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Upturn AI SWOT - About
RY 
Royal Bank of Canada (RY)
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Upturn Advisory Summary
07/02/2025: RY (3-star) is a STRONG-BUY. BUY since 46 days. Profits (10.62%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $134
1 Year Target Price $134
| 8 | Strong Buy |
| 5 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.34% | Avg. Invested days 64 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 184.99B USD | Price to earnings Ratio 14.29 | 1Y Target Price 134 |
Price to earnings Ratio 14.29 | 1Y Target Price 134 | ||
Volume (30-day avg) 16 | Beta 1.02 | 52 Weeks Range 100.29 - 132.43 | Updated Date 07/2/2025 |
52 Weeks Range 100.29 - 132.43 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 3.39% | Basic EPS (TTM) 9.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
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 14.29 | Forward PE 12.74 | Enterprise Value -106483089408 | Price to Sales(TTM) 3.18 |
Enterprise Value -106483089408 | Price to Sales(TTM) 3.18 | ||
Enterprise Value to Revenue 12.29 | Enterprise Value to EBITDA - | Shares Outstanding 1410310016 | Shares Floating 1409233150 |
Shares Outstanding 1410310016 | Shares Floating 1409233150 | ||
Percent Insiders 0.01 | Percent Institutions 49.43 |
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 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.
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 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
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
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
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.
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 94369 | Website https://www.rbc.com |
Full time employees 94369 | 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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