ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-N.CA) Stock Fundamental Analysis
TSX:RY-PR-N - CA78013J4550
25 CAD
0 (0%)
Overall RY-PR-N gets a fundamental rating of 5 out of 10. We evaluated RY-PR-N against 27 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.
RY-PR-N had positive earnings in each of the past 5 years.
In the past 5 years RY-PR-N always reported a positive cash flow from operatings.
1.2 Ratios
RY-PR-N has a Return On Assets of 0.79%. This is in the better half of the industry: RY-PR-N outperforms 74.07% of its industry peers.
RY-PR-N has a Return On Equity of 13.43%. This is amongst the best in the industry. RY-PR-N outperforms 92.59% 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
With a decent Profit Margin value of 28.64%, RY-PR-N is doing good in the industry, outperforming 70.37% of the companies in the same industry.
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) | 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-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.
The debt/assets ratio for RY-PR-N has been reduced compared to a year ago.
2.2 Solvency
RY-PR-N has a debt to FCF ratio of 4.34. This is a neutral value as RY-PR-N would need 4.34 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.34, RY-PR-N belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
A Debt/Equity ratio of 2.57 is on the high side and indicates that RY-PR-N has dependencies on debt financing.
RY-PR-N has a Debt to Equity ratio of 2.57. This is comparable to the rest of the industry: RY-PR-N outperforms 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.57 | ||
| Debt/FCF | 4.34 | ||
| 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
The Earnings Per Share has grown by an nice 14.75% over the past year.
The Earnings Per Share has been growing slightly by 6.36% on average over the past years.
RY-PR-N shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.54%.
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)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
Based on estimates for the next years, RY-PR-N will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.58% on average per year.
The Revenue is expected to grow by 6.07% on average over the next years.
EPS Next Y13.24%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
EPS Next 5YN/A
Revenue Next Year12.09%
Revenue Next 2Y7.4%
Revenue Next 3Y6.07%
Revenue Next 5YN/A
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 1.91, the valuation of RY-PR-N can be described as very cheap.
92.59% of the companies in the same industry are more expensive than RY-PR-N, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.08. RY-PR-N is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 1.69, the valuation of RY-PR-N can be described as very cheap.
Based on the Price/Forward Earnings ratio, RY-PR-N is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of RY-PR-N to the average of the S&P500 Index (22.67), we can say RY-PR-N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.91 | ||
| Fwd PE | 1.69 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RY-PR-N indicates a rather cheap valuation: RY-PR-N is cheaper than 92.59% of the companies listed in the same industry.
| 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)0.14
PEG (5Y)0.3
EPS Next 2Y10.55%
EPS Next 3Y10.58%
5. Dividend
5.1 Amount
RY-PR-N has a Yearly Dividend Yield of 4.92%, which is a nice return.
Compared to an average industry Dividend Yield of 4.93, RY-PR-N has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, RY-PR-N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
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
47.48% of the earnings are spent on dividend by RY-PR-N. This is a bit on the high side, but may be sustainable.
RY-PR-N's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.48%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
ROYAL BANK OF CANADA - RY 4.9 PERP
TSX:RY-PR-N (8/22/2025, 7:00:00 PM)
25
0 (0%)
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 Cap35.26B
Analysts83.33
Price Target26.12 (4.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP47.48%
Div Incr Years0
Div Non Decr Years9
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)-3.53%
PT rev (3m)-1.86%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)0.16%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.91 | ||
| Fwd PE | 1.69 | ||
| P/S | 0.57 | ||
| P/FCF | 0.45 | ||
| P/OCF | 0.43 | ||
| P/B | 0.27 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.07
EY52.28%
EPS(NY)14.79
Fwd EY59.15%
FCF(TTM)55.89
FCFY223.57%
OCF(TTM)57.7
OCFY230.81%
SpS44.04
BVpS93.9
TBVpS74.89
PEG (NY)0.14
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
WACC15.46%
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)14.75%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%6.85%
EPS Next Y13.24%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
EPS Next 5YN/A
Revenue 1Y (TTM)16.54%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%10.72%
Revenue Next Year12.09%
Revenue Next 2Y7.4%
Revenue Next 3Y6.07%
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%