ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-N - CA78013J4550
24.97 CAD
+0.01 (+0.04%)
RY-PR-N gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 25 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
Each year in the past 5 years RY-PR-N had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.84%, RY-PR-N is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
With a decent Return On Equity value of 13.80%, RY-PR-N is doing good in the industry, outperforming 80.00% of the companies in the same industry.
| 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 80.00% 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.
RY-PR-N 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) | 29.01% | ||
| 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
The debt/assets ratio for RY-PR-N has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RY-PR-N is 3.86, which is a good value as it means it would take RY-PR-N, 3.86 years of fcf income to pay off 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 92.00% 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.
Looking at the Debt to Equity ratio, with a value of 2.41, RY-PR-N is in line with its industry, outperforming 48.00% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing slightly by 6.36% on average over the past years.
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.
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
RY-PR-N is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.00% yearly.
The Revenue is expected to grow by 4.83% on average over the next years.
EPS Next Y19.05%
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 5Y4.83%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 1.83, the valuation of RY-PR-N can be described as very cheap.
96.00% of the companies in the same industry are more expensive than RY-PR-N, based on the Price/Earnings ratio.
RY-PR-N is valuated cheaply when we compare the Price/Earnings ratio to 25.56, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.61, the valuation of RY-PR-N can be described as very cheap.
96.00% 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 34.62. RY-PR-N is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.61 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-N is valued cheaply inside the industry as 96.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.41 | ||
| 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 4.43, RY-PR-N is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, 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.
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
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 (11/17/2025, 7:00:00 PM)
24.97
+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 Cap35.08B
Revenue(TTM)64.47B
Net Income(TTM)18.70B
Analysts82.61
Price Target26.39 (5.69%)
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)-1.67%
PT rev (3m)-2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.57%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)4.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.61 | ||
| P/S | 0.54 | ||
| P/FCF | 0.41 | ||
| P/OCF | 0.4 | ||
| P/B | 0.26 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.65
EY54.67%
EPS(NY)15.47
Fwd EY61.95%
FCF(TTM)60.36
FCFY241.73%
OCF(TTM)62.04
OCFY248.47%
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 Y19.05%
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 5Y4.83%
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 5 / 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 1.83 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%.