ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) Fundamental Analysis & Valuation

TSX:RY-PR-M • CA78012T4708

Current stock price

24.98 CAD
-0.01 (-0.04%)
Last:

This RY-PR-M.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. RY-PR-M.CA Profitability Analysis

1.1 Basic Checks

  • In the past year RY-PR-M was profitable.
  • RY-PR-M had a positive operating cash flow in the past year.
  • Each year in the past 5 years RY-PR-M has been profitable.
  • In the past 5 years RY-PR-M always reported a positive cash flow from operatings.
RY-PR-M.CA Yearly Net Income VS EBIT VS OCF VS FCFRY-PR-M.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 2025 20B 40B 60B 80B 100B

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 RankSector 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
RY-PR-M.CA Yearly ROA, ROE, ROICRY-PR-M.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of RY-PR-M (29.83%) is better than 100.00% of its industry peers.
  • RY-PR-M's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for RY-PR-M so they could not be analyzed.
Industry RankSector 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
RY-PR-M.CA Yearly Profit, Operating, Gross MarginsRY-PR-M.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. RY-PR-M.CA Health Analysis

2.1 Basic Checks

  • RY-PR-M does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, RY-PR-M has less shares outstanding
  • Compared to 5 years ago, RY-PR-M has less shares outstanding
  • The debt/assets ratio for RY-PR-M has been reduced compared to a year ago.
RY-PR-M.CA Yearly Shares OutstandingRY-PR-M.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
RY-PR-M.CA Yearly Total Debt VS Total AssetsRY-PR-M.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • RY-PR-M has a debt to FCF ratio of 6.67. This is a slightly negative value and a sign of low solvency as RY-PR-M would need 6.67 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 6.67, RY-PR-M belongs to the best 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.
  • Looking at the Debt to Equity ratio, with a value of 2.53, RY-PR-M is in line with its industry, outperforming 52.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.53
Debt/FCF 6.67
Altman-Z N/A
ROIC/WACCN/A
WACC15.43%
RY-PR-M.CA Yearly LT Debt VS Equity VS FCFRY-PR-M.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RY-PR-M.CA Yearly Current Assets VS Current LiabilitesRY-PR-M.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

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

4

3. RY-PR-M.CA Growth Analysis

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.
  • RY-PR-M shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.15%.
  • RY-PR-M shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.14% yearly.
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.
  • Based on estimates for the next years, RY-PR-M will show a small growth in Revenue. The Revenue will grow by 2.45% on average per year.
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.
RY-PR-M.CA Yearly Revenue VS EstimatesRY-PR-M.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
RY-PR-M.CA Yearly EPS VS EstimatesRY-PR-M.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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8

4. RY-PR-M.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • RY-PR-M is valuated cheaply with a Price/Earnings ratio of 1.73.
  • Based on the Price/Earnings ratio, RY-PR-M is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.91. RY-PR-M is valued rather cheaply when compared to this.
  • RY-PR-M is valuated cheaply with a Price/Forward Earnings ratio of 1.59.
  • Based on the Price/Forward Earnings ratio, RY-PR-M is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, RY-PR-M is valued rather cheaply.
Industry RankSector Rank
PE 1.73
Fwd PE 1.59
RY-PR-M.CA Price Earnings VS Forward Price EarningsRY-PR-M.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-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 RankSector Rank
P/FCF 0.66
EV/EBITDA N/A
RY-PR-M.CA Per share dataRY-PR-M.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)0.19
PEG (5Y)0.14
EPS Next 2Y9.66%
EPS Next 3YN/A

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6

5. RY-PR-M.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.93%, RY-PR-M has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.36, RY-PR-M has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, RY-PR-M pays a better dividend.
Industry RankSector 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 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)7.08%
Div Incr Years0
Div Non Decr Years3
RY-PR-M.CA Yearly Dividends per shareRY-PR-M.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-M pays out 44.29% of its income as dividend. 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.
DP44.29%
EPS Next 2Y9.66%
EPS Next 3YN/A
RY-PR-M.CA Yearly Income VS Free CF VS DividendRY-PR-M.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B
RY-PR-M.CA Dividend Payout.RY-PR-M.CA Dividend Payout, showing the Payout Ratio.RY-PR-M.CA Dividend Payout.PayoutRetained Earnings

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RY-PR-M.CA Fundamentals: All Metrics, Ratios and Statistics

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)12-03
Earnings (Next)02-25
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 RankSector Rank
Dividend Yield 2.93%
Yearly Dividend6.25
Dividend Growth(5Y)7.08%
DP44.29%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis FAQ

What is the fundamental rating for RY-PR-M stock?

ChartMill assigns a fundamental rating of 5 / 10 to RY-PR-M.CA.


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

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.


What is the profitability of RY-PR-M stock?

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.


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

The dividend rating of ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) is 5 / 10 and the dividend payout ratio is 44.29%.