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ROYAL BANK OF CANADA - RY 5.885 PERP (RY-PR-S.CA) Stock Fundamental Analysis

TSX:RY-PR-S - CA78013R3909

26.38 CAD
-0.08 (-0.3%)
Last: 8/28/2025, 7:00:00 PM
Fundamental Rating

5

Overall RY-PR-S gets a fundamental rating of 5 out of 10. We evaluated RY-PR-S against 27 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on RY-PR-S.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years RY-PR-S always reported a positive cash flow from operatings.
RY-PR-S.CA Yearly Net Income VS EBIT VS OCF VS FCFRY-PR-S.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

1.2 Ratios

RY-PR-S has a Return On Assets of 0.79%. This is in the better half of the industry: RY-PR-S outperforms 70.37% of its industry peers.
RY-PR-S has a Return On Equity of 13.43%. This is amongst the best in the industry. RY-PR-S outperforms 88.89% of its industry peers.
Industry RankSector 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
RY-PR-S.CA Yearly ROA, ROE, ROICRY-PR-S.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of RY-PR-S (28.64%) is better than 66.67% of its industry peers.
In the last couple of years the Profit Margin of RY-PR-S has remained more or less at the same level.
RY-PR-S does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
RY-PR-S.CA Yearly Profit, Operating, Gross MarginsRY-PR-S.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
Compared to 1 year ago, RY-PR-S has an improved debt to assets ratio.
RY-PR-S.CA Yearly Shares OutstandingRY-PR-S.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
RY-PR-S.CA Yearly Total Debt VS Total AssetsRY-PR-S.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

RY-PR-S has a debt to FCF ratio of 4.34. This is a neutral value as RY-PR-S would need 4.34 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 4.34, RY-PR-S belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
RY-PR-S has a Debt/Equity ratio of 2.57. This is a high value indicating a heavy dependency on external financing.
RY-PR-S has a Debt to Equity ratio of 2.57. This is comparable to the rest of the industry: RY-PR-S outperforms 40.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.57
Debt/FCF 4.34
Altman-Z N/A
ROIC/WACCN/A
WACC15.46%
RY-PR-S.CA Yearly LT Debt VS Equity VS FCFRY-PR-S.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RY-PR-S.CA Yearly Current Assets VS Current LiabilitesRY-PR-S.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

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5

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 14.75%, 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.
The Revenue has grown by 16.54% 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)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

Based on estimates for the next years, RY-PR-S will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.58% on average per year.
Based on estimates for the next years, RY-PR-S will show a small growth in Revenue. The Revenue will grow by 6.07% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RY-PR-S.CA Yearly Revenue VS EstimatesRY-PR-S.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
RY-PR-S.CA Yearly EPS VS EstimatesRY-PR-S.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.02 indicates a rather cheap valuation of RY-PR-S.
RY-PR-S's Price/Earnings ratio is rather cheap when compared to the industry. RY-PR-S is cheaper than 88.89% of the companies in the same industry.
RY-PR-S is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.78, the valuation of RY-PR-S can be described as very cheap.
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 88.89% of the companies listed 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 22.78.
Industry RankSector Rank
PE 2.02
Fwd PE 1.78
RY-PR-S.CA Price Earnings VS Forward Price EarningsRY-PR-S.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RY-PR-S indicates a rather cheap valuation: RY-PR-S is cheaper than 88.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.47
EV/EBITDA N/A
RY-PR-S.CA Per share dataRY-PR-S.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)0.15
PEG (5Y)0.32
EPS Next 2Y10.55%
EPS Next 3Y10.58%

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6

5. Dividend

5.1 Amount

RY-PR-S has a Yearly Dividend Yield of 4.92%, which is a nice return.
Compared to an average industry Dividend Yield of 4.93, RY-PR-S has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, RY-PR-S pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.92%

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
RY-PR-S.CA Yearly Dividends per shareRY-PR-S.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

47.48% of the earnings are spent on dividend by RY-PR-S. 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.
DP47.48%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
RY-PR-S.CA Yearly Income VS Free CF VS DividendRY-PR-S.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B
RY-PR-S.CA Dividend Payout.RY-PR-S.CA Dividend Payout, showing the Payout Ratio.RY-PR-S.CA Dividend Payout.PayoutRetained Earnings

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ROYAL BANK OF CANADA - RY 5.885 PERP

TSX:RY-PR-S (8/28/2025, 7:00:00 PM)

26.38

-0.08 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-29 2025-05-29/bmo
Earnings (Next)08-27 2025-08-27/bmo
Inst Owners49.26%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap37.21B
Analysts83.33
Price Target27.58 (4.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.92%
Yearly Dividend4.72
Dividend Growth(5Y)2.34%
DP47.48%
Div Incr Years1
Div Non Decr Years4
Ex-Date07-24 2025-07-24 (0.3678125)
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)-2.44%
PT rev (3m)-1.39%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)0.16%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 2.02
Fwd PE 1.78
P/S 0.6
P/FCF 0.47
P/OCF 0.46
P/B 0.28
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)13.07
EY49.55%
EPS(NY)14.79
Fwd EY56.06%
FCF(TTM)55.89
FCFY211.88%
OCF(TTM)57.7
OCFY218.74%
SpS44.04
BVpS93.9
TBVpS74.89
PEG (NY)0.15
PEG (5Y)0.32
Profitability
Industry RankSector 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 RankSector 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
WACC15.46%
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)14.75%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%6.85%
EPS Next Y13.24%
EPS Next 2Y10.55%
EPS Next 3Y10.58%
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 2Y7.4%
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 1Y106.52%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y98.82%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%