Royal Bank of Canada (RY) 10-Year Financial Performance & Capital Metrics

RY • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

AboutRoyal Bank of Canada operates as a diversified financial service company worldwide. The company's Personal & Commercial Banking segment offers checking and savings accounts, home equity financing, personal lending, private banking, indirect lending, including auto financing, mutual funds and self-directed brokerage accounts, guaranteed investment certificates, credit cards, and payment products and solutions; and lending, leasing, deposit, investment, foreign exchange, cash management, auto dealer financing, trade products, and services to small and medium-sized commercial businesses. This segment offers financial products and services through branches, automated teller machines, and mobile sales network. Its Wealth Management segment provides a suite of advice-based solutions and strategies to high net worth and ultra-high net worth individuals, and institutional clients. The company's Insurance segment offers life, health, home, auto, travel, wealth, annuities, and reinsurance advice and solutions; and business insurance services to individual, business, and group clients through its advice centers, RBC insurance stores, and mobile advisors; digital, mobile, and social platforms; independent brokers; and travel partners. Its Investor & Treasury Services segment provides asset servicing, custody, payments, and treasury services to financial and other investors; and fund and investment administration, shareholder, private capital, performance measurement and compliance monitoring, distribution, transaction banking, cash and liquidity management, foreign exchange, and global securities finance services. The company's Capital Markets segment offers corporate and investment banking, as well as equity and debt origination, distribution, advisory services, sale, and trading services for corporations, institutional investors, asset managers, private equity firms, and governments. The company was founded in 1864 and is headquartered in Toronto, Canada.Show more

Net Interest Income $33B +18.1%
Total Revenue $137.36B +2.1%
Net Income $20.36B +25.5%
Return on Equity 15.29% +14.2%
Net Interest Margin 1.42% +10.3%
Efficiency Ratio 26.59% +4.0%
ROA 0.91% +16.6%
Equity / Assets 5.98% +2.2%
Book Value per Share 98.71 +9.7%
Tangible BV/Share 79.69 +12.5%
Debt/Equity 6.00 -2.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 26.6% efficiency ratio
✓Healthy dividend yield of 2.7%

✗Weaknesses

✗High debt to equity ratio of 6.0x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.3%

5Y17.57%

3Y27.14%

TTM-

Profit (Net Income) CAGR

10Y7.45%

5Y12.24%

3Y8.84%

TTM25.46%

EPS CAGR

10Y7.67%

5Y12.5%

3Y8.41%

TTM25.09%

ROCE

10Y Avg3.54%

5Y Avg3.43%

3Y Avg3.04%

Latest3.47%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	16.53B	17.14B	17.95B	19.75B	20.84B	20B	22.72B	25.13B	27.95B	33B
NII Growth %	11.92%	3.68%	4.74%	10.01%	5.5%	-4%	13.57%	10.62%	11.24%	18.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	24.45B	26.9B	33.02B	41.33B	34.88B	28.14B	40.77B	86.99B	104.95B	103.83B
Interest Expense	7.92B	9.76B	15.07B	21.58B	14.05B	8.14B	18.05B	61.86B	77B	70.83B
Loan Loss Provision	1.55B	1.15B	1.31B	1.86B	4.35B	-753M	484M	2.47B	3.23B	4.36B
Non-Interest Income+	21.53B	22.98B	24.56B	26.02B	26.27B	29.54B	26.06B	26.46B	29.54B	33.53B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	45.98B	49.89B	57.58B	67.35B	61.15B	57.68B	66.83B	113.45B	134.49B	137.36B
Revenue Growth %	6.81%	8.48%	15.43%	16.96%	-9.21%	-5.68%	15.86%	69.77%	18.54%	2.13%
Non-Interest Expense	23.22B	24.3B	25.45B	27.99B	28.36B	29.66B	28.18B	30.94B	34.4B	36.52B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	13.3B	14.67B	15.76B	15.91B	14.39B	20.63B	20.11B	18.18B	19.86B	25.65B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	5.36%	10.32%	7.42%	0.98%	-9.58%	43.38%	-2.53%	-9.58%	9.23%	29.15%
Pretax Income+	13.3B	14.67B	15.76B	15.91B	14.39B	20.63B	20.11B	18.18B	19.86B	25.65B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.84B	3.2B	3.33B	3.04B	2.95B	4.58B	4.3B	3.57B	3.62B	5.28B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	10.4B	11.43B	12.4B	12.86B	11.43B	16.04B	15.79B	14.61B	16.23B	20.36B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	4.84%	9.83%	8.51%	3.71%	-11.1%	40.29%	-1.52%	-7.53%	11.13%	25.46%
Net Income (Continuing)	10.46B	11.47B	12.43B	12.87B	11.44B	16.05B	15.81B	14.61B	16.24B	20.37B
EPS (Diluted)+	6.78	7.56	8.36	8.75	7.82	11.06	11.06	10.32	11.23	14.09
EPS Growth %	0.74%	11.5%	10.58%	4.67%	-10.63%	41.43%	0%	-6.69%	8.82%	25.47%
EPS (Basic)	6.80	7.59	8.39	8.78	7.84	11.08	11.08	10.33	11.27	14.12
Diluted Shares Outstanding	1.49B	1.47B	1.45B	1.44B	1.43B	1.43B	1.41B	1.39B	1.41B	1.41B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	127.58B	151.79B	100.56B	102.07B	202.28B	231.03B	240.6B	212B	167.13B	165.28B
Cash & Due from Banks	42.78B	61.07B	66.68B	64.66B	157.9B	193.48B	180.41B	133.07B	122.74B	87.39B
Short Term Investments	84.8B	90.72B	33.88B	37.41B	44.38B	37.54B	60.19B	78.93B	44.38B	77.89B
Total Investments+	725.97B	729.05B	791.88B	852.59B	940.71B	978.48B	1.19T	1.27T	1.41T	1.6T
Investments Growth %	14.32%	0.43%	8.62%	7.67%	10.33%	4.02%	21.25%	7.42%	10.7%	13.08%
Long-Term Investments	643.4B	640.49B	760.92B	818.28B	896.32B	945.03B	1.13T	1.2T	1.37T	1.52T
Accounts Receivables	5.36B	5.68B	6.69B	7.43B	6.96B	7.25B	8.95B	12.07B	12.29B	13.37B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	11.16B	10.98B	11.14B	11.24B	11.3B	10.85B	12.28B	12.59B	19.29B	19.41B
Intangible Assets	4.65B	4.51B	4.69B	4.67B	4.75B	4.47B	6.08B	5.9B	7.8B	7.4B
PP&E (Net)	2.84B	2.67B	2.83B	3.19B	7.93B	7.42B	7.21B	6.75B	6.85B	6.82B
Other Assets	379.97B	392.26B	439.13B	470.87B	486.38B	487.07B	497.14B	540.83B	560.78B	562.89B
Total Current Assets	137.66B	162.38B	117.47B	121.8B	220.91B	253.56B	266.83B	241.8B	200.01B	206.49B
Total Non-Current Assets	1.04T	1.05T	1.22T	1.31T	1.4T	1.45T	1.65T	1.76T	1.97T	2.12T
Total Assets+	1.18T	1.21T	1.33T	1.43T	1.62T	1.71T	1.92T	2.01T	2.17T	2.33T
Asset Growth %	9.87%	2.76%	10.05%	7.06%	13.69%	5.03%	12.36%	4.66%	8.23%	7.07%
Return on Assets (ROA)	0.92%	0.96%	0.97%	0.93%	0.75%	0.96%	0.87%	0.74%	0.78%	0.91%
Accounts Payable	5.74B	6.01B	8.68B	8.34B	9.46B	10.51B	17.29B	20.58B	22.97B	22.93B
Total Debt+	326.98B	371.44B	458.81B	498.23B	541.5B	567.25B	699.12B	774.59B	779.52B	834.96B
Net Debt	284.2B	310.37B	392.13B	433.57B	383.6B	373.76B	518.72B	641.51B	656.78B	747.57B
Long-Term Debt	158.42B	151.32B	163.31B	172.19B	181.91B	201.1B	277.77B	316.92B	334.22B	353.81B
Short-Term Debt	168.56B	220.12B	295.5B	325.99B	354.24B	361.07B	416.25B	452.91B	440.63B	476.56B
Other Liabilities	172.34B	151.06B	152.29B	169.39B	187.22B	168.58B	235.65B	236.22B	236.59B	268.21B
Total Current Liabilities	774.93B	833.87B	936.83B	1T	1.16T	1.23T	1.29T	1.33T	1.46T	1.55T
Total Non-Current Liabilities	333.72B	304.55B	317.95B	344.27B	376.85B	377.72B	521.98B	561.51B	579.47B	631.37B
Total Liabilities	1.11T	1.14T	1.25T	1.35T	1.54T	1.61T	1.81T	1.89T	2.04T	2.19T
Total Equity+	71.61B	74.43B	79.95B	83.63B	86.77B	98.76B	108.17B	115.15B	127.19B	139.15B
Equity Growth %	11.99%	3.93%	7.43%	4.59%	3.76%	13.82%	9.53%	6.45%	10.46%	9.4%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	15.35%	15.65%	16.06%	15.72%	13.42%	17.29%	15.26%	13.08%	13.39%	15.29%
Book Value per Share	47.93	50.48	55.12	58.05	60.73	69.22	76.94	82.69	89.97	98.71
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	17.86B	17.7B	17.62B	17.59B	17.63B	17.73B	17.32B	19.4B	21.01B	20.86B
Additional Paid-in Capital	17.86B	17.7B	17.62B	17.59B	0	0	0	0	0	0
Retained Earnings	41.52B	45.36B	51.11B	55.98B	59.81B	71.8B	78.04B	81.72B	88.61B	96.94B
Accumulated OCI	4.93B	4.35B	4.82B	4.25B	3.41B	0	0	0	8.5B	0
Treasury Stock	-80M	-27M	-18M	-58M	-132M	-112M	-339M	-240M	-50M	-78M
Preferred Stock	6.71B	6.41B	6.31B	5.71B	5.95B	6.72B	7.32B	7.32B	9.02B	11.64B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	26.86B	37.73B	17.47B	14.27B	138.82B	61.04B	21.94B	26.08B	23.14B	55.22B
Operating CF Growth %	11.21%	40.47%	-53.68%	-18.36%	873.14%	-56.03%	-64.06%	18.85%	-11.27%	138.64%
Net Income	10.46B	11.47B	12.43B	12.87B	11.44B	16.05B	15.81B	14.61B	16.24B	20.37B
Depreciation & Amortization	1.55B	1.62B	1.65B	1.93B	2.65B	2.59B	2.65B	2.85B	2.98B	3.08B
Deferred Taxes	-479M	203M	459M	-519M	-586M	581M	569M	-1.02B	-1.53B	-216M
Other Non-Cash Items	1.03B	626M	1.12B	1.42B	4.07B	-1.06B	233M	2.4B	3.11B	4.16B
Working Capital Changes	14.3B	23.81B	1.81B	-1.44B	121.25B	42.88B	2.68B	7.23B	2.34B	27.83B
Cash from Investing+	-21.43B	-15.46B	-8.02B	-11.13B	-39.56B	-57.35B	-57.05B	-28.27B	-20.89B	-68.57B
Purchase of Investments	-58.48B	-61.56B	-59.29B	-72.44B	-149.52B	-123.55B	-122.96B	-202.46B	-193.31B	-314.42B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-2.33B	0	-51M	67M	-22M	78M	-2.36B	1.71B	-12.7B	0
Other Investing	-3.11B	-4.81B	-3.81B	-1.87B	-676M	-40.62B	-28.37B	18.74B	5.07B	15.66B
Cash from Financing+	-3.13B	-8.65B	-7.72B	-7.46B	-7.75B	-5.93B	-2.19B	-9.83B	-8.15B	-6.71B
Dividends Paid	-5B	-5.31B	-5.64B	-6.03B	-6.33B	-6.42B	-6.96B	-5.55B	-6.64B	-8.8B
Share Repurchases	-5.89B	-7.9B	-7.35B	-7.54B	-7.17B	-6.22B	-11.28B	-4.08B	-6.67B	-13.49B
Stock Issued	5.45B	4.74B	5.81B	5.63B	4.85B	4.85B	5.53B	4.24B	6.88B	10.77B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K
Other Financing	-1.28B	-35M	-537M	-2M	-6M	-3M	-5M	-21M	-6M	-39M
Net Change in Cash+	2.48B	13.48B	1.8B	-3.9B	92.58B	-5.04B	-41.45B	-10.41B	-5.27B	-19.7B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Cash at Beginning	12.45B	14.93B	28.41B	30.21B	26.31B	118.89B	113.85B	72.4B	61.99B	56.72B
Cash at End	14.93B	28.41B	30.21B	26.31B	118.89B	113.85B	72.4B	61.99B	56.72B	37.02B
Interest Paid	7.1B	8.8B	13.51B	19.98B	13.06B	7.55B	13.68B	54.7B	73.64B	70.98B
Income Taxes Paid	1.58B	4.71B	5.82B	2.98B	2.88B	4.2B	7.33B	4.96B	3.41B	6.09B
Free Cash Flow+	25.6B	36.36B	15.49B	12B	136.19B	58.86B	19.44B	23.35B	20.86B	52.98B
FCF Growth %	12.22%	42.04%	-57.39%	-22.52%	1034.54%	-56.78%	-66.97%	20.1%	-10.66%	153.98%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	15.35%	15.65%	16.06%	15.72%	13.42%	17.29%	15.26%	13.08%	13.39%	15.29%
Return on Assets (ROA)	0.92%	0.96%	0.97%	0.93%	0.75%	0.96%	0.87%	0.74%	0.78%	0.91%
Net Interest Margin	1.4%	1.41%	1.34%	1.38%	1.28%	1.17%	1.18%	1.25%	1.29%	1.42%
Efficiency Ratio	50.49%	48.71%	44.19%	41.56%	46.38%	51.42%	42.17%	27.27%	25.58%	26.59%
Equity / Assets	6.07%	6.14%	5.99%	5.85%	5.34%	5.79%	5.64%	5.74%	5.86%	5.98%
Book Value / Share	47.93	50.48	55.12	58.05	60.73	69.22	76.94	82.69	89.97	98.71
NII Growth	11.92%	3.68%	4.74%	10.01%	5.5%	-4%	13.57%	10.62%	11.24%	18.06%
Dividend Payout	48.02%	46.46%	45.48%	46.85%	55.4%	40.03%	44.07%	37.99%	40.89%	43.22%

US Stock Screener

...

Royal Bank of Canada (RY) 10-Year Financial Performance & Capital Metrics

RY • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

Net Interest Income $33B +18.1%
Total Revenue $137.36B +2.1%
Net Income $20.36B +25.5%
Return on Equity 15.29% +14.2%
Net Interest Margin 1.42% +10.3%
Efficiency Ratio 26.59% +4.0%
ROA 0.91% +16.6%
Equity / Assets 5.98% +2.2%
Book Value per Share 98.71 +9.7%
Tangible BV/Share 79.69 +12.5%
Debt/Equity 6.00 -2.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 26.6% efficiency ratio
✓Healthy dividend yield of 2.7%

✗Weaknesses

✗High debt to equity ratio of 6.0x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.3%

5Y17.57%

3Y27.14%

TTM-

Profit (Net Income) CAGR

10Y7.45%

5Y12.24%

3Y8.84%

TTM25.46%

EPS CAGR

10Y7.67%

5Y12.5%

3Y8.41%

TTM25.09%

ROCE

10Y Avg3.54%

5Y Avg3.43%

3Y Avg3.04%

Latest3.47%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	16.53B	17.14B	17.95B	19.75B	20.84B	20B	22.72B	25.13B	27.95B	33B
NII Growth %	11.92%	3.68%	4.74%	10.01%	5.5%	-4%	13.57%	10.62%	11.24%	18.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	24.45B	26.9B	33.02B	41.33B	34.88B	28.14B	40.77B	86.99B	104.95B	103.83B
Interest Expense	7.92B	9.76B	15.07B	21.58B	14.05B	8.14B	18.05B	61.86B	77B	70.83B
Loan Loss Provision	1.55B	1.15B	1.31B	1.86B	4.35B	-753M	484M	2.47B	3.23B	4.36B
Non-Interest Income+	21.53B	22.98B	24.56B	26.02B	26.27B	29.54B	26.06B	26.46B	29.54B	33.53B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	45.98B	49.89B	57.58B	67.35B	61.15B	57.68B	66.83B	113.45B	134.49B	137.36B
Revenue Growth %	6.81%	8.48%	15.43%	16.96%	-9.21%	-5.68%	15.86%	69.77%	18.54%	2.13%
Non-Interest Expense	23.22B	24.3B	25.45B	27.99B	28.36B	29.66B	28.18B	30.94B	34.4B	36.52B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	13.3B	14.67B	15.76B	15.91B	14.39B	20.63B	20.11B	18.18B	19.86B	25.65B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	5.36%	10.32%	7.42%	0.98%	-9.58%	43.38%	-2.53%	-9.58%	9.23%	29.15%
Pretax Income+	13.3B	14.67B	15.76B	15.91B	14.39B	20.63B	20.11B	18.18B	19.86B	25.65B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.84B	3.2B	3.33B	3.04B	2.95B	4.58B	4.3B	3.57B	3.62B	5.28B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	10.4B	11.43B	12.4B	12.86B	11.43B	16.04B	15.79B	14.61B	16.23B	20.36B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	4.84%	9.83%	8.51%	3.71%	-11.1%	40.29%	-1.52%	-7.53%	11.13%	25.46%
Net Income (Continuing)	10.46B	11.47B	12.43B	12.87B	11.44B	16.05B	15.81B	14.61B	16.24B	20.37B
EPS (Diluted)+	6.78	7.56	8.36	8.75	7.82	11.06	11.06	10.32	11.23	14.09
EPS Growth %	0.74%	11.5%	10.58%	4.67%	-10.63%	41.43%	0%	-6.69%	8.82%	25.47%
EPS (Basic)	6.80	7.59	8.39	8.78	7.84	11.08	11.08	10.33	11.27	14.12
Diluted Shares Outstanding	1.49B	1.47B	1.45B	1.44B	1.43B	1.43B	1.41B	1.39B	1.41B	1.41B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	127.58B	151.79B	100.56B	102.07B	202.28B	231.03B	240.6B	212B	167.13B	165.28B
Cash & Due from Banks	42.78B	61.07B	66.68B	64.66B	157.9B	193.48B	180.41B	133.07B	122.74B	87.39B
Short Term Investments	84.8B	90.72B	33.88B	37.41B	44.38B	37.54B	60.19B	78.93B	44.38B	77.89B
Total Investments+	725.97B	729.05B	791.88B	852.59B	940.71B	978.48B	1.19T	1.27T	1.41T	1.6T
Investments Growth %	14.32%	0.43%	8.62%	7.67%	10.33%	4.02%	21.25%	7.42%	10.7%	13.08%
Long-Term Investments	643.4B	640.49B	760.92B	818.28B	896.32B	945.03B	1.13T	1.2T	1.37T	1.52T
Accounts Receivables	5.36B	5.68B	6.69B	7.43B	6.96B	7.25B	8.95B	12.07B	12.29B	13.37B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	11.16B	10.98B	11.14B	11.24B	11.3B	10.85B	12.28B	12.59B	19.29B	19.41B
Intangible Assets	4.65B	4.51B	4.69B	4.67B	4.75B	4.47B	6.08B	5.9B	7.8B	7.4B
PP&E (Net)	2.84B	2.67B	2.83B	3.19B	7.93B	7.42B	7.21B	6.75B	6.85B	6.82B
Other Assets	379.97B	392.26B	439.13B	470.87B	486.38B	487.07B	497.14B	540.83B	560.78B	562.89B
Total Current Assets	137.66B	162.38B	117.47B	121.8B	220.91B	253.56B	266.83B	241.8B	200.01B	206.49B
Total Non-Current Assets	1.04T	1.05T	1.22T	1.31T	1.4T	1.45T	1.65T	1.76T	1.97T	2.12T
Total Assets+	1.18T	1.21T	1.33T	1.43T	1.62T	1.71T	1.92T	2.01T	2.17T	2.33T
Asset Growth %	9.87%	2.76%	10.05%	7.06%	13.69%	5.03%	12.36%	4.66%	8.23%	7.07%
Return on Assets (ROA)	0.92%	0.96%	0.97%	0.93%	0.75%	0.96%	0.87%	0.74%	0.78%	0.91%
Accounts Payable	5.74B	6.01B	8.68B	8.34B	9.46B	10.51B	17.29B	20.58B	22.97B	22.93B
Total Debt+	326.98B	371.44B	458.81B	498.23B	541.5B	567.25B	699.12B	774.59B	779.52B	834.96B
Net Debt	284.2B	310.37B	392.13B	433.57B	383.6B	373.76B	518.72B	641.51B	656.78B	747.57B
Long-Term Debt	158.42B	151.32B	163.31B	172.19B	181.91B	201.1B	277.77B	316.92B	334.22B	353.81B
Short-Term Debt	168.56B	220.12B	295.5B	325.99B	354.24B	361.07B	416.25B	452.91B	440.63B	476.56B
Other Liabilities	172.34B	151.06B	152.29B	169.39B	187.22B	168.58B	235.65B	236.22B	236.59B	268.21B
Total Current Liabilities	774.93B	833.87B	936.83B	1T	1.16T	1.23T	1.29T	1.33T	1.46T	1.55T
Total Non-Current Liabilities	333.72B	304.55B	317.95B	344.27B	376.85B	377.72B	521.98B	561.51B	579.47B	631.37B
Total Liabilities	1.11T	1.14T	1.25T	1.35T	1.54T	1.61T	1.81T	1.89T	2.04T	2.19T
Total Equity+	71.61B	74.43B	79.95B	83.63B	86.77B	98.76B	108.17B	115.15B	127.19B	139.15B
Equity Growth %	11.99%	3.93%	7.43%	4.59%	3.76%	13.82%	9.53%	6.45%	10.46%	9.4%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	15.35%	15.65%	16.06%	15.72%	13.42%	17.29%	15.26%	13.08%	13.39%	15.29%
Book Value per Share	47.93	50.48	55.12	58.05	60.73	69.22	76.94	82.69	89.97	98.71
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	17.86B	17.7B	17.62B	17.59B	17.63B	17.73B	17.32B	19.4B	21.01B	20.86B
Additional Paid-in Capital	17.86B	17.7B	17.62B	17.59B	0	0	0	0	0	0
Retained Earnings	41.52B	45.36B	51.11B	55.98B	59.81B	71.8B	78.04B	81.72B	88.61B	96.94B
Accumulated OCI	4.93B	4.35B	4.82B	4.25B	3.41B	0	0	0	8.5B	0
Treasury Stock	-80M	-27M	-18M	-58M	-132M	-112M	-339M	-240M	-50M	-78M
Preferred Stock	6.71B	6.41B	6.31B	5.71B	5.95B	6.72B	7.32B	7.32B	9.02B	11.64B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	26.86B	37.73B	17.47B	14.27B	138.82B	61.04B	21.94B	26.08B	23.14B	55.22B
Operating CF Growth %	11.21%	40.47%	-53.68%	-18.36%	873.14%	-56.03%	-64.06%	18.85%	-11.27%	138.64%
Net Income	10.46B	11.47B	12.43B	12.87B	11.44B	16.05B	15.81B	14.61B	16.24B	20.37B
Depreciation & Amortization	1.55B	1.62B	1.65B	1.93B	2.65B	2.59B	2.65B	2.85B	2.98B	3.08B
Deferred Taxes	-479M	203M	459M	-519M	-586M	581M	569M	-1.02B	-1.53B	-216M
Other Non-Cash Items	1.03B	626M	1.12B	1.42B	4.07B	-1.06B	233M	2.4B	3.11B	4.16B
Working Capital Changes	14.3B	23.81B	1.81B	-1.44B	121.25B	42.88B	2.68B	7.23B	2.34B	27.83B
Cash from Investing+	-21.43B	-15.46B	-8.02B	-11.13B	-39.56B	-57.35B	-57.05B	-28.27B	-20.89B	-68.57B
Purchase of Investments	-58.48B	-61.56B	-59.29B	-72.44B	-149.52B	-123.55B	-122.96B	-202.46B	-193.31B	-314.42B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-2.33B	0	-51M	67M	-22M	78M	-2.36B	1.71B	-12.7B	0
Other Investing	-3.11B	-4.81B	-3.81B	-1.87B	-676M	-40.62B	-28.37B	18.74B	5.07B	15.66B
Cash from Financing+	-3.13B	-8.65B	-7.72B	-7.46B	-7.75B	-5.93B	-2.19B	-9.83B	-8.15B	-6.71B
Dividends Paid	-5B	-5.31B	-5.64B	-6.03B	-6.33B	-6.42B	-6.96B	-5.55B	-6.64B	-8.8B
Share Repurchases	-5.89B	-7.9B	-7.35B	-7.54B	-7.17B	-6.22B	-11.28B	-4.08B	-6.67B	-13.49B
Stock Issued	5.45B	4.74B	5.81B	5.63B	4.85B	4.85B	5.53B	4.24B	6.88B	10.77B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K
Other Financing	-1.28B	-35M	-537M	-2M	-6M	-3M	-5M	-21M	-6M	-39M
Net Change in Cash+	2.48B	13.48B	1.8B	-3.9B	92.58B	-5.04B	-41.45B	-10.41B	-5.27B	-19.7B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Cash at Beginning	12.45B	14.93B	28.41B	30.21B	26.31B	118.89B	113.85B	72.4B	61.99B	56.72B
Cash at End	14.93B	28.41B	30.21B	26.31B	118.89B	113.85B	72.4B	61.99B	56.72B	37.02B
Interest Paid	7.1B	8.8B	13.51B	19.98B	13.06B	7.55B	13.68B	54.7B	73.64B	70.98B
Income Taxes Paid	1.58B	4.71B	5.82B	2.98B	2.88B	4.2B	7.33B	4.96B	3.41B	6.09B
Free Cash Flow+	25.6B	36.36B	15.49B	12B	136.19B	58.86B	19.44B	23.35B	20.86B	52.98B
FCF Growth %	12.22%	42.04%	-57.39%	-22.52%	1034.54%	-56.78%	-66.97%	20.1%	-10.66%	153.98%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	15.35%	15.65%	16.06%	15.72%	13.42%	17.29%	15.26%	13.08%	13.39%	15.29%
Return on Assets (ROA)	0.92%	0.96%	0.97%	0.93%	0.75%	0.96%	0.87%	0.74%	0.78%	0.91%
Net Interest Margin	1.4%	1.41%	1.34%	1.38%	1.28%	1.17%	1.18%	1.25%	1.29%	1.42%
Efficiency Ratio	50.49%	48.71%	44.19%	41.56%	46.38%	51.42%	42.17%	27.27%	25.58%	26.59%
Equity / Assets	6.07%	6.14%	5.99%	5.85%	5.34%	5.79%	5.64%	5.74%	5.86%	5.98%
Book Value / Share	47.93	50.48	55.12	58.05	60.73	69.22	76.94	82.69	89.97	98.71
NII Growth	11.92%	3.68%	4.74%	10.01%	5.5%	-4%	13.57%	10.62%	11.24%	18.06%
Dividend Payout	48.02%	46.46%	45.48%	46.85%	55.4%	40.03%	44.07%	37.99%	40.89%	43.22%

Royal Bank of Canada (RY) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare RY vs Peers

vs JPM

vs BAC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Royal Bank of Canada (RY) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare RY vs Peers

vs JPM

vs BAC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios