ROYAL BANK OF CANADA - RY 3 PERP (RY-PR-M.CA) Stock Fundamental Analysis
TSX:RY-PR-M - Toronto Stock Exchange - CA78012T4708 - Currency: CAD
Taking everything into account, RY-PR-M scores 5 out of 10 in our fundamental rating. RY-PR-M was compared to 29 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on RY-PR-M.
1. Profitability
1.1 Basic Checks
RY-PR-M had positive earnings in the past year.
RY-PR-M had a positive operating cash flow in the past year.
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 a decent Return On Assets value of 0.79%, RY-PR-M is doing good in the industry, outperforming 75.86% of the companies in the same industry.
The Return On Equity of RY-PR-M (13.43%) is better than 96.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.43% | ||
| 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
The Profit Margin of RY-PR-M (28.64%) is better than 75.86% of its industry peers.
RY-PR-M's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.64% | ||
| 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.
The number of shares outstanding for RY-PR-M has been increased compared to 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 4.34, which is a neutral value as it means it would take RY-PR-M, 4.34 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.34, RY-PR-M belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
RY-PR-M has a Debt/Equity ratio of 2.57. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.57, RY-PR-M perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.57 | ||
| Debt/FCF | 4.34 | ||
| 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
The Earnings Per Share has grown by an nice 14.75% over the past year.
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.
The Revenue has grown by 16.54% in the past year. This is quite good.
The Revenue has been growing slightly by 4.51% on average over the past years.
EPS 1Y (TTM)14.75%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%6.85%
Revenue 1Y (TTM)16.54%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%10.72%
3.2 Future
The Earnings Per Share is expected to grow by 9.87% on average over the next years. This is quite good.
RY-PR-M 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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.92, which indicates a rather cheap valuation of RY-PR-M.
Based on the Price/Earnings ratio, RY-PR-M is valued cheaply inside the industry as 96.55% of the companies are valued more expensively.
RY-PR-M is valuated cheaply when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.69, the valuation of RY-PR-M can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RY-PR-M indicates a rather cheap valuation: RY-PR-M is cheaper than 96.55% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.06. RY-PR-M is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-M is valued cheaply inside the industry as 96.55% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.45 | ||
| 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%
5. Dividend
5.1 Amount
RY-PR-M has a Yearly Dividend Yield of 3.52%. 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 4.64.
RY-PR-M's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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
47.48% 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.
DP47.48%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
ROYAL BANK OF CANADA - RY 3 PERP
TSX:RY-PR-M (7/16/2025, 7:00:00 PM)
25.1
+0.1 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.26%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.40B
Analysts83.33
Price Target26.22 (4.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP47.48%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.43%
Min EPS beat(2)-4.92%
Max EPS beat(2)7.78%
EPS beat(4)2
Avg EPS beat(4)2.16%
Min EPS beat(4)-4.92%
Max EPS beat(4)7.78%
EPS beat(8)5
Avg EPS beat(8)1.88%
EPS beat(12)7
Avg EPS beat(12)0.31%
EPS beat(16)10
Avg EPS beat(16)0.99%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-3.31%
Max Revenue beat(2)4.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.11%
Min Revenue beat(4)-3.31%
Max Revenue beat(4)4.2%
Revenue beat(8)3
Avg Revenue beat(8)-0.01%
Revenue beat(12)4
Avg Revenue beat(12)-0.57%
Revenue beat(16)7
Avg Revenue beat(16)-0.4%
PT rev (1m)0%
PT rev (3m)-5.93%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.22%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.69 | ||
| P/S | 0.57 | ||
| P/FCF | 0.45 | ||
| P/OCF | 0.43 | ||
| P/B | 0.27 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.07
EY52.07%
EPS(NY)14.84
Fwd EY59.12%
FCF(TTM)55.89
FCFY222.68%
OCF(TTM)57.7
OCFY229.89%
SpS44.04
BVpS93.9
TBVpS74.89
PEG (NY)0.13
PEG (5Y)0.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.43% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.64% | ||
| GM | N/A | ||
| FCFM | 126.92% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 2.57 | ||
| Debt/FCF | 4.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 81.33% | ||
| Cap/Sales | 4.11% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 443.16% | ||
| 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)14.75%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%6.85%
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue 1Y (TTM)16.54%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%10.72%
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 1Y106.52%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y98.82%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%