Royal Bank of Canada (RY) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

19.60%

Operating Income = $6.83B

Revenue = $34.84B

Pre-tax Profit Margini

19.60%

Income Before Tax = $6.83B

Revenue = $34.84B

Net Profit Margini

15.59%

Net Income = $5.43B

Revenue = $34.84B

Tax Metrics

Effective Tax Ratei

20.42%

Income Tax Expense = $1.39B

Income Before Tax = $6.83B

Cash Tax Rate (TTM)i

23.73%

Income Taxes Paid = $6.09B

Income Before Tax = $25.65B

Financial Sector PPNR Metrics

PPNRi

$7.83B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $8.64B | non interest income: $8.55B | non interest expense: $9.36B

PPNR Margini

22.49%

PPNR = $7.83B

Revenue = $34.84B

PPNR / Avg Assetsi

0.35%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $7.83B | avg total assets: $2248.29B

Cost Efficiency Metrics

Efficiency Ratioi

26.87%

Non-Interest Expense = $9.36B

Revenue = $34.84B

Cost-to-Incomei

26.87%

Operating Expenses = $9.36B

Revenue = $34.84B

Cost-to-Assetsi

0.42%

Operating Expenses = $9.36B

Avg Total Assets = $2248.29B

Operating Leverage Metrics

Operating JAWSi

-1.11%

Revenue Growth = 2.81%

Expense Growth = 3.92%

Operating Margin Expansioni

4.21pp

Current Operating Margin = 19.60%

Prior Operating Margin = 15.39%

Earnings Quality Metrics

Earnings Qualityi

-2.72x

Operating Cash Flow = $-14.79B

Net Income = $5.43B

Accruals / Avg Assetsi

0.90%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $5.43B | operating cash flow: $-14.79B | avg total assets: $2248.29B

Volatility Metrics

PPNR Volatilityi

0.14x

Core Revenue Volatilityi

0.03x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $137.36B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $36.52B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

CAD100.64B

Tangible Assets (TA)i

CAD2298.20B

TCE / TA Ratioi

4.38%

🔴 Risk

TCE = CAD100.64B

TA = CAD2298.20B

Leverage

Equity / Assets (E/A)i

5.98%

Total Equity = CAD139.09B

Total Assets = CAD2325.01B

Assets / Equity (A/E)i

16.72x

Total Assets = CAD2325.01B

Total Equity = CAD139.09B

Capital Quality

AOCI / TCEi

0.00%

✅ Healthy

AOCI = CAD0.00B

TCE = CAD100.64B

(Goodwill + Intangibles) / Equityi

19.27%

✅ Healthy

GW+Intangibles = CAD26.81B

Total Equity = CAD139.09B

Liquidity

Liquidity Buffer (HQLA proxy)i

7.11%

🔴 Risk

Cash+ST Inv = CAD165.28B

Total Assets = CAD2325.01B

Funding Structure

Wholesale Funding Ratio (Core)i

37.99%

⚠️ Warning

ST+LT Debt = CAD830.37B

Total Liabilities = CAD2185.86B

Securities / Assetsi

68.62%

🔴 Risk

ST+LT Inv = CAD1595.41B

Total Assets = CAD2325.01B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

CAD100.64B

ATCE / TAi

4.38%

TCE ATCE = CAD100.64B

TA = CAD2298.20B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 438.00%

ATCE/TA = 438.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

2.71x

TTM Operating Cash Flow = $55.22B

TTM Net Income = $20.36B

Cash Flow ROA (CFROA)i

2.43%

TTM Operating Cash Flow = $55.22B

Average Total Assets = $2276.45B

Liquidity / Solvency

Cash Flow Adequacyi

4.19x

TTM Operating Cash Flow = $55.22B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $13.19B

OCF / Short-Term Debti

0.12x

TTM Operating Cash Flow = $55.22B

Short-Term Debt = $476.56B

Sustainability / Stability

OCF Growth Rate (YoY)i

-186.13%

Current Quarter OCF = $-14.79B

Same Quarter Last Year OCF = $17.17B

OCF Volatility (CV)i

1.80x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

19.60%

Operating Income = $6.83B

Revenue = $34.84B

Pre-tax Profit Margini

19.60%

Income Before Tax = $6.83B

Revenue = $34.84B

Net Profit Margini

15.59%

Net Income = $5.43B

Revenue = $34.84B

Tax Metrics

Effective Tax Ratei

20.42%

Income Tax Expense = $1.39B

Income Before Tax = $6.83B

Cash Tax Rate (TTM)i

23.73%

Income Taxes Paid = $6.09B

Income Before Tax = $25.65B

Financial Sector PPNR Metrics

PPNRi

$7.83B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $8.64B | non interest income: $8.55B | non interest expense: $9.36B

PPNR Margini

22.49%

PPNR = $7.83B

Revenue = $34.84B

PPNR / Avg Assetsi

0.35%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $7.83B | avg total assets: $2248.29B

Cost Efficiency Metrics

Efficiency Ratioi

26.87%

Non-Interest Expense = $9.36B

Revenue = $34.84B

Cost-to-Incomei

26.87%

Operating Expenses = $9.36B

Revenue = $34.84B

Cost-to-Assetsi

0.42%

Operating Expenses = $9.36B

Avg Total Assets = $2248.29B

Operating Leverage Metrics

Operating JAWSi

-1.11%

Revenue Growth = 2.81%

Expense Growth = 3.92%

Operating Margin Expansioni

4.21pp

Current Operating Margin = 19.60%

Prior Operating Margin = 15.39%

Earnings Quality Metrics

Earnings Qualityi

-2.72x

Operating Cash Flow = $-14.79B

Net Income = $5.43B

Accruals / Avg Assetsi

0.90%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $5.43B | operating cash flow: $-14.79B | avg total assets: $2248.29B

Volatility Metrics

PPNR Volatilityi

0.14x

Core Revenue Volatilityi

0.03x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $137.36B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $36.52B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

CAD100.64B

Tangible Assets (TA)i

CAD2298.20B

TCE / TA Ratioi

4.38%

🔴 Risk

TCE = CAD100.64B

TA = CAD2298.20B

Leverage

Equity / Assets (E/A)i

5.98%

Total Equity = CAD139.09B

Total Assets = CAD2325.01B

Assets / Equity (A/E)i

16.72x

Total Assets = CAD2325.01B

Total Equity = CAD139.09B

Capital Quality

AOCI / TCEi

0.00%

✅ Healthy

AOCI = CAD0.00B

TCE = CAD100.64B

(Goodwill + Intangibles) / Equityi

19.27%

✅ Healthy

GW+Intangibles = CAD26.81B

Total Equity = CAD139.09B

Liquidity

Liquidity Buffer (HQLA proxy)i

7.11%

🔴 Risk

Cash+ST Inv = CAD165.28B

Total Assets = CAD2325.01B

Funding Structure

Wholesale Funding Ratio (Core)i

37.99%

⚠️ Warning

ST+LT Debt = CAD830.37B

Total Liabilities = CAD2185.86B

Securities / Assetsi

68.62%

🔴 Risk

ST+LT Inv = CAD1595.41B

Total Assets = CAD2325.01B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

CAD100.64B

ATCE / TAi

4.38%

TCE ATCE = CAD100.64B

TA = CAD2298.20B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 438.00%

ATCE/TA = 438.00%

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Royal Bank of Canada

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)