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Upturn AI SWOT - About
RY 
Royal Bank of Canada (RY)
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Upturn Advisory Summary
09/15/2025: RY (4-star) is a STRONG-BUY. BUY since 97 days. Simulated Profits (23.64%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $148.38
1 Year Target Price $148.38
| 8 | Strong Buy |
| 5 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 52.41% | Avg. Invested days 75 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 205.04B USD | Price to earnings Ratio 15.11 | 1Y Target Price 148.38 |
Price to earnings Ratio 15.11 | 1Y Target Price 148.38 | ||
Volume (30-day avg) 16 | Beta 1.06 | 52 Weeks Range 104.30 - 147.64 | Updated Date 09/15/2025 |
52 Weeks Range 104.30 - 147.64 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 4.11% | Basic EPS (TTM) 9.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-27 | When Before Market | Estimate 3.29 | Actual 3.84 |
Profitability
Profit Margin 31.77% | Operating Margin (TTM) 45.38% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 14.73% |
Valuation
Trailing PE 15.11 | Forward PE 13.32 | Enterprise Value -75940478976 | Price to Sales(TTM) 3.4 |
Enterprise Value -75940478976 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 12.68 | Enterprise Value to EBITDA - | Shares Outstanding 1410310016 | Shares Floating 1403669467 |
Shares Outstanding 1410310016 | Shares Floating 1403669467 | ||
Percent Insiders 0.04 | Percent Institutions 49.05 |
Upturn AI SWOT
Royal Bank of Canada
Company Overview
History and Background
Royal Bank of Canada (RBC) was founded in 1864 in Halifax, Nova Scotia, as Merchants Bank. It evolved through mergers and acquisitions to become the largest bank in Canada. It has expanded its presence internationally, including significant operations in the US and other global markets.
Core Business Areas
- Personal & Commercial Banking: Provides a wide range of financial products and services to individual and small business clients, including deposit accounts, loans, credit cards, and investment products.
- Wealth Management: Offers investment and wealth management solutions to high-net-worth individuals and institutional clients.
- Capital Markets: Provides investment banking, trading, and corporate banking services to corporations, governments, and institutional investors.
- Insurance: Offers a variety of insurance products, including life, health, and home insurance.
Leadership and Structure
The leadership team is headed by the CEO, Dave McKay. The organizational structure is hierarchical, with various business segments reporting to senior executives. The board of directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Mortgages: Offers residential mortgages to consumers. Royal Bank of Canada's market share in Canadian mortgages is estimated to be around 25%. Competitors include TD Bank, Scotiabank, and BMO. Revenue cannot be isolated for mortgages alone.
- Credit Cards: Provides a range of credit cards with various rewards and benefits. Competitors include TD Bank, Scotiabank, and American Express. Market share for credit cards in Canada is approximately 22%. Revenue cannot be isolated for credit cards alone.
- Investment Banking: Offers advisory services, underwriting, and trading services to corporate clients. Competitors include Goldman Sachs, Morgan Stanley, and JP Morgan Chase. Market share varies depending on deal flow but has ranked among the top 5 in Canadian markets in recent years. Revenue cannot be isolated for investment banking alone.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, digital transformation, and regulatory scrutiny. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Royal Bank of Canada is positioned as a leading financial institution in Canada and a growing player in international markets. Its competitive advantages include its strong brand, large customer base, and diversified business model.
Total Addressable Market (TAM)
The global banking market is estimated to be worth trillions of dollars. Royal Bank of Canada is positioned to capture a share of this TAM through its various business segments and international expansion. Cannot provide an exact number, but its domestic market is well established.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large customer base
- Diversified business model
- Strong capital position
- Extensive branch network in Canada
Weaknesses
- Reliance on the Canadian market
- Exposure to regulatory risks
- IT systems integration complexities
- High operating costs compared to digital competitors
- Limited global reach compared to US counterparts
Opportunities
- Expansion into new international markets
- Growth in wealth management and investment banking
- Digital transformation initiatives
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Economic slowdown in Canada or globally
- Rising interest rates
- Cybersecurity threats
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- TD
- BMO
- BNS
- CM
Competitive Landscape
Royal Bank of Canada benefits from a strong domestic presence and diversified business model. However, US banks often have greater scale and resources.
Major Acquisitions
Brewin Dolphin
- Year: 2022
- Acquisition Price (USD millions): 2.1
- Strategic Rationale: Expanded RBCu2019s wealth management presence in the UK and Ireland, increasing its client base and assets under management. (in Billions of GBP)
Growth Trajectory and Initiatives
Historical Growth: Royal Bank of Canada has demonstrated steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Royal Bank of Canada, driven by expansion into new markets and digital transformation initiatives.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into wealth management, and acquisitions of smaller companies.
Summary
Royal Bank of Canada is a strong player in the Canadian banking industry with a well-diversified business model, but its reliance on its Canadian market may create issues in the future. The bank is well-positioned for future growth through strategic acquisitions and its ongoing investments in digital transformation. RBC must continue to innovate and adapt to changing market conditions to maintain its competitive advantage against the rising fintech organizations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Royal Bank of Canada Investor Relations
- MarketWatch
- Company filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market conditions and company performance are subject to change. Market share data is approximated and based on available resources.
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.
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 97116 | Website https://www.rbc.com |
Full time employees 97116 | 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 headquartered in Toronto, Canada.
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