ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-N - CA78013J4550
25.27 CAD
+0.07 (+0.28%)
RY-PR-N gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. There are concerns on the financial health of RY-PR-N while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on RY-PR-N.
1. Profitability
1.1 Basic Checks
RY-PR-N had positive earnings in the past year.
RY-PR-N had a positive operating cash flow in the past year.
RY-PR-N had positive earnings in each of the past 5 years.
RY-PR-N had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.84%, RY-PR-N is doing good in the industry, outperforming 73.08% of the companies in the same industry.
The Return On Equity of RY-PR-N (13.80%) is better than 73.08% 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-N has a Profit Margin of 29.01%. This is in the better half of the industry: RY-PR-N outperforms 73.08% of its industry peers.
In the last couple of years the Profit Margin of RY-PR-N has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for RY-PR-N so they could not be analyzed.
| 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-N does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RY-PR-N has more shares outstanding
Compared to 5 years ago, RY-PR-N has less shares outstanding
Compared to 1 year ago, RY-PR-N has an improved debt to assets ratio.
2.2 Solvency
RY-PR-N has a debt to FCF ratio of 3.86. This is a good value and a sign of high solvency as RY-PR-N would need 3.86 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.86, RY-PR-N belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
RY-PR-N has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.
RY-PR-N has a Debt to Equity ratio of 2.41. This is comparable to the rest of the industry: RY-PR-N outperforms 42.31% of its industry peers.
| 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
The Earnings Per Share has grown by an nice 15.58% over the past year.
RY-PR-N shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.36% yearly.
The Revenue has grown by 17.31% in the past year. This is quite good.
RY-PR-N shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.51% yearly.
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
The Earnings Per Share is expected to grow by 12.00% on average over the next years. This is quite good.
RY-PR-N is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.68% yearly.
EPS Next Y19.43%
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 5Y4.68%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 1.85, the valuation of RY-PR-N can be described as very cheap.
Based on the Price/Earnings ratio, RY-PR-N is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of RY-PR-N to the average of the S&P500 Index (26.91), we can say RY-PR-N is valued rather cheaply.
RY-PR-N is valuated cheaply with a Price/Forward Earnings ratio of 1.63.
92.31% of the companies in the same industry are more expensive than RY-PR-N, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. RY-PR-N is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.85 | ||
| Fwd PE | 1.63 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-N is valued cheaper than 92.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.42 | ||
| 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)0.1
PEG (5Y)0.29
EPS Next 2Y13.07%
EPS Next 3Y12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.99%, RY-PR-N has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.52, RY-PR-N's dividend is way lower than its industry peers. On top of this 80.77% of the companies listed in the same industry pay a better dividend than RY-PR-N!
Compared to an average S&P500 Dividend Yield of 2.32, RY-PR-N pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
5.2 History
The dividend of RY-PR-N has a limited annual growth rate of 2.34%.
RY-PR-N has paid a dividend for at least 10 years, which is a reliable track record.
RY-PR-N has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.34%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
46.12% of the earnings are spent on dividend by RY-PR-N. This is a bit on the high side, but may be sustainable.
The dividend of RY-PR-N 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 4.9 PERP
TSX:RY-PR-N (10/24/2025, 7:00:00 PM)
25.27
+0.07 (+0.28%)
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 Cap35.50B
Revenue(TTM)64.47B
Net Income(TTM)18.70B
Analysts82.61
Price Target26.84 (6.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP46.12%
Div Incr Years0
Div Non Decr Years9
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%
PT rev (3m)-0.85%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)5.69%
EPS NY rev (1m)0%
EPS NY rev (3m)4.36%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)2.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.85 | ||
| Fwd PE | 1.63 | ||
| P/S | 0.55 | ||
| P/FCF | 0.42 | ||
| P/OCF | 0.41 | ||
| P/B | 0.26 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.65
EY54.02%
EPS(NY)15.47
Fwd EY61.21%
FCF(TTM)60.36
FCFY238.86%
OCF(TTM)62.04
OCFY245.52%
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 Y19.43%
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 5Y4.68%
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 4.9 PERP / RY-PR-N.CA FAQ
What is the ChartMill fundamental rating of ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to RY-PR-N.CA.
What is the valuation status of ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) stock?
ChartMill assigns a valuation rating of 8 / 10 to ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA). This can be considered as Undervalued.
What is the profitability of RY-PR-N stock?
ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for RY-PR-N stock?
The Price/Earnings (PE) ratio for ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) is 1.85 and the Price/Book (PB) ratio is 0.26.
Is the dividend of ROYAL BANK OF CANADA - RY 4.9 PERP sustainable?
The dividend rating of ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) is 5 / 10 and the dividend payout ratio is 46.12%.