ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-M - CA78012T4708
24.98 CAD
+0.02 (+0.08%)
We assign a fundamental rating of 5 out of 10 to RY-PR-M. RY-PR-M was compared to 25 industry peers in the Banks industry. While RY-PR-M is still in line with the averages on profitability rating, there are concerns on its financial health. RY-PR-M may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
RY-PR-M had positive earnings in the past year.
In the past year RY-PR-M had a positive cash flow from operations.
In the past 5 years RY-PR-M has always been profitable.
Each year in the past 5 years RY-PR-M had a positive operating cash flow.
1.2 Ratios
RY-PR-M has a better Return On Assets (0.84%) than 80.77% of its industry peers.
The Return On Equity of RY-PR-M (13.80%) is better than 80.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 13.8% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.77%
ROE(3y)13.13%
ROE(5y)13.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RY-PR-M has a better Profit Margin (29.01%) than 80.77% of its industry peers.
RY-PR-M's Profit Margin has been stable in the last couple of years.
RY-PR-M 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) | 29.01% | ||
| 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
2. Health
2.1 Basic Checks
RY-PR-M does not have a ROIC to compare to the WACC, probably because it is not profitable.
RY-PR-M has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RY-PR-M has been reduced compared to 5 years ago.
The debt/assets ratio for RY-PR-M has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RY-PR-M is 3.86, which is a good value as it means it would take RY-PR-M, 3.86 years of fcf income to pay off all of its debts.
RY-PR-M has a better Debt to FCF ratio (3.86) than 96.15% of its industry peers.
A Debt/Equity ratio of 2.41 is on the high side and indicates that RY-PR-M has dependencies on debt financing.
RY-PR-M has a Debt to Equity ratio (2.41) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.41 | ||
| Debt/FCF | 3.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RY-PR-M shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.
Measured over the past 5 years, RY-PR-M 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-M shows a quite strong growth in Revenue. The Revenue has grown by 17.31% in the last year.
Measured over the past years, RY-PR-M shows a small growth in Revenue. The Revenue has been growing by 4.51% on average per year.
EPS 1Y (TTM)15.58%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%17.79%
Revenue 1Y (TTM)17.31%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%16.09%
3.2 Future
RY-PR-M is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.00% yearly.
The Revenue is expected to grow by 4.83% on average over the next years.
EPS Next Y19.05%
EPS Next 2Y13.07%
EPS Next 3Y12%
EPS Next 5YN/A
Revenue Next Year15.03%
Revenue Next 2Y8.87%
Revenue Next 3Y6.95%
Revenue Next 5Y4.83%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.83 indicates a rather cheap valuation of RY-PR-M.
100.00% of the companies in the same industry are more expensive than RY-PR-M, based on the Price/Earnings ratio.
RY-PR-M is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.61, the valuation of RY-PR-M can be described as very cheap.
RY-PR-M's Price/Forward Earnings ratio is rather cheap when compared to the industry. RY-PR-M is cheaper than 100.00% of the companies in the same industry.
RY-PR-M's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.61 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-M is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-M's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.1
PEG (5Y)0.29
EPS Next 2Y13.07%
EPS Next 3Y12%
5. Dividend
5.1 Amount
RY-PR-M has a Yearly Dividend Yield of 3.00%. Purely for dividend investing, there may be better candidates out there.
RY-PR-M's Dividend Yield is slightly below the industry average, which is at 4.38.
RY-PR-M's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
5.2 History
The dividend of RY-PR-M has a limited annual growth rate of 2.34%.
RY-PR-M has been paying a dividend for at least 10 years, so it has a reliable track record.
RY-PR-M 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
46.12% of the earnings are spent on dividend by RY-PR-M. This is a bit on the high side, but may be sustainable.
The dividend of RY-PR-M is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.12%
EPS Next 2Y13.07%
EPS Next 3Y12%
ROYAL BANK OF CANADA - RY 3 PERP
TSX:RY-PR-M (11/7/2025, 7:00:00 PM)
24.98
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.06%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.10B
Revenue(TTM)64.47B
Net Income(TTM)18.70B
Analysts82.61
Price Target26.37 (5.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP46.12%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.68%
Min EPS beat(2)-4.92%
Max EPS beat(2)12.29%
EPS beat(4)2
Avg EPS beat(4)3.56%
Min EPS beat(4)-4.92%
Max EPS beat(4)12.29%
EPS beat(8)5
Avg EPS beat(8)3.19%
EPS beat(12)8
Avg EPS beat(12)1.9%
EPS beat(16)10
Avg EPS beat(16)1.3%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-3.31%
Max Revenue beat(2)2.86%
Revenue beat(4)2
Avg Revenue beat(4)0.89%
Min Revenue beat(4)-3.31%
Max Revenue beat(4)4.2%
Revenue beat(8)3
Avg Revenue beat(8)-0.42%
Revenue beat(12)5
Avg Revenue beat(12)-0.09%
Revenue beat(16)7
Avg Revenue beat(16)-0.54%
PT rev (1m)-0.29%
PT rev (3m)-2.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.69%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)4.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.61 | ||
| P/S | 0.54 | ||
| P/FCF | 0.41 | ||
| P/OCF | 0.4 | ||
| P/B | 0.26 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.65
EY54.64%
EPS(NY)15.47
Fwd EY61.92%
FCF(TTM)60.36
FCFY241.64%
OCF(TTM)62.04
OCFY248.37%
SpS45.89
BVpS96.49
TBVpS77.45
PEG (NY)0.1
PEG (5Y)0.29
Graham Number172.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 13.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.01% | ||
| GM | N/A | ||
| FCFM | 131.54% |
ROA(3y)0.75%
ROA(5y)0.77%
ROE(3y)13.13%
ROE(5y)13.65%
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.41 | ||
| Debt/FCF | 3.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 75.25% | ||
| Cap/Sales | 3.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 453.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.44%
ROIC/WACCN/A
Cap/Depr(3y)88.62%
Cap/Depr(5y)89.9%
Cap/Sales(3y)4.79%
Cap/Sales(5y)4.87%
Profit Quality(3y)139.56%
Profit Quality(5y)402.31%
High Growth Momentum
Growth
EPS 1Y (TTM)15.58%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%17.79%
EPS Next Y19.05%
EPS Next 2Y13.07%
EPS Next 3Y12%
EPS Next 5YN/A
Revenue 1Y (TTM)17.31%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%16.09%
Revenue Next Year15.03%
Revenue Next 2Y8.87%
Revenue Next 3Y6.95%
Revenue Next 5Y4.83%
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 1Y148.55%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y136.54%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%
ROYAL BANK OF CANADA - RY 3 PERP / RY-PR-M.CA FAQ
What is the fundamental rating for RY-PR-M stock?
ChartMill assigns a fundamental rating of 5 / 10 to RY-PR-M.CA.
Can you provide the valuation status for ROYAL BANK OF CANADA - RY 3 PERP?
ChartMill assigns a valuation rating of 8 / 10 to ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA). This can be considered as Undervalued.
Can you provide the profitability details for ROYAL BANK OF CANADA - RY 3 PERP?
ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) stock?
The Price/Earnings (PE) ratio for ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) is 1.83 and the Price/Book (PB) ratio is 0.26.
What is the expected EPS growth for ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) stock?
The Earnings per Share (EPS) of ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) is expected to grow by 19.05% in the next year.