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Royal Bank of Canada

RYNYSECommercial Banks, NECFiscal year ends October 31Also trades as RYLBF
Financials through Q3 FY2026, quarter ended Jul 31, 2026Last filing: 40-F on Dec 3, 2025Score 6/30
$204.57+1.59 (+0.78%)

Close on Nov 2, 2026Market cap $286.53BP/E 18.0Yield –

Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M) by Quarter

Insurance Contractual Service Margin / CSM (C$M) (M)

QuarterlyAnnual

Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M): 1,709M in Q3 FY26, down 11.4% from a year earlier. That is the lowest of the 15 quarters on record here.

Latest, Q3 FY26
1,709
Period ended Jul 31, 2026
Change on a year earlier
-11.4%
1,928 in Q3 FY25
History
15 quarters
Since Q1 FY23
Sources
7
Documents cited below

Where the Q3 FY26 figure comes from

Source: RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗

CSM under IFRS 17 (effective FY2024, retrospective to FY2023): unearned profit to be recognized gradually into earnings in future periods.

Quarterly history

Hover a value to see the sentence it was read from; calculated values show their formula

PeriodEndedInsurance Contractual Service Margin / CSM (C$M) (M)Year on yearSource
Q3 FY26Jul 31, 20261,709-11.4%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q2 FY26Apr 30, 20261,759-9.8%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q1 FY26Jan 31, 20261,773-11.7%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q4 FY25Oct 31, 20251,802-15.7%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q3 FY25Jul 31, 20251,928-10.5%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q2 FY25Apr 30, 20251,950-1.5%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q1 FY25Jan 31, 20252,008+1.6%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q4 FY24Oct 31, 20242,137+9.3%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q3 FY24Jul 31, 20242,155+13.8%RBC Q3 2026 Supplementary Financial Information (26q3supp.xlsx) [Page_12] ↗
Q2 FY24Apr 30, 20241,980+9.8%RBC Q2 2026 Supplementary Financial Information (26q2supp.xlsx) [Page_12] ↗
Q1 FY24Jan 31, 20241,977+11.9%RBC Q1 2026 Supplementary Financial Information (26q1supp.xlsx) [Page_12] ↗
Q4 FY23Oct 31, 20231,956–RBC Q4 2025 Supplementary Financial Information (25q4supp.xlsx) [Page_12] ↗
Q3 FY23Jul 31, 20231,894–RBC Q3 2025 Supplementary Financial Information (25q3supp.xlsx) [Page_12] ↗
Q2 FY23Apr 30, 20231,804–RBC Q2 2025 Supplementary Financial Information (25q2supp.xlsx) [Page_12] ↗
Q1 FY23Jan 31, 20231,767–RBC Q1 2025 Supplementary Financial Information (25q1supp.xlsx) [Page_12] ↗

Breakdown

What makes up insurance Contractual Service Margin / CSM (C$M)

Cite this data

StockData. (2026). Royal Bank of Canada Insurance Contractual Service Margin / CSM (C$M) (M), quarterly Q1 FY23–Q3 FY26 [Data set]. Compiled from Royal Bank of Canada SEC filings and investor materials. https://stockdatahq.com/stocks/ry/kpis/ins-csm-m

See every metric in the Royal Bank of Canada KPI table. Data updated Nov 2, 2026.