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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
10/23/2026: RY (5-star) is currently NOT-A-BUY. Pass it for now.
Royal Bank of Canada (RY) is a diversified financial services powerhouse that serves as a cornerstone of the Canadian banking sector. The bank benefits from a strong domestic market position, balanced revenue streams, and a history of reliable dividend payments, making it a compelling option for income-focused investors. Its primary growth strategy centers on expanding its wealth management footprint and leveraging digital transformation to enhance efficiency. However, investors should monitor risks related to its significant Canadian economic concentration, housing market sensitivity, and integration challenges from large acquisitions. Overall, it serves as a stable, long-term holding for investors prioritizing capital preservation and consistent income over high-growth volatility.
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 | RBC offers steady, moderate growth rather than the high-volatility growth expected by aggressive investors. |
| Momentum investor | Mixed fit | Momentum performance is conditional on broader market sentiment toward the financial sector. |
| Value investor | Strong fit | RBC is often viewed as a value play due to its stable earnings and consistent dividend history. |
| Dividend investor | Strong fit | RBC is a staple for income-focused investors due to its long history of dividend payments. |
| Low-risk investor | Strong fit | As a large-cap, well-capitalized bank, RBC is generally considered a lower-risk financial equity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate fluctuations and economic cycles. |
| Valuation risk | Medium | Valuation is sensitive to changes in long-term growth expectations for the banking sector. |
| Competition risk (Fintech) | Medium / high | Digital-only competitors continue to pressure traditional banking margins and service models. |
| Business quality | Strong | RBC maintains a high-quality franchise with a dominant Canadian market position. |
| Dividend income | Strong | The bank has a strong track record of reliable and growing dividend distributions. |
| Execution risk | Medium | Integrating large acquisitions like HSBC Canada presents operational and cultural challenges. |
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 10/23/2026 |
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 278.51B USD | Price to earnings Ratio 17.58 | 1Y Target Price 212.92 |
Price to earnings Ratio 17.58 | 1Y Target Price 212.92 | ||
Volume (30-day avg) 1.3M shares | Beta 0.91 | 52 Weeks Range 140.59 - 218.11 | Updated Date 10/25/2026 |
52 Weeks Range 140.59 - 218.11 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 11.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal & Commercial Banking | Retail deposits, loans, mortgages, and business accounts. | This is the core, stable engine of the bank's daily earnings. |
| Wealth Management | Investment management, private banking, and brokerage fees. | Fees from managing client assets provide steady, recurring income. |
| Capital Markets | Corporate advisory, trading, and underwriting services. | This segment is more sensitive to market cycles and volatility. |
| Geography: Canada | Broad financial operations across the Canadian provinces. | Canada is the primary market driving the bulk of revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 17.58 | Forward PE 16 | Enterprise Value -44.73B | Price to Sales(TTM) 4.15 |
Enterprise Value -44.73B | Price to Sales(TTM) 4.15 | ||
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 49.39 |
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.
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