ROYAL BANK OF CANADA (RY) Stock Fundamental Analysis

NYSE:RY • CA7800871021

169.47 USD
+0.12 (+0.07%)
At close: Feb 13, 2026
169.47 USD
0 (0%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall RY gets a fundamental rating of 4 out of 10. We evaluated RY against 381 industry peers in the Banks industry. RY has a medium profitability rating, but doesn't score so well on its financial health evaluation. RY has a decent growth rate and is not valued too expensively. RY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year RY was profitable.
  • In the past year RY had a positive cash flow from operations.
  • Each year in the past 5 years RY has been profitable.
  • In the past 5 years RY always reported a positive cash flow from operatings.
RY Yearly Net Income VS EBIT VS OCF VS FCFRY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

1.2 Ratios

  • With a Return On Assets value of 0.85%, RY perfoms like the industry average, outperforming 45.93% of the companies in the same industry.
  • RY has a Return On Equity of 14.28%. This is amongst the best in the industry. RY outperforms 91.34% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 14.28%
ROIC N/A
ROA(3y)0.77%
ROA(5y)0.81%
ROE(3y)13.1%
ROE(5y)13.93%
ROIC(3y)N/A
ROIC(5y)N/A
RY Yearly ROA, ROE, ROICRY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • RY has a better Profit Margin (29.83%) than 77.43% of its industry peers.
  • RY's Profit Margin has improved in the last couple of years.
  • RY 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) 29.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.05%
PM growth 5Y4.74%
GM growth 3YN/A
GM growth 5YN/A
RY Yearly Profit, Operating, Gross MarginsRY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • RY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RY has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, RY has less shares outstanding
  • Compared to 1 year ago, RY has an improved debt to assets ratio.
RY Yearly Shares OutstandingRY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
RY Yearly Total Debt VS Total AssetsRY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • RY has a debt to FCF ratio of 6.67. This is a slightly negative value and a sign of low solvency as RY would need 6.67 years to pay back of all of its debts.
  • RY has a worse Debt to FCF ratio (6.67) than 75.33% of its industry peers.
  • A Debt/Equity ratio of 2.53 is on the high side and indicates that RY has dependencies on debt financing.
  • The Debt to Equity ratio of RY (2.53) is worse than 90.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.53
Debt/FCF 6.67
Altman-Z N/A
ROIC/WACCN/A
WACC13.8%
RY Yearly LT Debt VS Equity VS FCFRY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RY Yearly Current Assets VS Current LiabilitesRY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • RY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.26%, which is quite good.
  • Measured over the past years, RY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.61% on average per year.
  • The Revenue has grown by 16.15% in the past year. This is quite good.
  • The Revenue has been growing slightly by 7.14% on average over the past years.
EPS 1Y (TTM)19.26%
EPS 3Y8.81%
EPS 5Y12.61%
EPS Q2Q%25.41%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y10.79%
Revenue growth 5Y7.14%
Sales Q2Q%14.16%

3.2 Future

  • RY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.30% yearly.
  • The Revenue is expected to grow by 3.50% on average over the next years.
EPS Next Y11.61%
EPS Next 2Y11%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue Next Year6.48%
Revenue Next 2Y5.73%
Revenue Next 3Y4.7%
Revenue Next 5Y3.5%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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 decreasing.
RY Yearly Revenue VS EstimatesRY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B
RY Yearly EPS VS EstimatesRY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • RY is valuated correctly with a Price/Earnings ratio of 16.00.
  • 73.23% of the companies in the same industry are cheaper than RY, based on the Price/Earnings ratio.
  • RY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.68.
  • RY is valuated correctly with a Price/Forward Earnings ratio of 14.34.
  • RY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RY is more expensive than 71.39% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of RY to the average of the S&P500 Index (28.06), we can say RY is valued slightly cheaper.
Industry RankSector Rank
PE 16
Fwd PE 14.34
RY Price Earnings VS Forward Price EarningsRY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • RY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RY is cheaper than 91.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.1
EV/EBITDA N/A
RY Per share dataRY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • RY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)1.27
EPS Next 2Y11%
EPS Next 3Y10.3%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • RY has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
  • RY's Dividend Yield is comparable with the industry average which is at 2.78.
  • RY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.85%

5.2 History

  • The dividend of RY is nicely growing with an annual growth rate of 7.08%!
  • RY has been paying a dividend for at least 10 years, so it has a reliable track record.
  • RY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.08%
Div Incr Years8
Div Non Decr Years8
RY Yearly Dividends per shareRY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • RY pays out 44.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of RY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.29%
EPS Next 2Y11%
EPS Next 3Y10.3%
RY Yearly Income VS Free CF VS DividendRY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B
RY Dividend Payout.RY Dividend Payout, showing the Payout Ratio.RY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ROYAL BANK OF CANADA

NYSE:RY (2/13/2026, 8:04:00 PM)

After market: 169.47 0 (0%)

169.47

+0.12 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-03
Earnings (Next)02-26
Inst Owners49.22%
Inst Owner Change-3.72%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap237.28B
Revenue(TTM)66.61B
Net Income(TTM)19.87B
Analysts82.5
Price Target176.51 (4.15%)
Short Float %0.58%
Short Ratio6.65
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
Yearly Dividend4.59
Dividend Growth(5Y)7.08%
DP44.29%
Div Incr Years8
Div Non Decr Years8
Ex-Date01-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.15%
Min EPS beat(2)6.02%
Max EPS beat(2)12.29%
EPS beat(4)3
Avg EPS beat(4)5.29%
Min EPS beat(4)-4.92%
Max EPS beat(4)12.29%
EPS beat(8)5
Avg EPS beat(8)3.59%
EPS beat(12)8
Avg EPS beat(12)2.35%
EPS beat(16)11
Avg EPS beat(16)2.06%
Revenue beat(2)2
Avg Revenue beat(2)1.6%
Min Revenue beat(2)0.34%
Max Revenue beat(2)2.86%
Revenue beat(4)3
Avg Revenue beat(4)1.03%
Min Revenue beat(4)-3.31%
Max Revenue beat(4)4.2%
Revenue beat(8)4
Avg Revenue beat(8)0.19%
Revenue beat(12)6
Avg Revenue beat(12)0.08%
Revenue beat(16)7
Avg Revenue beat(16)-0.53%
PT rev (1m)1.71%
PT rev (3m)14.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.51%
EPS NY rev (1m)0%
EPS NY rev (3m)4.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.53%
Valuation
Industry RankSector Rank
PE 16
Fwd PE 14.34
P/S 4.85
P/FCF 6.1
P/OCF 5.85
P/B 2.32
P/tB 2.88
EV/EBITDA N/A
EPS(TTM)10.59
EY6.25%
EPS(NY)11.82
Fwd EY6.98%
FCF(TTM)27.77
FCFY16.39%
OCF(TTM)28.95
OCFY17.08%
SpS34.92
BVpS72.92
TBVpS58.86
PEG (NY)1.38
PEG (5Y)1.27
Graham Number131.81
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 14.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.83%
GM N/A
FCFM 79.54%
ROA(3y)0.77%
ROA(5y)0.81%
ROE(3y)13.1%
ROE(5y)13.93%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.05%
PM growth 5Y4.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.53
Debt/FCF 6.67
Debt/EBITDA N/A
Cap/Depr 72.85%
Cap/Sales 3.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 266.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.8%
ROIC/WACCN/A
Cap/Depr(3y)81.48%
Cap/Depr(5y)84.61%
Cap/Sales(3y)4.22%
Cap/Sales(5y)4.43%
Profit Quality(3y)186.75%
Profit Quality(5y)211.66%
High Growth Momentum
Growth
EPS 1Y (TTM)19.26%
EPS 3Y8.81%
EPS 5Y12.61%
EPS Q2Q%25.41%
EPS Next Y11.61%
EPS Next 2Y11%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue 1Y (TTM)16.15%
Revenue growth 3Y10.79%
Revenue growth 5Y7.14%
Sales Q2Q%14.16%
Revenue Next Year6.48%
Revenue Next 2Y5.73%
Revenue Next 3Y4.7%
Revenue Next 5Y3.5%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-13.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y153.98%
FCF growth 3Y39.67%
FCF growth 5Y-17.21%
OCF growth 1Y138.65%
OCF growth 3Y36.02%
OCF growth 5Y-16.84%

ROYAL BANK OF CANADA / RY FAQ

What is the ChartMill fundamental rating of ROYAL BANK OF CANADA (RY) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RY.


Can you provide the valuation status for ROYAL BANK OF CANADA?

ChartMill assigns a valuation rating of 4 / 10 to ROYAL BANK OF CANADA (RY). This can be considered as Fairly Valued.


How profitable is ROYAL BANK OF CANADA (RY) stock?

ROYAL BANK OF CANADA (RY) has a profitability rating of 4 / 10.


What is the financial health of ROYAL BANK OF CANADA (RY) stock?

The financial health rating of ROYAL BANK OF CANADA (RY) is 1 / 10.


How sustainable is the dividend of ROYAL BANK OF CANADA (RY) stock?

The dividend rating of ROYAL BANK OF CANADA (RY) is 7 / 10 and the dividend payout ratio is 44.29%.