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Royal Bank of Canada (RYLBF) stock analysis

RYLBFOTCCommercial Banks, NECFiscal year ends October 31Also trades as RY
Financials through Q3 FY2026, quarter ended Jul 31, 2026Last filing: 40-F on Dec 3, 2025Score 6/30
$19.50+0.00 (0.00%)

Close on Oct 19, 2026Market cap $284.30BP/E 17.9Yield –

StockData Score

Prices as of Oct 30, 2026How the score works

Value0Growth2Performance4Health0Dividend0

Weak6 of 30 checks passed

Royal Bank of Canada passes 6 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
4/6
Financial health
0/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 12.2% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 10.8% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 18.8% over the last twelve months, against a 5-year average of 12.2% a year.

  • Return on equity above the industry

    Royal Bank of Canada's return on equity of 16.2% is above the Commercial Banks median of 11.2%.

What to watch

  • Return on equity under 15%

    Return on equity was 16.2% over the last twelve months and averaged 14.9% over five years; we look for 15% on both.

  • EPS growing under 10% a year

    Diluted EPS grew 8.4% a year over the last three fiscal years.

  • Thin capital

    Equity is 5.8% of total assets; 8% or more is a comfortable cushion.

  • Growing slower than the industry

    Revenue grew 10.4% over the last twelve months; the Commercial Banks median is 11.4%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 10.8% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew 8.4% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 18.8% over the last twelve months, against a 5-year average of 12.2% a year.

  • Growing slower than the industry

    Revenue grew 10.4% over the last twelve months; the Commercial Banks median is 11.4%.

  • Guidance issued

    The latest outlook (fiscal 2026 ROE financial objective, Dec 3, 2025) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 16.2% over the last twelve months and averaged 14.9% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 1.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Royal Bank of Canada's return on equity of 16.2% is above the Commercial Banks median of 11.2%.

  • Earnings grew over 5 years

    Net income grew 12.2% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 32.0% over the last twelve months, against a 5-year average of 30.4%.

  • Net margin above the industry

    Royal Bank of Canada's net margin of 32.0% is above the Commercial Banks median of 30.0%.

Financial health0/6

  • Thin capital

    Equity is 5.8% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Needs non-interest expense and revenue.

  • Deposits growing

    Needs deposits a year ago.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Royal Bank of Canada has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Royal Bank of Canada. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$272.77M
Value traded per 1% price move
$271.14M

Downside

Low risk

Typical loss in a bad month
6.9%
Volatility (annualized)
16%
Sharpe ratio, 1 year
2.06
Beta to the S&P 500 (5Y)
0.61

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2016 to 2025

Net margin

30.6%+6.3 pts over 5 years