ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-O.CA) Stock Fundamental Analysis
TSX:RY-PR-O - Toronto Stock Exchange - CA78013K6016 - Currency: CAD
Taking everything into account, RY-PR-O scores 5 out of 10 in our fundamental rating. RY-PR-O was compared to 29 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.
RY-PR-O had a positive operating cash flow in the past year.
RY-PR-O had positive earnings in each of the past 5 years.
RY-PR-O had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.79%, RY-PR-O is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
RY-PR-O has a Return On Equity of 13.43%. This is amongst the best in the industry. RY-PR-O outperforms 93.10% 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
The Profit Margin of RY-PR-O (28.64%) is better than 72.41% of its industry peers.
In the last couple of years the Profit Margin of RY-PR-O has remained more or less at the same level.
RY-PR-O 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) | 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-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.
RY-PR-O has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, RY-PR-O has an improved debt to assets ratio.
2.2 Solvency
RY-PR-O has a debt to FCF ratio of 4.34. This is a neutral value as RY-PR-O would need 4.34 years to pay back of all of its debts.
RY-PR-O's Debt to FCF ratio of 4.34 is amongst the best of the industry. RY-PR-O outperforms 89.66% of its industry peers.
A Debt/Equity ratio of 2.57 is on the high side and indicates that RY-PR-O has dependencies on debt financing.
With a Debt to Equity ratio value of 2.57, RY-PR-O perfoms like the industry average, outperforming 44.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.57 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.45%
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.
RY-PR-O 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 16.54% in the past year. This is quite good.
The Revenue has been growing slightly by 4.51% on average over the past years.
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
The Earnings Per Share is expected to grow by 9.87% on average over the next years. This is quite good.
RY-PR-O is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.03% yearly.
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue Next Year12.09%
Revenue Next 2Y7.33%
Revenue Next 3Y6.03%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.91 indicates a rather cheap valuation of RY-PR-O.
Based on the Price/Earnings ratio, RY-PR-O is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.82, RY-PR-O is valued rather cheaply.
The Price/Forward Earnings ratio is 1.68, which indicates a rather cheap valuation of RY-PR-O.
93.10% of the companies in the same industry are more expensive than RY-PR-O, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of RY-PR-O to the average of the S&P500 Index (36.21), we can say RY-PR-O is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.91 | ||
| Fwd PE | 1.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-O is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.45 | ||
| 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)0.13
PEG (5Y)0.3
EPS Next 2Y10.75%
EPS Next 3Y9.87%
5. Dividend
5.1 Amount
RY-PR-O has a Yearly Dividend Yield of 3.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.51, RY-PR-O's dividend is way lower than its industry peers. On top of this 82.76% of the companies listed in the same industry pay a better dividend than RY-PR-O!
RY-PR-O's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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.
RY-PR-O 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
RY-PR-O pays out 47.48% 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.
DP47.48%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
ROYAL BANK OF CANADA - RY 4.9 PERP
TSX:RY-PR-O (7/31/2025, 7:00:00 PM)
24.95
-0.1 (-0.4%)
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 Cap35.19B
Analysts83.33
Price Target27.07 (8.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)3.11%
PT rev (3m)-1.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.91 | ||
| Fwd PE | 1.68 | ||
| 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
EY52.38%
EPS(NY)14.84
Fwd EY59.48%
FCF(TTM)55.89
FCFY224.02%
OCF(TTM)57.7
OCFY231.27%
SpS44.04
BVpS93.9
TBVpS74.89
PEG (NY)0.13
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
WACC15.45%
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 Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
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 2Y7.33%
Revenue Next 3Y6.03%
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%