Royal Bank Of Canada (RY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Royal Bank Of Canada

NYSE•Financial Services•Banks - Diversified

$203.30-0.27(<0.01%)Market closed

Market Cap

$201.61B

P/E

8.9x

P/S

1.4x

P/B

1.4x

Royal Bank of Canada operates as a diversified financial service company worldwide. Its Personal Banking segment offers home equity financing, personal lending, chequing and savings accounts, private banking, auto financing, mutual funds, GICs, credit cards, and payment products and solutions. The company's Commercial Banking segments provides lending, deposit and transaction banking products and services. Its Wealth Management segment provides a suite of wealth, investment, trust, banking, credit, and other solutions to clients; asset management products to institutional and individual clients; and asset and investor services to financial institutions, asset managers, and asset owners. The company's Insurance segment offers life, health, travel, wealth, annuities, property and casualty, and reinsurance advice and solutions; digital platforms; and independent brokers and partners, as well as client-led advice and solutions. The company's Capital Markets segment offers advisory and origination, sales and trading, lending and financing, and transaction banking services to corporations, institutional clients, asset managers, private equity firms, and governments. The company was founded in 1864 and is based in Toronto, Canada.

How this company scores

GoodMetricSide Score: 70/100

Strongest: Profitability (22/25); weakest: Cash & Earnings Quality (14/25).

Profitability22/25

Growth19/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality14/25

Strengths

Strong marginsHigh ROERising earningsInterest easily covered

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.2x5y range 7.5x – 10.8x

Currently near its 20-quarter median.

P/S · 1.5x5y range 1.0x – 2.8x

Currently near its 20-quarter median.

P/B · 1.4x5y range 1.0x – 1.6x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

D/E ratio of 2.6 is elevated. Watch for further debt accumulation.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $201.61B

Metrics at a Glance

as of July 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $142.87B
Q. Revenue: $38.65B
TTM EBITDA: $31.25B
TTM Op. Income: $29.09B
Q. Op. Income: $7.75B
TTM Net Income: $22.75B
Q. Net Income: $6.03B
EPS: N/A
Shares Out.: $991.70M

$142.87B in TTM revenue grew 4.7% YoY, reaching $38.65B last quarter. TTM EBITDA of $31.25B and TTM operating income of $29.09B show growth is flowing through to the bottom line. TTM net income of $22.75B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 20.0%
Op. Margin: 20.1%
Net Margin: 15.6%

Op. margin of 20.1% is up 0.3% YoY — cost efficiency is improving. Net margin at 15.6% Over the past year, operating margin is up 1% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.2x
P/S Ratio: 1.5x
P/B Ratio: 1.4x

At 9.2x P/E, the stock trades below typical market levels. P/S of 1.5x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 4% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.50T
Cash: $64.17B
Long-Term Debt: N/A
Book Value: $145.11B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

TTM Free Cash Flow: $14.11B
FCF Margin: 9.9%
FCF / Net Income: 0.6

TTM FCF of $14.11B. The FCF / Net Income ratio of 0.6x means cash covers only part of net income — earnings quality needs attention. Over the past year, free cash flow is down 83% — a weakening trend.