ROYAL BANK OF CANADA - RY 3.2 PERP (RY-PR-J.CA) Stock Fundamental Analysis
TSX:RY-PR-J - Toronto Stock Exchange - CA78012Q1129 - Currency: CAD
Overall RY-PR-J gets a fundamental rating of 4 out of 10. We evaluated RY-PR-J against 30 industry peers in the Banks industry. There are concerns on the financial health of RY-PR-J while its profitability can be described as average. RY-PR-J is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year RY-PR-J was profitable.
RY-PR-J had a positive operating cash flow in the past year.
In the past 5 years RY-PR-J has always been profitable.
Each year in the past 5 years RY-PR-J had a positive operating cash flow.
1.2 Ratios
RY-PR-J has a Return On Assets of 0.79%. This is amongst the best in the industry. RY-PR-J outperforms 90.00% of its industry peers.
RY-PR-J has a better Return On Equity (13.06%) than 73.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.06% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RY-PR-J's Profit Margin of 28.71% is fine compared to the rest of the industry. RY-PR-J outperforms 66.67% of its industry peers.
RY-PR-J's Profit Margin has been stable in the last couple of years.
RY-PR-J does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.41%
PM growth 5Y0.27%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RY-PR-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RY-PR-J has been increased compared to 1 year ago.
Compared to 5 years ago, RY-PR-J has less shares outstanding
Compared to 1 year ago, RY-PR-J has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of RY-PR-J is 6.24, which is on the high side as it means it would take RY-PR-J, 6.24 years of fcf income to pay off all of its debts.
RY-PR-J's Debt to FCF ratio of 6.24 is amongst the best of the industry. RY-PR-J outperforms 86.67% of its industry peers.
A Debt/Equity ratio of 2.51 is on the high side and indicates that RY-PR-J has dependencies on debt financing.
RY-PR-J has a Debt to Equity ratio of 2.51. This is in the lower half of the industry: RY-PR-J underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 6.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.74% over the past year.
The Earnings Per Share has been growing slightly by 6.36% on average over the past years.
RY-PR-J shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.15%.
Measured over the past years, RY-PR-J shows a small growth in Revenue. The Revenue has been growing by 4.51% on average per year.
EPS 1Y (TTM)15.74%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%27.02%
Revenue 1Y (TTM)11.15%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%24.13%
3.2 Future
The Earnings Per Share is expected to grow by 9.87% on average over the next years. This is quite good.
RY-PR-J is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.49% yearly.
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue Next Year11.68%
Revenue Next 2Y7.47%
Revenue Next 3Y5.49%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.94 indicates a rather cheap valuation of RY-PR-J.
90.00% of the companies in the same industry are more expensive than RY-PR-J, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.92. RY-PR-J is valued rather cheaply when compared to this.
RY-PR-J is valuated cheaply with a Price/Forward Earnings ratio of 1.68.
Based on the Price/Forward Earnings ratio, RY-PR-J is valued cheaper than 90.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, RY-PR-J is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.94 | ||
| Fwd PE | 1.68 |
4.2 Price Multiples
90.00% of the companies in the same industry are more expensive than RY-PR-J, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-J's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.13
PEG (5Y)0.3
EPS Next 2Y10.75%
EPS Next 3Y9.87%
5. Dividend
5.1 Amount
RY-PR-J has a Yearly Dividend Yield of 3.68%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 3.68, RY-PR-J pays less dividend than the industry average, which is at 4.53. 83.33% of the companies listed in the same industry pay a better dividend than RY-PR-J!
Compared to an average S&P500 Dividend Yield of 2.51, RY-PR-J pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
5.2 History
The dividend of RY-PR-J has a limited annual growth rate of 2.34%.
RY-PR-J has been paying a dividend for at least 10 years, so it has a reliable track record.
RY-PR-J has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.34%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
RY-PR-J pays out 43.10% of its income as dividend. This is a bit on the high side, but may be sustainable.
RY-PR-J's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.1%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
ROYAL BANK OF CANADA - RY 3.2 PERP
TSX:RY-PR-J (4/24/2025, 7:00:00 PM)
24.93
-0.2 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.32%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.26B
Analysts83.33
Price Target28.22 (13.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
Yearly Dividend4.71
Dividend Growth(5Y)2.34%
DP43.1%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.43%
Min EPS beat(2)-0.92%
Max EPS beat(2)7.78%
EPS beat(4)3
Avg EPS beat(4)4.14%
Min EPS beat(4)-0.92%
Max EPS beat(4)7.78%
EPS beat(8)5
Avg EPS beat(8)1.54%
EPS beat(12)8
Avg EPS beat(12)1.47%
EPS beat(16)11
Avg EPS beat(16)1.87%
Revenue beat(2)1
Avg Revenue beat(2)1.99%
Min Revenue beat(2)-0.22%
Max Revenue beat(2)4.2%
Revenue beat(4)2
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-1.13%
Max Revenue beat(4)4.2%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.07%
Revenue beat(16)8
Avg Revenue beat(16)0.46%
PT rev (1m)6.97%
PT rev (3m)8.85%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)3.23%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.94 | ||
| Fwd PE | 1.68 | ||
| P/S | 0.58 | ||
| P/FCF | 0.66 | ||
| P/OCF | 0.63 | ||
| P/B | 0.26 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.87
EY51.62%
EPS(NY)14.84
Fwd EY59.53%
FCF(TTM)37.8
FCFY151.61%
OCF(TTM)39.55
OCFY158.64%
SpS42.84
BVpS94.15
TBVpS74.86
PEG (NY)0.13
PEG (5Y)0.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 13.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.71% | ||
| GM | N/A | ||
| FCFM | 88.22% |
ROA(3y)0.76%
ROA(5y)0.78%
ROE(3y)13.11%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.41%
PM growth 5Y0.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 6.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 80.46% | ||
| Cap/Sales | 4.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 307.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.53%
ROIC/WACCN/A
Cap/Depr(3y)88.62%
Cap/Depr(5y)89.9%
Cap/Sales(3y)4.65%
Cap/Sales(5y)4.78%
Profit Quality(3y)138.62%
Profit Quality(5y)401.74%
High Growth Momentum
Growth
EPS 1Y (TTM)15.74%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%27.02%
EPS Next Y14.44%
EPS Next 2Y10.75%
EPS Next 3Y9.87%
EPS Next 5YN/A
Revenue 1Y (TTM)11.15%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%24.13%
Revenue Next Year11.68%
Revenue Next 2Y7.47%
Revenue Next 3Y5.49%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y85.88%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y78.33%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%