ROYAL BANK OF CANADA - RY 4.9 PERP (RY-PR-O.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-O - CA78013K6016
25.1 CAD
0 (0%)
Taking everything into account, RY-PR-O scores 5 out of 10 in our fundamental rating. RY-PR-O was compared to 26 industry peers in the Banks industry. While RY-PR-O is still in line with the averages on profitability rating, there are concerns on its financial health. RY-PR-O may be a bit undervalued, certainly considering the very reasonable score on growth Finally RY-PR-O also has an excellent dividend rating.
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.
RY-PR-O had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RY-PR-O's Return On Assets of 0.84% is fine compared to the rest of the industry. RY-PR-O outperforms 76.92% of its industry peers.
With a decent Return On Equity value of 13.80%, RY-PR-O is doing good in the industry, outperforming 76.92% 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-O has a better Profit Margin (29.01%) than 76.92% of its industry peers.
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.
Compared to 1 year ago, RY-PR-O has more shares outstanding
RY-PR-O has less shares outstanding than it did 5 years ago.
The debt/assets ratio for RY-PR-O has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RY-PR-O is 3.86, which is a good value as it means it would take RY-PR-O, 3.86 years of fcf income to pay off all of its debts.
RY-PR-O has a Debt to FCF ratio of 3.86. This is amongst the best in the industry. RY-PR-O outperforms 92.31% of its industry peers.
A Debt/Equity ratio of 2.41 is on the high side and indicates that RY-PR-O has dependencies on debt financing.
RY-PR-O has a Debt to Equity ratio (2.41) which is in line with 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
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.
The Revenue has grown by 17.31% in the past year. This is quite good.
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.
The Revenue is expected to grow by 4.35% on average over the next years.
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.
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
RY-PR-O is valuated cheaply with a Price/Earnings ratio of 1.84.
Based on the Price/Earnings ratio, RY-PR-O is valued cheaper than 96.15% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. RY-PR-O is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 1.70, the valuation of RY-PR-O can be described as very cheap.
RY-PR-O's Price/Forward Earnings ratio is rather cheap when compared to the industry. RY-PR-O is cheaper than 96.15% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RY-PR-O to the average of the S&P500 Index (22.64), we can say RY-PR-O is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.84 | ||
| Fwd PE | 1.7 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RY-PR-O indicates a rather cheap valuation: RY-PR-O is cheaper than 96.15% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.42 | ||
| 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)0.29
EPS Next 2Y10.55%
EPS Next 3Y10.58%
5. Dividend
5.1 Amount
RY-PR-O has a Yearly Dividend Yield of 4.88%, which is a nice return.
RY-PR-O's Dividend Yield is a higher than the industry average which is at 4.04.
RY-PR-O'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-O has a limited annual growth rate of 2.34%.
RY-PR-O has been paying a dividend for at least 10 years, so it has 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
46.12% of the earnings are spent on dividend by RY-PR-O. 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 (9/25/2025, 7:00:00 PM)
25.1
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 Cap35.27B
Analysts83.48
Price Target26.85 (6.97%)
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)-0.81%
PT rev (3m)2.28%
EPS NQ rev (1m)4.25%
EPS NQ rev (3m)6.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)1.63%
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
EY54.38%
EPS(NY)14.79
Fwd EY58.91%
FCF(TTM)60.36
FCFY240.48%
OCF(TTM)62.04
OCFY247.19%
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%