ROYAL BANK OF CANADA - RY 5.885 PERP (RY-PR-S.CA) Stock Fundamental Analysis
TSX:RY-PR-S - Toronto Stock Exchange - CA78013R3909 - Currency: CAD
We assign a fundamental rating of 4 out of 10 to RY-PR-S. RY-PR-S was compared to 30 industry peers in the Banks industry. RY-PR-S has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
RY-PR-S had positive earnings in the past year.
RY-PR-S had a positive operating cash flow in the past year.
Each year in the past 5 years RY-PR-S has been profitable.
Each year in the past 5 years RY-PR-S had a positive operating cash flow.
1.2 Ratios
RY-PR-S has a Return On Assets of 0.79%. This is amongst the best in the industry. RY-PR-S outperforms 86.67% of its industry peers.
RY-PR-S has a better Return On Equity (13.06%) than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.06% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RY-PR-S has a Profit Margin of 28.71%. This is in the better half of the industry: RY-PR-S outperforms 63.33% 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) | 28.71% | ||
| 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.
RY-PR-S has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RY-PR-S has been reduced compared to 5 years ago.
Compared to 1 year ago, RY-PR-S has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of RY-PR-S is 6.24, which is on the high side as it means it would take RY-PR-S, 6.24 years of fcf income to pay off all of its debts.
RY-PR-S has a Debt to FCF ratio of 6.24. This is amongst the best in the industry. RY-PR-S outperforms 83.33% of its industry peers.
RY-PR-S has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.51, RY-PR-S is doing worse than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 6.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.52%
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 15.74% over the past year.
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.
The Revenue has grown by 11.15% in the past year. This is quite good.
RY-PR-S shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.51% yearly.
EPS 1Y (TTM)15.74%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%27.02%
Revenue 1Y (TTM)11.15%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%24.13%
3.2 Future
RY-PR-S is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.87% yearly.
RY-PR-S is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.00% yearly.
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue Next Year12.3%
Revenue Next 2Y7.77%
Revenue Next 3Y6%
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
With a Price/Earnings ratio of 1.99, the valuation of RY-PR-S can be described as very cheap.
RY-PR-S's Price/Earnings ratio is rather cheap when compared to the industry. RY-PR-S is cheaper than 86.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.22. RY-PR-S is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.73 indicates a rather cheap valuation of RY-PR-S.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RY-PR-S indicates a rather cheap valuation: RY-PR-S is cheaper than 86.67% of the companies listed in the same industry.
RY-PR-S is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.99 | ||
| Fwd PE | 1.73 |
4.2 Price Multiples
86.67% of the companies in the same industry are more expensive than RY-PR-S, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.68 | ||
| 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)0.14
PEG (5Y)0.31
EPS Next 2Y10.75%
EPS Next 3Y9.87%
5. Dividend
5.1 Amount
RY-PR-S has a Yearly Dividend Yield of 3.63%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 3.63, RY-PR-S pays less dividend than the industry average, which is at 4.41. 86.67% 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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 43.10% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of RY-PR-S is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.1%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
ROYAL BANK OF CANADA - RY 5.885 PERP
TSX:RY-PR-S (5/2/2025, 7:00:00 PM)
25.66
+0.08 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.32%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap36.29B
Analysts83.33
Price Target28.63 (11.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
Yearly Dividend4.71
Dividend Growth(5Y)2.34%
DP43.1%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.43%
Min EPS beat(2)-0.92%
Max EPS beat(2)7.78%
EPS beat(4)3
Avg EPS beat(4)4.14%
Min EPS beat(4)-0.92%
Max EPS beat(4)7.78%
EPS beat(8)5
Avg EPS beat(8)1.54%
EPS beat(12)8
Avg EPS beat(12)1.47%
EPS beat(16)11
Avg EPS beat(16)1.87%
Revenue beat(2)1
Avg Revenue beat(2)1.99%
Min Revenue beat(2)-0.22%
Max Revenue beat(2)4.2%
Revenue beat(4)2
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-1.13%
Max Revenue beat(4)4.2%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.07%
Revenue beat(16)8
Avg Revenue beat(16)0.46%
PT rev (1m)5.03%
PT rev (3m)6.48%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.85%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)4.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.99 | ||
| Fwd PE | 1.73 | ||
| P/S | 0.6 | ||
| P/FCF | 0.68 | ||
| P/OCF | 0.65 | ||
| P/B | 0.27 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.87
EY50.16%
EPS(NY)14.84
Fwd EY57.83%
FCF(TTM)37.8
FCFY147.3%
OCF(TTM)39.55
OCFY154.13%
SpS42.84
BVpS94.15
TBVpS74.86
PEG (NY)0.14
PEG (5Y)0.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.71% | ||
| GM | N/A | ||
| FCFM | 88.22% |
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 6.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 80.46% | ||
| Cap/Sales | 4.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 307.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.52%
ROIC/WACCN/A
Cap/Depr(3y)88.62%
Cap/Depr(5y)89.9%
Cap/Sales(3y)4.65%
Cap/Sales(5y)4.78%
Profit Quality(3y)138.62%
Profit Quality(5y)401.74%
High Growth Momentum
Growth
EPS 1Y (TTM)15.74%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%27.02%
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue 1Y (TTM)11.15%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%24.13%
Revenue Next Year12.3%
Revenue Next 2Y7.77%
Revenue Next 3Y6%
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 1Y85.88%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y78.33%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%