ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-O.CA) Stock Fundamental Analysis
TSX:RY-PR-O - CA78013K6016
25 CAD
-0.07 (-0.28%)
We assign a fundamental rating of 5 out of 10 to RY-PR-O. RY-PR-O was compared to 27 industry peers in the Banks industry. RY-PR-O has a medium profitability rating, but doesn't score so well on its financial health evaluation. RY-PR-O may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year RY-PR-O was profitable.
In the past year RY-PR-O had a positive cash flow from operations.
In the past 5 years RY-PR-O has always been profitable.
Each year in the past 5 years RY-PR-O had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.84%, RY-PR-O is doing good in the industry, outperforming 77.78% of the companies in the same industry.
The Return On Equity of RY-PR-O (13.80%) is better than 77.78% 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-O has a Profit Margin (29.01%) which is comparable to the rest of the industry.
RY-PR-O's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for RY-PR-O 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-O does not have a ROIC to compare to the WACC, probably because it is not profitable.
RY-PR-O has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RY-PR-O has been reduced compared to 5 years ago.
RY-PR-O has a better debt/assets ratio than last year.
2.2 Solvency
RY-PR-O has a debt to FCF ratio of 3.86. This is a good value and a sign of high solvency as RY-PR-O would need 3.86 years to pay back of all of its debts.
RY-PR-O's Debt to FCF ratio of 3.86 is amongst the best of the industry. RY-PR-O outperforms 92.59% of its industry peers.
RY-PR-O has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.
RY-PR-O has a Debt to Equity ratio of 2.41. This is comparable to the rest of the industry: RY-PR-O outperforms 48.15% 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-O shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.
The Earnings Per Share has been growing slightly by 6.36% on average over the past years.
Looking at the last year, RY-PR-O 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-O 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-O 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-O is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.07% yearly.
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
RY-PR-O is valuated cheaply with a Price/Earnings ratio of 1.83.
Based on the Price/Earnings ratio, RY-PR-O is valued cheaply inside the industry as 96.30% of the companies are valued more expensively.
RY-PR-O's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.90.
A Price/Forward Earnings ratio of 1.69 indicates a rather cheap valuation of RY-PR-O.
RY-PR-O's Price/Forward Earnings ratio is rather cheap when compared to the industry. RY-PR-O is cheaper than 96.30% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, RY-PR-O is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-O is valued cheaply inside the industry as 96.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-O'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-O has a Yearly Dividend Yield of 3.01%.
Compared to an average industry Dividend Yield of 3.64, RY-PR-O is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, RY-PR-O pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
5.2 History
The dividend of RY-PR-O has a limited annual growth rate of 2.34%.
RY-PR-O has paid a dividend for at least 10 years, which is a reliable track record.
As RY-PR-O 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-O 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-O 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-O (9/2/2025, 7:00:00 PM)
25
-0.07 (-0.28%)
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 Target26.22 (4.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
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)-3.14%
PT rev (3m)-1.47%
EPS NQ rev (1m)2.4%
EPS NQ rev (3m)3.28%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)1.17%
Revenue NQ rev (3m)3.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.83 | ||
| Fwd PE | 1.69 | ||
| 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
EY54.6%
EPS(NY)14.79
Fwd EY59.15%
FCF(TTM)60.12
FCFY240.5%
OCF(TTM)61.8
OCFY247.21%
SpS45.71
BVpS96.11
TBVpS77.15
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 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 1Y148.55%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y136.54%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%