RY-PR-J Fundamental Analysis - ROYAL BANK OF CANADA - RY 3.2 PERP

Fundamental Rating

Overall RY-PR-J gets a fundamental rating of 4 out of 10. We evaluated RY-PR-J against 24 industry peers in the Banks industry. There are concerns on the financial health of RY-PR-J while its profitability can be described as average. RY-PR-J is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

1.1 Basic Checks

In the past year RY-PR-J was profitable.
RY-PR-J had a positive operating cash flow in the past year.
Each year in the past 5 years RY-PR-J has been profitable.
Each year in the past 5 years RY-PR-J had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 0.79%, RY-PR-J is doing good in 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 Rank	Sector 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

1.3 Margins

The Profit Margin of RY-PR-J (28.71%) is better than 66.67% of its industry peers.
RY-PR-J's Profit Margin has been stable in the last couple of years.
RY-PR-J does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
RY-PR-J has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, RY-PR-J has less shares outstanding
The debt/assets ratio for RY-PR-J has been reduced compared to a year ago.

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.
RY-PR-J has a better Debt to FCF ratio (6.24) than 80.00% of its industry peers.
RY-PR-J has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of RY-PR-J (2.51) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.51
Debt/FCF	6.24
Altman-Z	N/A

ROIC/WACCN/A

WACC15.53%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
Measured over the past 5 years, RY-PR-J shows a small growth in Earnings Per Share. The EPS has been growing by 6.36% on average per year.
Looking at the last year, RY-PR-J shows a small growth in Revenue. The Revenue has grown by 2.16% in the last year.
RY-PR-J shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.51% yearly.

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

The Earnings Per Share is expected to grow by 9.87% on average over the next years. This is quite good.
Based on estimates for the next years, RY-PR-J will show a small growth in Revenue. The Revenue will grow by 6.10% on average per year.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.92, which indicates a rather cheap valuation of RY-PR-J.
Compared to the rest of the industry, the Price/Earnings ratio of RY-PR-J indicates a rather cheap valuation: RY-PR-J is cheaper than 90.00% of the companies listed in the same industry.
RY-PR-J's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
With a Price/Forward Earnings ratio of 1.68, the valuation of RY-PR-J can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RY-PR-J indicates a rather cheap valuation: RY-PR-J is cheaper than 90.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.29. RY-PR-J is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	1.92
Fwd PE	1.68

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RY-PR-J is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.66
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

RY-PR-J has a Yearly Dividend Yield of 3.57%.
Compared to an average industry Dividend Yield of 3.33, RY-PR-J is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.85, RY-PR-J pays a better dividend.

		Industry Rank	Sector 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 paid a dividend for at least 10 years, which is 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

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.
The dividend of RY-PR-J is growing, but earnings are growing more, so the dividend growth is sustainable.

DP43.1%

EPS Next 2Y10.75%

EPS Next 3Y9.87%

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ROYAL BANK OF CANADA - RY 3.2 PERP

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

+0.01 (+0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-29 2025-05-29/bmo

Earnings (Next)08-26 2025-08-26/bmo

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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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%.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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?

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

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

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

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