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RY logo RY
Upturn stock ratingUpturn stock rating
RY logo

Royal Bank of Canada (RY)

Upturn stock ratingUpturn stock rating
$127.75
Last Close (24-hour delay)
Profit since last BUY7.73%
upturn advisory
Strong Buy
BUY since 34 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/13/2025: RY (3-star) is a STRONG-BUY. BUY since 34 days. Profits (7.73%). Updated daily EoD!

Upturn Star Rating

ratingratingratingratingrating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

16 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.

Year Target Price $133.76

Year Target Price $133.76

Analyst’s Price TargetsFor last 52 week
$133.76Target price
Low$100.29
Current$127.75
high$130.96

Analysis of Past Performance

Type Stock
Historic Profit 32.78%
Avg. Invested days 62
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/13/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 183.67B USD
Price to earnings Ratio 14.16
1Y Target Price 133.39
Price to earnings Ratio 14.16
1Y Target Price 133.39
Volume (30-day avg) -
Beta 1.02
52 Weeks Range 100.29 - 130.96
Updated Date 06/29/2025
52 Weeks Range 100.29 - 130.96
Updated Date 06/29/2025
Dividends yield (FY) 3.44%
Basic EPS (TTM) 9.16

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 31.33%
Operating Margin (TTM) 41.94%

Management Effectiveness

Return on Assets (TTM) 0.85%
Return on Equity (TTM) 14.35%

Valuation

Trailing PE 14.16
Forward PE 13.35
Enterprise Value -109078003712
Price to Sales(TTM) 3.16
Enterprise Value -109078003712
Price to Sales(TTM) 3.16
Enterprise Value to Revenue 12.25
Enterprise Value to EBITDA -
Shares Outstanding 1410310016
Shares Floating 1409233150
Shares Outstanding 1410310016
Shares Floating 1409233150
Percent Insiders 0.01
Percent Institutions 49.28

Analyst Ratings

Rating 4.31
Target Price 133.76
Buy 5
Strong Buy 8
Buy 5
Strong Buy 8
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Royal Bank of Canada

stock logo

Company Overview

overview logo History and Background

Royal Bank of Canada (RBC) was founded in 1864 in Halifax, Nova Scotia, as the Merchants Bank of Halifax. It evolved into a national bank, changing its name to Royal Bank of Canada in 1901. RBC has grown through acquisitions and organic expansion to become Canada's largest bank.

business area logo Core Business Areas

  • Personal & Commercial Banking: Offers a wide range of financial products and services to individuals and small businesses, including chequing and savings accounts, mortgages, loans, credit cards, and investment products.
  • Wealth Management: Provides investment and wealth management services to high-net-worth individuals, families, and institutions globally, including financial planning, portfolio management, and trust services.
  • Capital Markets: Offers investment banking, corporate banking, and trading services to corporations, governments, and institutional investors worldwide.
  • Insurance: Provides a range of insurance products and services, including life, health, home, and auto insurance.

leadership logo Leadership and Structure

The CEO is Dave McKay. RBC operates under a board of directors and is structured into business segments, each headed by senior executives. The organization is functionally aligned to support its various business lines.

Top Products and Market Share

overview logo Key Offerings

  • Residential Mortgages: RBC is a leading mortgage lender in Canada. Market share is estimated to be around 25%. Competitors include TD Bank, Bank of Nova Scotia, and CIBC. Data points are estimates based on financial publications.
  • Credit Cards: RBC offers a variety of credit cards with different rewards programs. Competitors include American Express, Visa (offered by other banks), and Mastercard (offered by other banks). Data points are estimates based on financial publications.
  • Investment Management: Provides investment solutions for individuals and institutions through RBC Global Asset Management. Competitors include BlackRock, Vanguard, and State Street.

Market Dynamics

industry overview logo Industry Overview

The financial services industry is undergoing digital transformation, facing increasing competition from fintech companies, and adapting to evolving regulatory landscapes and interest rate environments.

Positioning

RBC is the largest bank in Canada, with a strong presence in North America and a growing international footprint. Its competitive advantages include a strong brand, extensive branch network, and diversified business model.

Total Addressable Market (TAM)

The global financial services market is valued at trillions of dollars. RBC is positioned to capture a significant share of the Canadian market and expand its presence in key international markets. Precise figures are difficult to estimate due to the breadth of the market.

Upturn SWOT Analysis

Strengths

  • Strong brand recognition
  • Large customer base
  • Diversified business model
  • Strong capital position
  • Extensive branch network in Canada

Weaknesses

  • High operational costs associated with maintaining a large branch network
  • Exposure to Canadian housing market risks
  • Regulatory compliance costs
  • Slower growth compared to some fintech companies

Opportunities

  • Expansion into new geographic markets
  • Increased investment in digital technologies
  • Partnerships with fintech companies
  • Growth in wealth management business
  • Capturing market share in underserved segments

Threats

  • Increasing competition from fintech companies
  • Economic slowdown in Canada or the US
  • Rising interest rates
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • TD
  • BNS
  • CM

Competitive Landscape

RBC benefits from its size and brand but faces increasing competition from other large Canadian banks and fintech companies.

Major Acquisitions

Brewin Dolphin

  • Year: 2022
  • Acquisition Price (USD millions): 2
  • Strategic Rationale: Expanded RBC's wealth management business in the UK and Ireland.

Growth Trajectory and Initiatives

Historical Growth: RBC's growth has been driven by both organic expansion and acquisitions.

Future Projections: Analyst estimates for future growth are available on financial websites.

Recent Initiatives: Recent initiatives include investments in digital technologies and expansion into new markets.

Summary

Royal Bank of Canada is a dominant player in the Canadian banking sector, leveraging its strong brand and diversified operations. RBC faces challenges from fintech companies and evolving regulations. The bank is adapting by investing in digital technologies and expanding its wealth management business. Continued success depends on navigating these challenges and maintaining its competitive edge.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • RBC's Annual and Quarterly Reports
  • Financial News Articles
  • Market Research Reports

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Financial data is subject to change, and investment decisions should be based on thorough research and consultation with a financial professional.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Royal Bank of Canada

Exchange NYSE
Headquaters Toronto, ON, Canada
IPO Launch date 1995-10-16
President, CEO & Director Mr. David I. McKay
Sector Financial Services
Industry Banks - Diversified
Full time employees 94369
Full time employees 94369

Royal Bank of Canada operates as a diversified financial service company worldwide. Its Personal Banking segment offers home equity financing, personal lending, chequing and savings accounts, private banking, auto financing, mutual funds, GICs, credit cards, and payment products and solutions. The company's Commercial Banking segments provides lending, deposit and transaction banking products and services. Its Wealth Management segment provides a suite of wealth, investment, trust, banking, credit, and other solutions to clients; asset management products to institutional and individual clients; and asset and investor services to financial institutions, asset managers, and asset owners. The company's Insurance segment offers life, health, travel, wealth, annuities, property and casualty, and reinsurance advice and solutions; digital platforms; and independent brokers and partners, as well as client-led advice and solutions. The company's Capital Markets segment offers advisory and origination, sales and trading, lending and financing, and transaction banking services to corporations, institutional clients, asset managers, private equity firms, and governments. The company was founded in 1864 and is headquartered in Toronto, Canada.