ROYAL BANK OF CANADA - RY 5.885 PERP (RY-PR-S.CA) Stock Fundamental Analysis
TSX:RY-PR-S - Toronto Stock Exchange - CA78013R3909 - Currency: CAD
RY-PR-S gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 31 industry peers in the Banks industry. There are concerns on the financial health of RY-PR-S while its profitability can be described as average. RY-PR-S scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year RY-PR-S was profitable.
In the past year RY-PR-S had a positive cash flow from operations.
RY-PR-S had positive earnings in each of the past 5 years.
Each year in the past 5 years RY-PR-S had a positive operating cash flow.
1.2 Ratios
RY-PR-S's Return On Assets of 0.73% is fine compared to the rest of the industry. RY-PR-S outperforms 64.52% of its industry peers.
RY-PR-S has a better Return On Equity (12.52%) than 67.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 12.52% | ||
| 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-S has a better Profit Margin (27.74%) than 61.29% of its industry peers.
In the last couple of years the Profit Margin of RY-PR-S has remained more or less at the same level.
RY-PR-S 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) | 27.74% | ||
| 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-S does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RY-PR-S has more shares outstanding
The number of shares outstanding for RY-PR-S has been reduced compared to 5 years ago.
Compared to 1 year ago, RY-PR-S has an improved debt to assets ratio.
2.2 Solvency
RY-PR-S has a debt to FCF ratio of 16.98. This is a negative value and a sign of low solvency as RY-PR-S would need 16.98 years to pay back of all of its debts.
RY-PR-S has a Debt to FCF ratio of 16.98. This is amonst the worse of the industry: RY-PR-S underperforms 83.87% of its industry peers.
A Debt/Equity ratio of 2.79 is on the high side and indicates that RY-PR-S has dependencies on debt financing.
RY-PR-S has a worse Debt to Equity ratio (2.79) than 80.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.79 | ||
| Debt/FCF | 16.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RY-PR-S shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.42%.
Measured over the past 5 years, RY-PR-S shows a small growth in Earnings Per Share. The EPS has been growing by 6.36% on average per year.
The Revenue has been growing slightly by 2.16% in the past year.
The Revenue has been growing slightly by 4.51% on average over the past years.
EPS 1Y (TTM)6.42%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%10.43%
Revenue 1Y (TTM)2.16%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%15.72%
3.2 Future
Based on estimates for the next years, RY-PR-S will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.58% on average per year.
The Revenue is expected to grow by 4.76% on average over the next years.
EPS Next Y10.86%
EPS Next 2Y10.17%
EPS Next 3Y8.58%
EPS Next 5YN/A
Revenue Next Year8.17%
Revenue Next 2Y6.62%
Revenue Next 3Y4.76%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.14, which indicates a rather cheap valuation of RY-PR-S.
Compared to the rest of the industry, the Price/Earnings ratio of RY-PR-S indicates a rather cheap valuation: RY-PR-S is cheaper than 87.10% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of RY-PR-S to the average of the S&P500 Index (29.63), we can say RY-PR-S is valued rather cheaply.
RY-PR-S is valuated cheaply with a Price/Forward Earnings ratio of 1.93.
RY-PR-S's Price/Forward Earnings ratio is rather cheap when compared to the industry. RY-PR-S is cheaper than 87.10% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RY-PR-S to the average of the S&P500 Index (22.68), we can say RY-PR-S is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.14 | ||
| Fwd PE | 1.93 |
4.2 Price Multiples
64.52% of the companies in the same industry are more expensive than RY-PR-S, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RY-PR-S's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.2
PEG (5Y)0.34
EPS Next 2Y10.17%
EPS Next 3Y8.58%
5. Dividend
5.1 Amount
RY-PR-S has a Yearly Dividend Yield of 3.49%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 3.49, RY-PR-S pays less dividend than the industry average, which is at 4.02. 80.65% of the companies listed in the same industry pay a better dividend than RY-PR-S!
RY-PR-S's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
5.2 History
The dividend of RY-PR-S has a limited annual growth rate of 2.34%.
RY-PR-S has been paying a dividend for over 5 years, so it has already some track record.
RY-PR-S has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.34%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
RY-PR-S pays out 41.72% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of RY-PR-S is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.72%
EPS Next 2Y10.17%
EPS Next 3Y8.58%
ROYAL BANK OF CANADA - RY 5.885 PERP
TSX:RY-PR-S (2/21/2025, 7:00:00 PM)
25.9
-0.04 (-0.15%)
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 Cap36.63B
Analysts81.67
Price Target27.81 (7.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend4.71
Dividend Growth(5Y)2.34%
DP41.72%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.9%
Min EPS beat(2)-0.92%
Max EPS beat(2)6.71%
EPS beat(4)2
Avg EPS beat(4)1.88%
Min EPS beat(4)-1.26%
Max EPS beat(4)6.71%
EPS beat(8)5
Avg EPS beat(8)0.87%
EPS beat(12)8
Avg EPS beat(12)0.98%
EPS beat(16)11
Avg EPS beat(16)2.32%
Revenue beat(2)0
Avg Revenue beat(2)-0.67%
Min Revenue beat(2)-1.13%
Max Revenue beat(2)-0.22%
Revenue beat(4)1
Avg Revenue beat(4)-0.65%
Min Revenue beat(4)-2.8%
Max Revenue beat(4)1.54%
Revenue beat(8)4
Avg Revenue beat(8)1.12%
Revenue beat(12)5
Avg Revenue beat(12)-0.05%
Revenue beat(16)8
Avg Revenue beat(16)0.72%
PT rev (1m)3.42%
PT rev (3m)12.24%
EPS NQ rev (1m)1.51%
EPS NQ rev (3m)3.34%
EPS NY rev (1m)0.6%
EPS NY rev (3m)0.87%
Revenue NQ rev (1m)1.76%
Revenue NQ rev (3m)6%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)1.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.14 | ||
| Fwd PE | 1.93 | ||
| P/S | 0.64 | ||
| P/FCF | 1.76 | ||
| P/OCF | 1.58 | ||
| P/B | 0.29 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.1
EY46.72%
EPS(NY)13.41
Fwd EY51.79%
FCF(TTM)14.75
FCFY56.94%
OCF(TTM)16.36
OCFY63.17%
SpS40.54
BVpS89.86
TBVpS70.71
PEG (NY)0.2
PEG (5Y)0.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 12.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.74% | ||
| GM | N/A | ||
| FCFM | 36.38% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.79 | ||
| Debt/FCF | 16.98 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 76.48% | ||
| Cap/Sales | 3.98% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.54%
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)6.42%
EPS 3Y2.64%
EPS 5Y6.36%
EPS Q2Q%10.43%
EPS Next Y10.86%
EPS Next 2Y10.17%
EPS Next 3Y8.58%
EPS Next 5YN/A
Revenue 1Y (TTM)2.16%
Revenue growth 3Y4.89%
Revenue growth 5Y4.51%
Sales Q2Q%15.72%
Revenue Next Year8.17%
Revenue Next 2Y6.62%
Revenue Next 3Y4.76%
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 1Y-10.66%
FCF growth 3Y-29.23%
FCF growth 5Y11.68%
OCF growth 1Y-11.27%
OCF growth 3Y-27.63%
OCF growth 5Y10.16%