ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:RY-PR-M - CA78012T4708
24.98 CAD
-0.01 (-0.04%)
Overall RY-PR-M gets a fundamental rating of 5 out of 10. We evaluated RY-PR-M against 24 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.
RY-PR-M had positive earnings in each of the past 5 years.
RY-PR-M had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 0.85%, RY-PR-M belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
RY-PR-M has a better Return On Equity (14.28%) than 84.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 14.28% | ||
| ROIC | N/A |
ROA(3y)0.77%
ROA(5y)0.81%
ROE(3y)13.1%
ROE(5y)13.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 29.83%, RY-PR-M belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
RY-PR-M's Profit Margin has improved 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) | 29.83% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.05%
PM growth 5Y4.74%
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.
The number of shares outstanding for RY-PR-M has been reduced compared to 1 year ago.
Compared to 5 years ago, RY-PR-M has less shares outstanding
RY-PR-M has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of RY-PR-M is 6.67, which is on the high side as it means it would take RY-PR-M, 6.67 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.67, RY-PR-M belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
A Debt/Equity ratio of 2.53 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 (2.53) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.53 | ||
| Debt/FCF | 6.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.43%
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 19.26%, which is quite good.
RY-PR-M shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.61% yearly.
Looking at the last year, RY-PR-M shows a quite strong growth in Revenue. The Revenue has grown by 16.15% in the last year.
Measured over the past years, RY-PR-M shows a small growth in Revenue. The Revenue has been growing by 7.14% on average per year.
EPS 1Y (TTM)19.26%
EPS 3Y8.81%
EPS 5Y12.61%
EPS Q2Q%25.41%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y10.79%
Revenue growth 5Y7.14%
Sales Q2Q%14.16%
3.2 Future
Based on estimates for the next years, RY-PR-M will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.66% on average per year.
RY-PR-M is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.45% yearly.
EPS Next Y8.92%
EPS Next 2Y9.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.51%
Revenue Next 2Y3.76%
Revenue Next 3Y2.12%
Revenue Next 5Y2.45%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.73, which 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.
Compared to an average S&P500 Price/Earnings ratio of 26.34, RY-PR-M is valued rather cheaply.
RY-PR-M is valuated cheaply with a Price/Forward Earnings ratio of 1.59.
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.
When comparing the Price/Forward Earnings ratio of RY-PR-M to the average of the S&P500 Index (23.56), we can say RY-PR-M is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.73 | ||
| Fwd PE | 1.59 |
4.2 Price Multiples
RY-PR-M's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RY-PR-M is cheaper than 100.00% of the companies in the same industry.
| 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)0.19
PEG (5Y)0.14
EPS Next 2Y9.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RY-PR-M has a Yearly Dividend Yield of 2.93%.
RY-PR-M's Dividend Yield is comparable with the industry average which is at 3.19.
Compared to an average S&P500 Dividend Yield of 2.31, RY-PR-M pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
5.2 History
The dividend of RY-PR-M is nicely growing with an annual growth rate of 7.08%!
RY-PR-M has paid a dividend for at least 10 years, which is a reliable track record.
RY-PR-M has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.08%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
44.29% of the earnings are spent on dividend by RY-PR-M. This is a bit on the high side, but may be sustainable.
RY-PR-M's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP44.29%
EPS Next 2Y9.66%
EPS Next 3YN/A
ROYAL BANK OF CANADA - RY 3 PERP
TSX:RY-PR-M (11/24/2025, 7:00:00 PM)
24.98
-0.01 (-0.04%)
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 Cap34.97B
Revenue(TTM)66.61B
Net Income(TTM)19.87B
Analysts81.74
Price Target26.52 (6.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
Yearly Dividend6.25
Dividend Growth(5Y)7.08%
DP44.29%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.15%
Min EPS beat(2)6.02%
Max EPS beat(2)12.29%
EPS beat(4)3
Avg EPS beat(4)5.29%
Min EPS beat(4)-4.92%
Max EPS beat(4)12.29%
EPS beat(8)5
Avg EPS beat(8)3.59%
EPS beat(12)8
Avg EPS beat(12)2.35%
EPS beat(16)11
Avg EPS beat(16)2.06%
Revenue beat(2)2
Avg Revenue beat(2)1.6%
Min Revenue beat(2)0.34%
Max Revenue beat(2)2.86%
Revenue beat(4)3
Avg Revenue beat(4)1.03%
Min Revenue beat(4)-3.31%
Max Revenue beat(4)4.2%
Revenue beat(8)4
Avg Revenue beat(8)0.19%
Revenue beat(12)6
Avg Revenue beat(12)0.08%
Revenue beat(16)7
Avg Revenue beat(16)-0.53%
PT rev (1m)2.56%
PT rev (3m)-1.29%
EPS NQ rev (1m)2.46%
EPS NQ rev (3m)4.13%
EPS NY rev (1m)1.6%
EPS NY rev (3m)6.28%
Revenue NQ rev (1m)3.05%
Revenue NQ rev (3m)3.16%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)3.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.73 | ||
| Fwd PE | 1.59 | ||
| P/S | 0.53 | ||
| P/FCF | 0.66 | ||
| P/OCF | 0.63 | ||
| P/B | 0.25 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.43
EY57.77%
EPS(NY)15.72
Fwd EY62.92%
FCF(TTM)37.84
FCFY151.47%
OCF(TTM)39.44
OCFY157.89%
SpS47.57
BVpS99.34
TBVpS80.2
PEG (NY)0.19
PEG (5Y)0.14
Graham Number179.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.83% | ||
| GM | N/A | ||
| FCFM | 79.54% |
ROA(3y)0.77%
ROA(5y)0.81%
ROE(3y)13.1%
ROE(5y)13.93%
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-2.05%
PM growth 5Y4.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.53 | ||
| Debt/FCF | 6.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 72.85% | ||
| Cap/Sales | 3.37% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 266.65% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.43%
ROIC/WACCN/A
Cap/Depr(3y)81.48%
Cap/Depr(5y)84.61%
Cap/Sales(3y)4.22%
Cap/Sales(5y)4.43%
Profit Quality(3y)186.75%
Profit Quality(5y)211.66%
High Growth Momentum
Growth
EPS 1Y (TTM)19.26%
EPS 3Y8.81%
EPS 5Y12.61%
EPS Q2Q%25.41%
EPS Next Y8.92%
EPS Next 2Y9.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.15%
Revenue growth 3Y10.79%
Revenue growth 5Y7.14%
Sales Q2Q%14.16%
Revenue Next Year3.51%
Revenue Next 2Y3.76%
Revenue Next 3Y2.12%
Revenue Next 5Y2.45%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y153.98%
FCF growth 3Y39.67%
FCF growth 5Y-17.21%
OCF growth 1Y138.65%
OCF growth 3Y36.02%
OCF growth 5Y-16.84%
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 1.73 and the Price/Book (PB) ratio is 0.25.
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 8.92% in the next year.