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Upturn AI Summary - About
Royal Bank of Canada(RY)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RY
09/25/2026: RY (5-star) is currently NOT-A-BUY. Pass it for now.
Royal Bank of Canada is a large, diversified financial institution and a leading player in the Canadian banking sector. The company's strengths lie in its stable retail banking franchise, successful expansion into global wealth management, and strong capital discipline. Its growth story centers on digital transformation and expanding its international footprint, most notably through recent large-scale acquisitions. Key risks include exposure to the Canadian housing market, regulatory pressure, and the need to evolve against new digital competitors. RBC is generally well-suited for income-focused and long-term conservative investors who should monitor the bank's net interest margins, credit quality in the Canadian portfolio, and progress in integrating its recent major acquisitions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the company expands globally, its size and business model prioritize stability over high-growth volatility. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive price upturn, as the stock typically follows broader financial sector cycles. |
| Value investor | Strong fit | The bank often trades at reasonable valuation multiples relative to its earnings stability and market position. |
| Dividend investor | Strong fit | RBC is widely recognized for a reliable and consistently growing dividend yield. |
| Low-risk investor | Strong fit | As a major, highly regulated financial institution, it is considered a core, lower-volatility holding within the sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial stocks can fluctuate based on macro economic data and interest rate expectations. |
| Valuation risk | Medium | Market pricing relative to book value can change based on perceived growth potential. |
| Competition risk (Banking competition) | Medium / high | Intense competition for retail deposits and commercial lending limits pricing power. |
| Business quality | Strong | The bank has a well-established franchise with high barriers to entry. |
| Dividend income | Strong | Consistent payout history makes it a staple for income-focused portfolios. |
| Execution risk | Medium | Success depends on the integration of large acquisitions and effective digital transformation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 122.54% | Avg. Invested days 80 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 279.63B USD | Price to earnings Ratio 18.02 | 1Y Target Price 208.92 |
Price to earnings Ratio 18.02 | 1Y Target Price 208.92 | ||
Volume (30-day avg) 1.2M shares | Beta 0.92 | 52 Weeks Range 139.29 - 218.11 | Updated Date 09/27/2026 |
52 Weeks Range 139.29 - 218.11 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 11.21 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal & Commercial Banking | Retail mortgages, deposits, credit cards, and business lending in Canada. | This is the core engine of the company, generating stable income from everyday banking activities. |
| Wealth Management | Investment management, trust, and advisory fees globally. | This segment provides higher-margin, fee-based revenue that is less sensitive to interest rate volatility. |
| Capital Markets | Trading, investment banking, and financial advisory services. | This area captures revenue from corporate and institutional clients, which can be cyclical based on market conditions. |
| Geography: Canada | The primary market for most retail and commercial operations. | RBC is highly exposed to the Canadian economy, making its performance closely tied to local economic health. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 18.02 | Forward PE 16 | Enterprise Value -43.61B | Price to Sales(TTM) 4.16 |
Enterprise Value -43.61B | Price to Sales(TTM) 4.16 | ||
Enterprise Value to Revenue 14.13 | Enterprise Value to EBITDA - | Shares Outstanding 1.38B | Shares Floating 1.38B |
Shares Outstanding 1.38B | Shares Floating 1.38B | ||
Percent Insiders 0.03 | Percent Institutions 49.73 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
News (Last Updated: 09/27/2026)
About Royal Bank of Canada
Exchange NYSE | Headquarters 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 101269 | Website https://www.rbc.com |
Full time employees 101269 | Website https://www.rbc.com | ||
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 based in Toronto, Canada.
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