Royal Bank of Canada
RY · Price history
Price at last available close
$204.77
+$4.97 (+2.49%) 1M
2026-10-28
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Company & revenue
About Royal Bank of Canada
Primary reporting period: 2025-10-31 · Research updated Oct 3, 2026. A research update is not a new financial filing.
Who they are
Royal Bank of Canada (RBC), established in 1864 and headquartered in Toronto, Canada, operates as a comprehensive global financial institution. Its Personal & Commercial Banking division caters to individual clients by providing essential services like checking and savings accounts, various lending options (including mortgages, personal loans, and auto financing), private banking, investment vehicles such as mutual funds and guaranteed investment certificates (GICs), along with credit cards and payment solutions. For small and medium-sized commercial enterprises, this segment delivers a suite of services including financing, leasing, deposit management, foreign exchange, cash management, auto dealer financing, and trade solutions.
How they make money
Royal Bank of Canada is a diversified financial services company that generates revenue primarily through net interest income from lending and deposit activities, as well as non-interest income from fee-based services. Its operations span personal and commercial banking, wealth management, insurance, and capital markets, serving a global client base.
Products & services
RBC provides personal and commercial banking, wealth management, investment banking, treasury services, insurance products, and asset management services.
Brands & revenue mix
The primary brand for the bank's global financial services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not disclose specific customer concentration figures in its 2025 annual report.
Suppliers, materials & equipment
- Technology and IT service providers — Unnamed suppliers providing technology infrastructure and digital solution services.Source
Business relationships & partnerships
- RBC Borealis — A partnership focused on integrating emerging AI capabilities to streamline digital solutions and improve advisor productivity.Source
Competitors
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
52
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
51
Fair
Financial Strength
39
Business Quality / Moat
84
Management
32
Growth Quality
39
Risk / Durability
63
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
74
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
68/100
Building Historical Record
Model Score 68/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for RY
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can RY maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is RY's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is RY's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is RY's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
52
Opportunity Score
74
Market Cap
$283.93B
P/E Ratio
17.5
EPS
$11.25
52-Week High
$218.57
52-Week Low
$143.38
Beta
0.91
Intrinsic Value
$433.18
Analyst Target
$225.00
Shares Outstanding
1.41B
Total Revenue
$101.10B
Total Debt
$295.80B
Reported Dividend Yield
2.28%
Liquidation Value / Share
$72.87
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for RY
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on RY.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading market position in Canada.
- +Diversified business model across multiple financial segments.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Macroeconomic environment and competitive intensity.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
52
Oct 1, 2026
Change
Unchanged
Current Score
52
Oct 19, 2026
Category Changes
RY score was unchanged.
Projected Score
Projected Score
51
Projected Change
-0.8 points
Preliminary comparable-period financial changes suggest decline of approximately 0.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$204.77
Model Intrinsic Value
$433.18
Difference
−$228.41
-52.7% vs IV
Margin of Safety
52.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $101.10B | $97.20B | $95.17B | $80.28B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $52.03B | $53.20B | $56.77B | $45.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $49.06B | $43.99B | $38.40B | $34.76B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $18.93B | $16.36B | $14.92B | $13.34B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $28.51B | $25.84B | $24.34B | $21.89B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $22.64B | $20.33B | $16.16B | $14.89B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $20.58B | $18.15B | $14.05B | $12.87B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $49.20B | $50.12B | $54.49B | $43.78B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $20.55B | $18.15B | $14.05B | $12.87B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $4.48B | $3.74B | $2.56B | $2.53B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $16.10B | $14.41B | $11.48B | $10.33B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $11.25 | $9.99 | $7.97 | $7.31 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 989M | 1.41B | 1.41B | 1.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 992M | 1.41B | 1.41B | 1.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$27.35B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.99
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-47.1%
Cash Change
-40.4%
Margin Change
-0.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels. Pressure indicators included cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 11.3%. EPS increased 12.8%. Cash declined 40.4%. Total debt declined 47.1%. Net income margin was essentially unchanged.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · RY
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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