is in the better half of the industry: RY-PR-J outperforms 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of RY-PR-J has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for RY-PR-J so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.41%
PM growth 5Y0.27%
GM growth 3YN/A
GM growth 5YN/A
RY-PR-J.CA Yearly Profit, Operating, Gross MarginsRY-PR-J.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • RY-PR-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for RY-PR-J has been increased compared to 1 year ago.
  • RY-PR-J has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RY-PR-J has been reduced compared to a year ago.
RY-PR-J.CA Yearly Shares OutstandingRY-PR-J.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
RY-PR-J.CA Yearly Total Debt VS Total AssetsRY-PR-J.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

  • The Debt to FCF ratio of RY-PR-J is 6.24, which is on the high side as it means it would take RY-PR-J, 6.24 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 6.24, RY-PR-J is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • A Debt/Equity ratio of 2.51 is on the high side and indicates that RY-PR-J has dependencies on debt financing.
  • RY-PR-J has a Debt to Equity ratio (2.51) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF 6.24
Altman-Z N/A
ROIC/WACCN/A
WACC15.53%
RY-PR-J.CA Yearly LT Debt VS Equity VS FCFRY-PR-J.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RY-PR-J.CA Yearly Current Assets VS Current LiabilitesRY-PR-J.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • RY-PR-J shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.05%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.36% on average over the past years.
  • RY-PR-J shows a small growth in Revenue. In the last year, the Revenue has grown by 2.16%.
  • The Revenue has been growing slightly by 4.51% on average over the past years.
EPS 1Y (TTM)14.05%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%4.14%
Revenue 1Y (TTM)2.16%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%7.68%

3.2 Future

  • RY-PR-J is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.87% yearly.
  • RY-PR-J is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.10% yearly.
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue Next Year12.21%
Revenue Next 2Y7.66%
Revenue Next 3Y6.1%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RY-PR-J.CA Yearly Revenue VS EstimatesRY-PR-J.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
RY-PR-J.CA Yearly EPS VS EstimatesRY-PR-J.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.92 indicates a rather cheap valuation of RY-PR-J.
  • 90.00% of the companies in the same industry are more expensive than RY-PR-J, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, RY-PR-J is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.68, the valuation of RY-PR-J can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, RY-PR-J is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
  • RY-PR-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.92
Fwd PE 1.68
RY-PR-J.CA Price Earnings VS Forward Price EarningsRY-PR-J.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • RY-PR-J's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RY-PR-J is cheaper than 90.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.66
EV/EBITDA N/A
RY-PR-J.CA Per share dataRY-PR-J.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.13
PEG (5Y)0.3
EPS Next 2Y10.75%
EPS Next 3Y9.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • RY-PR-J has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.03, RY-PR-J is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, RY-PR-J pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • The dividend of RY-PR-J has a limited annual growth rate of 2.34%.
  • RY-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
  • RY-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.34%
Div Incr Years0
Div Non Decr Years3
RY-PR-J.CA Yearly Dividends per shareRY-PR-J.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • RY-PR-J pays out 43.10% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • RY-PR-J's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.1%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
RY-PR-J.CA Yearly Income VS Free CF VS DividendRY-PR-J.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B
RY-PR-J.CA Dividend Payout.RY-PR-J.CA Dividend Payout, showing the Payout Ratio.RY-PR-J.CA Dividend Payout.PayoutRetained Earnings

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ROYAL BANK OF CANADA - RY 3.2 PERP

TSX:RY-PR-J (5/23/2025, 7:00:00 PM)

25

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-29
Earnings (Next)08-26
Inst Owners51.32%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.36B
Revenue(TTM)57.34B
Net Income(TTM)17.40B
Analysts84.17
Price Target27.11 (8.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend4.71
Dividend Growth(5Y)2.34%
DP43.1%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.43%
Min EPS beat(2)-0.92%
Max EPS beat(2)7.78%
EPS beat(4)3
Avg EPS beat(4)4.14%
Min EPS beat(4)-0.92%
Max EPS beat(4)7.78%
EPS beat(8)5
Avg EPS beat(8)1.54%
EPS beat(12)8
Avg EPS beat(12)1.47%
EPS beat(16)11
Avg EPS beat(16)1.87%
Revenue beat(2)1
Avg Revenue beat(2)1.99%
Min Revenue beat(2)-0.22%
Max Revenue beat(2)4.2%
Revenue beat(4)2
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-1.13%
Max Revenue beat(4)4.2%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.07%
Revenue beat(16)8
Avg Revenue beat(16)0.46%
PT rev (1m)-3.61%
PT rev (3m)1.98%
EPS NQ rev (1m)2.85%
EPS NQ rev (3m)0.03%
EPS NY rev (1m)0%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)3.73%
Valuation
Industry RankSector Rank
PE 1.92
Fwd PE 1.68
P/S 0.58
P/FCF 0.66
P/OCF 0.63
P/B 0.27
P/tB 0.33
EV/EBITDA N/A
EPS(TTM)12.99
EY51.96%
EPS(NY)14.84
Fwd EY59.36%
FCF(TTM)37.8
FCFY151.18%
OCF(TTM)39.55
OCFY158.19%
SpS42.84
BVpS94.15
TBVpS74.86
PEG (NY)0.13
PEG (5Y)0.3
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 13.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.71%
GM N/A
FCFM 88.22%
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.41%
PM growth 5Y0.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF 6.24
Debt/EBITDA N/A
Cap/Depr 80.46%
Cap/Sales 4.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 307.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.53%
ROIC/WACCN/A
Cap/Depr(3y)88.62%
Cap/Depr(5y)89.9%
Cap/Sales(3y)4.65%
Cap/Sales(5y)4.78%
Profit Quality(3y)138.62%
Profit Quality(5y)401.74%
High Growth Momentum
Growth
EPS 1Y (TTM)14.05%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%4.14%
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue 1Y (TTM)2.16%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%7.68%
Revenue Next Year12.21%
Revenue Next 2Y7.66%
Revenue Next 3Y6.1%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y85.88%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y78.33%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%

ROYAL BANK OF CANADA - RY 3.2 PERP / RY-PR-J.CA FAQ

What is the ChartMill fundamental rating of ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RY-PR-J.CA.


What is the valuation status for RY-PR-J stock?

ChartMill assigns a valuation rating of 8 / 10 to ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA). This can be considered as Undervalued.


How profitable is ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) stock?

ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) has a profitability rating of 4 / 10.


How financially healthy is ROYAL BANK OF CANADA - RY 3.2 PERP?

The financial health rating of ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) is 2 / 10.


Can you provide the dividend sustainability for RY-PR-J stock?

The dividend rating of ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) is 5 / 10 and the dividend payout ratio is 43.1%.