Royal Bank of Canada(RY)Earnings, Financials & Key Ratios
RY•NYSE•Banking & Credit
$178.48
$249.91B mkt cap·17.2× P/E·Price updated May 6, 2026
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 Equity15.29%+14.2%
- Net Interest Margin1.42%+10.3%
- Efficiency Ratio26.59%+4.0%
- ROA0.91%+16.6%
- Equity / Assets5.98%+2.2%
- Book Value per Share98.71+9.7%
- Tangible BV/Share79.69+12.5%
- Debt/Equity6.00-2.1%
RY Key Insights
Royal Bank of Canada (RY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 26.6% efficiency ratio
- ✓Healthy dividend yield of 2.6%
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 6.0x
- ✗Weak NIM of 1.4%
- ✗Thin capital base
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
RY Price & Volume
Royal Bank of Canada (RY) stock price & volume — 10-year historical chart
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RY Growth Metrics
Royal Bank of Canada (RY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.3%
5 Years17.57%
3 Years27.14%
TTM-
Profit CAGR
10 Years7.45%
5 Years12.24%
3 Years8.84%
TTM25.46%
EPS CAGR
10 Years7.67%
5 Years12.5%
3 Years8.41%
TTM25.09%
Return on Capital
10 Years3.54%
5 Years3.43%
3 Years3.04%
Last Year3.47%
RY Recent Earnings
Royal Bank of Canada (RY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 11/12 qtrs (92%)
Q1 2026Latest
Feb 26, 2026EPS
$2.94
Est $2.81
+4.6%
Revenue
$13.2B
Est $12.9B
+2.5%
Q4 2025
Dec 3, 2025EPS
$2.76
Est $2.51
+10.0%
Revenue
$17.2B
Est $12.5B
+37.3%
Q3 2025
Aug 27, 2025EPS
$2.79
Est $2.36
+18.2%
Revenue
$17.0B
Est $12.1B
+40.1%
Q2 2025
May 29, 2025EPS
$2.20
Est $2.25
-2.2%
Revenue
$15.7B
Est $11.8B
+32.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $2.94vs $2.81+4.6% | $13.2Bvs $12.9B+2.5% |
| Q4 2025 | Dec 3, 2025 | $2.76vs $2.51+10.0% | $17.2Bvs $12.5B+37.3% |
| Q3 2025 | Aug 27, 2025 | $2.79vs $2.36+18.2% | $17.0Bvs $12.1B+40.1% |
| Q2 2025 | May 29, 2025 | $2.20vs $2.25-2.2% | $15.7Bvs $11.8B+32.1% |
Based on last 12 quarters of dataView full earnings history →
RY Peer Comparison
Royal Bank of Canada (RY) competitors in North American universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TD | 177.64B | 105.94 | 12.45 | -2.8% | 17.73% | 16.07% | 5.19 | |
 BMO | 107.06B | 151.02 | 17.94 | -0.52% | 11.14% | 10.57% | 5.85% | 4.71 |
 BNS | 94.79B | 76.67 | 18.31 | 148.2% | 10.64% | 8.79% | 3.93% | 5.69 |
 CM | 102.03B | 110.11 | 17.46 | -3.14% | 13.59% | 13.09% | 5.52 | |
 JPM | 834.2B | 309.40 | 15.67 | 14.61% | 21.59% | 16.11% | 2.18 | |
 BAC | 404.29B | 53.12 | 13.91 | -1.91% | 16.23% | 10.1% | 3.12% | 1.21 |
 WFC | 247.08B | 79.90 | 14.88 | 8.72% | 15.73% | 11.51% | 1.23% | 1.56 |
 GS | 285.46B | 918.89 | 22.67 | 17% | 11.25% | 12.59% | 5.06 |
Compare RY vs Peers
Royal Bank of Canada (RY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RY Income Statement
Royal Bank of Canada (RY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 17.14B | 17.95B | 19.75B | 20.84B | 20B | 22.72B | 25.13B | 27.95B | 33B |
| NII Growth % | 3.68% | 4.74% | 10.01% | 5.5% | -4% | 13.57% | 10.62% | 11.24% | 18.06% |
| Net Interest Margin % | 1.41% | 1.34% | 1.38% | 1.28% | 1.17% | 1.18% | 1.25% | 1.29% | 1.42% |
| Interest Income | 26.9B | 33.02B | 41.33B | 34.88B | 28.14B | 40.77B | 86.99B | 104.95B | 103.83B |
| Interest Expense | 9.76B | 15.07B | 21.58B | 14.05B | 8.14B | 18.05B | 61.86B | 77B | 70.83B |
| Loan Loss Provision | 1.15B | 1.31B | 1.86B | 4.35B | -753M | 484M | 2.47B | 3.23B | 4.36B |
| Non-Interest Income | 22.98B | 24.56B | 26.02B | 26.27B | 29.54B | 26.06B | 26.46B | 29.54B | 33.53B |
| Non-Interest Income % | 46.07% | 42.66% | 38.63% | 42.96% | 51.2% | 38.99% | 23.32% | 21.96% | 24.41% |
| Total Revenue | 49.89B▲ 0% | 57.58B▲ 15.4% | 67.35B▲ 17.0% | 61.15B▼ 9.2% | 57.68B▼ 5.7% | 66.83B▲ 15.9% | 113.45B▲ 69.8% | 134.49B▲ 18.5% | 137.36B▲ 2.1% |
| Revenue Growth % | 8.48% | 15.43% | 16.96% | -9.21% | -5.68% | 15.86% | 69.77% | 18.54% | 2.13% |
| Non-Interest Expense | 24.3B | 25.45B | 27.99B | 28.36B | 29.66B | 28.18B | 30.94B | 34.4B | 36.52B |
| Efficiency Ratio | 48.71% | 44.19% | 41.56% | 46.38% | 51.42% | 42.17% | 27.27% | 25.58% | 26.59% |
| Operating Income | 14.67B▲ 0% | 15.76B▲ 7.4% | 15.91B▲ 1.0% | 14.39B▼ 9.6% | 20.63B▲ 43.4% | 20.11B▼ 2.5% | 18.18B▼ 9.6% | 19.86B▲ 9.2% | 25.65B▲ 29.1% |
| Operating Margin % | 29.41% | 27.37% | 23.63% | 23.53% | 35.77% | 30.09% | 16.03% | 14.77% | 18.67% |
| Operating Income Growth % | 10.32% | 7.42% | 0.98% | -9.58% | 43.38% | -2.53% | -9.58% | 9.23% | 29.15% |
| Pretax Income | 14.67B▲ 0% | 15.76B▲ 7.4% | 15.91B▲ 1.0% | 14.39B▼ 9.6% | 20.63B▲ 43.4% | 20.11B▼ 2.5% | 18.18B▼ 9.6% | 19.86B▲ 9.2% | 25.65B▲ 29.1% |
| Pretax Margin % | 29.41% | 27.37% | 23.63% | 23.53% | 35.77% | 30.09% | 16.03% | 14.77% | 18.67% |
| Income Tax | 3.2B | 3.33B | 3.04B | 2.95B | 4.58B | 4.3B | 3.57B | 3.62B | 5.28B |
| Effective Tax Rate % | 21.83% | 21.12% | 19.12% | 20.52% | 22.2% | 21.39% | 19.64% | 18.24% | 20.59% |
| Net Income | 11.43B▲ 0% | 12.4B▲ 8.5% | 12.86B▲ 3.7% | 11.43B▼ 11.1% | 16.04B▲ 40.3% | 15.79B▼ 1.5% | 14.61B▼ 7.5% | 16.23B▲ 11.1% | 20.36B▲ 25.5% |
| Net Margin % | 22.91% | 21.53% | 19.09% | 18.69% | 27.81% | 23.63% | 12.87% | 12.07% | 14.82% |
| Net Income Growth % | 9.83% | 8.51% | 3.71% | -11.1% | 40.29% | -1.52% | -7.53% | 11.13% | 25.46% |
| Net Income (Continuing) | 11.47B | 12.43B | 12.87B | 11.44B | 16.05B | 15.81B | 14.61B | 16.24B | 20.37B |
| EPS (Diluted) | 7.56▲ 0% | 8.36▲ 10.6% | 8.75▲ 4.7% | 7.82▼ 10.6% | 11.06▲ 41.4% | 11.06▲ 0.0% | 10.32▼ 6.7% | 11.23▲ 8.8% | 14.09▲ 25.5% |
| EPS Growth % | 11.5% | 10.58% | 4.67% | -10.63% | 41.43% | 0% | -6.69% | 8.82% | 25.47% |
| EPS (Basic) | 7.59 | 8.39 | 8.78 | 7.84 | 11.08 | 11.08 | 10.33 | 11.27 | 14.12 |
| Diluted Shares Outstanding | 1.47B | 1.45B | 1.44B | 1.43B | 1.43B | 1.41B | 1.39B | 1.41B | 1.41B |
RY Balance Sheet
Royal Bank of Canada (RY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 151.79B | 100.56B | 102.07B | 202.28B | 231.03B | 240.6B | 212B | 167.13B | 165.28B |
| Cash & Due from Banks | 61.07B | 66.68B | 64.66B | 157.9B | 193.48B | 180.41B | 133.07B | 122.74B | 87.39B |
| Short Term Investments | 90.72B | 33.88B | 37.41B | 44.38B | 37.54B | 60.19B | 78.93B | 44.38B | 77.89B |
| Total Investments | 729.05B | 791.88B | 852.59B | 940.71B | 978.48B | 1.19T | 1.27T | 1.41T | 1.6T |
| Investments Growth % | 0.43% | 8.62% | 7.67% | 10.33% | 4.02% | 21.25% | 7.42% | 10.7% | 13.08% |
| Long-Term Investments | 640.49B | 760.92B | 818.28B | 896.32B | 945.03B | 1.13T | 1.2T | 1.37T | 1.52T |
| Accounts Receivables | 5.68B | 6.69B | 7.43B | 6.96B | 7.25B | 8.95B | 12.07B | 12.29B | 13.37B |
| Goodwill & Intangibles | 15.48B | 15.82B | 15.91B | 16.05B | 15.32B | 18.36B | 18.5B | 27.08B | 26.81B |
| Goodwill | 10.98B | 11.14B | 11.24B | 11.3B | 10.85B | 12.28B | 12.59B | 19.29B | 19.41B |
| Intangible Assets | 4.51B | 4.69B | 4.67B | 4.75B | 4.47B | 6.08B | 5.9B | 7.8B | 7.4B |
| PP&E (Net) | 2.67B | 2.83B | 3.19B | 7.93B | 7.42B | 7.21B | 6.75B | 6.85B | 6.82B |
| Other Assets | 392.26B | 439.13B | 470.87B | 486.38B | 487.07B | 497.14B | 540.83B | 560.78B | 562.89B |
| Total Current Assets | 162.38B | 117.47B | 121.8B | 220.91B | 253.56B | 266.83B | 241.8B | 200.01B | 206.49B |
| Total Non-Current Assets | 1.05T | 1.22T | 1.31T | 1.4T | 1.45T | 1.65T | 1.76T | 1.97T | 2.12T |
| Total Assets | 1.21T▲ 0% | 1.33T▲ 10.0% | 1.43T▲ 7.1% | 1.62T▲ 13.7% | 1.71T▲ 5.0% | 1.92T▲ 12.4% | 2.01T▲ 4.7% | 2.17T▲ 8.2% | 2.33T▲ 7.1% |
| Asset Growth % | 2.76% | 10.05% | 7.06% | 13.69% | 5.03% | 12.36% | 4.66% | 8.23% | 7.07% |
| Return on Assets (ROA) | 0.96% | 0.97% | 0.93% | 0.75% | 0.96% | 0.87% | 0.74% | 0.78% | 0.91% |
| Accounts Payable | 6.01B | 8.68B | 8.34B | 9.46B | 10.51B | 17.29B | 20.58B | 22.97B | 22.93B |
| Total Debt | 371.44B | 458.81B | 498.23B | 541.5B | 567.25B | 699.12B | 774.59B | 779.52B | 834.96B |
| Net Debt | 310.37B | 392.13B | 433.57B | 383.6B | 373.76B | 518.72B | 641.51B | 656.78B | 747.57B |
| Long-Term Debt | 151.32B | 163.31B | 172.19B | 181.91B | 201.1B | 277.77B | 316.92B | 334.22B | 353.81B |
| Short-Term Debt | 220.12B | 295.5B | 325.99B | 354.24B | 361.07B | 416.25B | 452.91B | 440.63B | 476.56B |
| Other Liabilities | 151.06B | 152.29B | 169.39B | 187.22B | 168.58B | 235.65B | 236.22B | 236.59B | 268.21B |
| Total Current Liabilities | 833.87B | 936.83B | 1T | 1.16T | 1.23T | 1.29T | 1.33T | 1.46T | 1.55T |
| Total Non-Current Liabilities | 304.55B | 317.95B | 344.27B | 376.85B | 377.72B | 521.98B | 561.51B | 579.47B | 631.37B |
| Total Liabilities | 1.14T | 1.25T | 1.35T | 1.54T | 1.61T | 1.81T | 1.89T | 2.04T | 2.19T |
| Total Equity | 74.43B▲ 0% | 79.95B▲ 7.4% | 83.63B▲ 4.6% | 86.77B▲ 3.8% | 98.76B▲ 13.8% | 108.17B▲ 9.5% | 115.15B▲ 6.4% | 127.19B▲ 10.5% | 139.15B▲ 9.4% |
| Equity Growth % | 3.93% | 7.43% | 4.59% | 3.76% | 13.82% | 9.53% | 6.45% | 10.46% | 9.4% |
| Equity / Assets (Capital Ratio) | 6.14% | 5.99% | 5.85% | 5.34% | 5.79% | 5.64% | 5.74% | 5.86% | 5.98% |
| Return on Equity (ROE) | 15.65% | 16.06% | 15.72% | 13.42% | 17.29% | 15.26% | 13.08% | 13.39% | 15.29% |
| Book Value per Share | 50.48 | 55.12 | 58.05 | 60.73 | 69.22 | 76.94 | 82.69 | 89.97 | 98.71 |
| Tangible BV per Share | 39.98 | 44.21 | 47.00 | 49.49 | 58.48 | 63.88 | 69.41 | 70.81 | 79.69 |
| Common Stock | 17.7B | 17.62B | 17.59B | 17.63B | 17.73B | 17.32B | 19.4B | 21.01B | 20.86B |
| Additional Paid-in Capital | 17.7B | 17.62B | 17.59B | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 45.36B | 51.11B | 55.98B | 59.81B | 71.8B | 78.04B | 81.72B | 88.61B | 96.94B |
| Accumulated OCI | 4.35B | 4.82B | 4.25B | 3.41B | 0 | 0 | 0 | 8.5B | 0 |
| Treasury Stock | -27M | -18M | -58M | -132M | -112M | -339M | -240M | -50M | -78M |
| Preferred Stock | 6.41B | 6.31B | 5.71B | 5.95B | 6.72B | 7.32B | 7.32B | 9.02B | 11.64B |
RY Cash Flow Statement
Royal Bank of Canada (RY) cash flow — operating, investing & free cash flow history
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 37.73B | 17.47B | 14.27B | 138.82B | 61.04B | 21.94B | 26.08B | 23.14B | 55.22B |
| Operating CF Growth % | 40.47% | -53.68% | -18.36% | 873.14% | -56.03% | -64.06% | 18.85% | -11.27% | 138.64% |
| Net Income | 11.47B | 12.43B | 12.87B | 11.44B | 16.05B | 15.81B | 14.61B | 16.24B | 20.37B |
| Depreciation & Amortization | 1.62B | 1.65B | 1.93B | 2.65B | 2.59B | 2.65B | 2.85B | 2.98B | 3.08B |
| Deferred Taxes | 203M | 459M | -519M | -586M | 581M | 569M | -1.02B | -1.53B | -216M |
| Other Non-Cash Items | 626M | 1.12B | 1.42B | 4.07B | -1.06B | 233M | 2.4B | 3.11B | 4.16B |
| Working Capital Changes | 23.81B | 1.81B | -1.44B | 121.25B | 42.88B | 2.68B | 7.23B | 2.34B | 27.83B |
| Cash from Investing | -15.46B | -8.02B | -11.13B | -39.56B | -57.35B | -57.05B | -28.27B | -20.89B | -68.57B |
| Purchase of Investments | -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 |
| Net Investment Activity | -61.56B | -59.29B | -72.43B | -149.52B | -123.55B | -122.96B | -202.46B | -193.31B | -314.42B |
| Acquisitions | 0 | -51M | 67M | -22M | 78M | -2.36B | 1.71B | -12.7B | 0 |
| Other Investing | -4.81B | -3.81B | -1.87B | -676M | -40.62B | -28.37B | 18.74B | 5.07B | 15.66B |
| Cash from Financing | -8.65B | -7.72B | -7.46B | -7.75B | -5.93B | -2.19B | -9.83B | -8.15B | -6.71B |
| Dividends Paid | -5.31B | -5.64B | -6.03B | -6.33B | -6.42B | -6.96B | -5.55B | -6.64B | -8.8B |
| Share Repurchases | -7.9B | -7.35B | -7.54B | -7.17B | -6.22B | -11.28B | -4.08B | -6.67B | -13.49B |
| Stock Issued | 4.74B | 5.81B | 5.63B | 4.85B | 4.85B | 5.53B | 4.24B | 6.88B | 10.77B |
| Net Stock Activity | -3.16B | -1.54B | -1.92B | -2.33B | -1.36B | -5.76B | 164M | 209M | -2.72B |
| Debt Issuance (Net) | -1000K | 0 | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | -35M | -537M | -2M | -6M | -3M | -5M | -21M | -6M | -39M |
| Net Change in Cash | 13.48B▲ 0% | 1.8B▼ 86.6% | -3.9B▼ 316.4% | 92.58B▲ 2474.4% | -5.04B▼ 105.4% | -41.45B▼ 722.1% | -10.41B▲ 74.9% | -5.27B▲ 49.4% | -19.7B▼ 274.1% |
| Exchange Rate Effect | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 14.93B | 28.41B | 30.21B | 26.31B | 118.89B | 113.85B | 72.4B | 61.99B | 56.72B |
| Cash at End | 28.41B | 30.21B | 26.31B | 118.89B | 113.85B | 72.4B | 61.99B | 56.72B | 37.02B |
| Interest Paid | 8.8B | 13.51B | 19.98B | 13.06B | 7.55B | 13.68B | 54.7B | 73.64B | 70.98B |
| Income Taxes Paid | 4.71B | 5.82B | 2.98B | 2.88B | 4.2B | 7.33B | 4.96B | 3.41B | 6.09B |
| Free Cash Flow | 36.36B▲ 0% | 15.49B▼ 57.4% | 12B▼ 22.5% | 136.19B▲ 1034.5% | 58.86B▼ 56.8% | 19.44B▼ 67.0% | 23.35B▲ 20.1% | 20.86B▼ 10.7% | 52.98B▲ 154.0% |
| FCF Growth % | 42.04% | -57.39% | -22.52% | 1034.54% | -56.78% | -66.97% | 20.1% | -10.66% | 153.98% |
RY Banking Ratios
Royal Bank of Canada (RY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet 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% |
RY Frequently Asked Questions
Royal Bank of Canada (RY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Royal Bank of Canada (RY) grew revenue by 2.1% over the past year. Growth has been modest.
Yes, Royal Bank of Canada (RY) is profitable, generating $20.36B in net income for fiscal year 2025 (14.8% net margin).
Dividend & Returns
Yes, Royal Bank of Canada (RY) pays a dividend with a yield of 2.57%. This makes it attractive for income-focused investors.
Royal Bank of Canada (RY) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.
Industry Metrics
Royal Bank of Canada (RY) has a net interest margin (NIM) of 1.4%. NIM has been under pressure due to interest rate environment.
Royal Bank of Canada (RY) has an efficiency ratio of 26.6%. This is excellent, indicating strong cost control.
Explore More RY
Royal Bank of Canada (RY) financial analysis — history, returns, DCA and operating performance tools
Full RY Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates