# Royal Bank Of Canada (RY) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $210.59, market value $291.5 billion.

## Valuation
- **P/E (trailing): 18.4×** (5-yr avg 8.6×, 3-yr avg 9.2×). Royal Bank Of Canada trades at 18.4× trailing earnings, well above its own five-year average of 8.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 16.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.64**. A PEG of 0.64 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 3.0×**. The shares trade at 3.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 19.1%** (5-yr avg 24.9%). Free cash flow equals 19.1% of the market value, below its five-year average of 24.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 5.4%**. The inverse of the P/E: 5.4% of the price is earned each year.

## Profitability
- **Net margin: 14.8%**. 14.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.6%**. 14.6% on shareholders' equity is solid.
- **Return on assets: 1.0%**. Each dollar of assets produces 1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 153.8%** (3-yr 41.5%/yr, 5-yr 26.2%/yr). Revenue grew 153.8% over the last year, against 26.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 25.3%** (3-yr 8.4%/yr, 5-yr 12.5%/yr). Earnings per share rose 25.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 39.7%/yr**. Free cash flow has compounded at 39.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $119.6 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.41%** ($5.07 per share, trailing). Royal Bank Of Canada yields 2.41%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 43%** (12% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 5.5%/yr** (1-yr 1.6%). The dividend has grown 5.5% a year over five years.
- **Shareholder yield: 4.2%**. Dividends plus net buybacks return 4.2% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Royal Bank Of Canada; the consensus is buy, with an average price target of $207.38 (-2% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 46.3%** (YTD 25.1%, 3-mo 9.2%). The shares are up 46.3% over twelve months including dividends.
- **From 52-week high: -3.7%** (47.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.67** (volatility 16%). Beta of 0.67 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RY · Page: https://foliofundamentals.com/stocks/ry

Not investment advice.