ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-N - CA78013J4550
25.08 CAD
-0.02 (-0.08%)
Taking everything into account, RY-PR-N scores 5 out of 10 in our fundamental rating. RY-PR-N was compared to 26 industry peers in the Banks industry. RY-PR-N has a medium profitability rating, but doesn't score so well on its financial health evaluation. RY-PR-N is valued quite cheap, while showing a decent growth score. This is a good combination! RY-PR-N also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RY-PR-N was profitable.
In the past year RY-PR-N had a positive cash flow from operations.
Each year in the past 5 years RY-PR-N has been profitable.
RY-PR-N had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of RY-PR-N (0.84%) is better than 76.92% of its industry peers.
RY-PR-N's Return On Equity of 13.80% is fine compared to the rest of the industry. RY-PR-N outperforms 76.92% 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's Profit Margin of 29.01% is fine compared to the rest of the industry. RY-PR-N outperforms 76.92% 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
The number of shares outstanding for RY-PR-N has been reduced compared to 5 years ago.
RY-PR-N has a better debt/assets ratio than last year.
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.
RY-PR-N's Debt to FCF ratio of 3.86 is amongst the best of the industry. RY-PR-N outperforms 92.31% of its industry peers.
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 46.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.41 | ||
| Debt/FCF | 3.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RY-PR-N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.
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.
Looking at the last year, RY-PR-N 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-N 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-N is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.58% yearly.
RY-PR-N is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.35% yearly.
EPS Next Y13.24%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
EPS Next 5YN/A
Revenue Next Year15.03%
Revenue Next 2Y8.87%
Revenue Next 3Y6.95%
Revenue Next 5Y4.35%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 1.84, which indicates a rather cheap valuation of RY-PR-N.
Based on the Price/Earnings ratio, RY-PR-N is valued cheaply inside the industry as 96.15% 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 (27.38), we can say RY-PR-N is valued rather cheaply.
RY-PR-N is valuated cheaply with a Price/Forward Earnings ratio of 1.70.
96.15% 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 22.86. RY-PR-N is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.84 | ||
| Fwd PE | 1.7 |
4.2 Price Multiples
96.15% of the companies in the same industry are more expensive than RY-PR-N, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-N's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.14
PEG (5Y)0.29
EPS Next 2Y10.55%
EPS Next 3Y10.58%
5. Dividend
5.1 Amount
RY-PR-N has a Yearly Dividend Yield of 4.88%, which is a nice return.
RY-PR-N's Dividend Yield is a higher than the industry average which is at 4.25.
RY-PR-N's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
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.
As RY-PR-N did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)2.34%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
RY-PR-N pays out 46.12% of its income as dividend. 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 2Y10.55%
EPS Next 3Y10.58%
ROYAL BANK OF CANADA - RY 4.9 PERP
TSX:RY-PR-N (9/19/2025, 7:00:00 PM)
25.08
-0.02 (-0.08%)
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 Cap35.24B
Analysts83.48
Price Target26.84 (7.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
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)-1.29%
PT rev (3m)3.07%
EPS NQ rev (1m)5.15%
EPS NQ rev (3m)6.17%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)1.98%
Revenue NQ rev (3m)4.35%
Revenue NY rev (1m)2.63%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.84 | ||
| Fwd PE | 1.7 | ||
| P/S | 0.55 | ||
| P/FCF | 0.42 | ||
| P/OCF | 0.4 | ||
| P/B | 0.26 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.65
EY54.43%
EPS(NY)14.79
Fwd EY58.96%
FCF(TTM)60.36
FCFY240.67%
OCF(TTM)62.04
OCFY247.38%
SpS45.89
BVpS96.49
TBVpS77.45
PEG (NY)0.14
PEG (5Y)0.29
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
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 | 2.41 | ||
| 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
WACC15.46%
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 Y13.24%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
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 5Y4.35%
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%