ROYAL BANK OF CANADA - RY 5.885 PERP (RY-PR-S.CA) Stock Fundamental Analysis
Canada - TSX:RY-PR-S - CA78013R3909
26.27 CAD
+0.05 (+0.19%)
We assign a fundamental rating of 5 out of 10 to RY-PR-S. RY-PR-S was compared to 26 industry peers in the Banks industry. While RY-PR-S is still in line with the averages on profitability rating, there are concerns on its financial health. RY-PR-S scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year RY-PR-S was profitable.
RY-PR-S had a positive operating cash flow in the past year.
In the past 5 years RY-PR-S has always been profitable.
RY-PR-S had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of RY-PR-S (0.84%) is better than 69.23% of its industry peers.
RY-PR-S's Return On Equity of 13.80% is fine compared to the rest of the industry. RY-PR-S outperforms 69.23% 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
The Profit Margin of RY-PR-S (29.01%) is better than 69.23% of its industry peers.
RY-PR-S's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for RY-PR-S 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-S does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RY-PR-S has been increased compared to 1 year ago.
Compared to 5 years ago, RY-PR-S has less shares outstanding
The debt/assets ratio for RY-PR-S has been reduced compared to a year ago.
2.2 Solvency
RY-PR-S has a debt to FCF ratio of 3.86. This is a good value and a sign of high solvency as RY-PR-S would need 3.86 years to pay back of all of its debts.
RY-PR-S has a Debt to FCF ratio of 3.86. This is amongst the best in the industry. RY-PR-S outperforms 84.62% of its industry peers.
A Debt/Equity ratio of 2.41 is on the high side and indicates that RY-PR-S has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.41, RY-PR-S is doing worse than 61.54% 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
WACC15.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RY-PR-S shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.
RY-PR-S shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.36% yearly.
RY-PR-S shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.31%.
Measured over the past years, RY-PR-S 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
The Earnings Per Share is expected to grow by 12.00% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.68% on average over the next years.
EPS Next Y19.43%
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 5Y4.68%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.92, the valuation of RY-PR-S can be described as very cheap.
Based on the Price/Earnings ratio, RY-PR-S is valued cheaper than 88.46% of the companies in the same industry.
RY-PR-S's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.
With a Price/Forward Earnings ratio of 1.70, the valuation of RY-PR-S can be described as very cheap.
Based on the Price/Forward Earnings ratio, RY-PR-S is valued cheaper than 88.46% of the companies in the same industry.
RY-PR-S's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RY-PR-S is valued cheaper than 88.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.44 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-S's 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)0.3
EPS Next 2Y13.07%
EPS Next 3Y12%
5. Dividend
5.1 Amount
RY-PR-S has a Yearly Dividend Yield of 3.02%.
With a Dividend Yield of 3.02, RY-PR-S pays less dividend than the industry average, which is at 3.45. 84.62% of the companies listed in the same industry pay a better dividend than RY-PR-S!
RY-PR-S's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
5.2 History
The dividend of RY-PR-S has a limited annual growth rate of 2.34%.
RY-PR-S has been paying a dividend for over 5 years, so it has already some track record.
RY-PR-S has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.34%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
RY-PR-S pays out 46.12% of its income as dividend. This is a bit on the high side, but may be sustainable.
RY-PR-S's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.12%
EPS Next 2Y13.07%
EPS Next 3Y12%
ROYAL BANK OF CANADA - RY 5.885 PERP
TSX:RY-PR-S (10/16/2025, 7:00:00 PM)
26.27
+0.05 (+0.19%)
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 Cap36.91B
Analysts82.61
Price Target27.83 (5.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP46.12%
Div Incr Years1
Div Non Decr Years4
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)-2.32%
PT rev (3m)0.83%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)5.69%
EPS NY rev (1m)5.47%
EPS NY rev (3m)4.36%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)2.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.7 | ||
| P/S | 0.57 | ||
| P/FCF | 0.44 | ||
| P/OCF | 0.42 | ||
| P/B | 0.27 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.65
EY51.96%
EPS(NY)15.47
Fwd EY58.88%
FCF(TTM)60.36
FCFY229.77%
OCF(TTM)62.04
OCFY236.18%
SpS45.89
BVpS96.49
TBVpS77.45
PEG (NY)0.1
PEG (5Y)0.3
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 Y19.43%
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 5Y4.68%
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%