Royal Bank of Canada

RY.TO (TSX: RY) TSX
Sector: Financial Services · Industry: — · Exchange: TSX
289.39 -0.61 (-0.2%) Market cap: $400.64B
52-week range low 205.46 · Nov 14, 2025high 305.74 · Jul 15, 2026

At a glance

Price chart

Split- and dividend-adjusted. All three lines are rebased to 100 at the start of the range, so the chart compares moves, not prices. L marks a LONG plan, S a SHORT plan — each links to that session's day page.

PriceComposite (XIU.TO, proxy)Sector fund (iShares S&P/TSX Capped Financials Index ETF (XFN.TO))
RY.TO price, 1M +8% +0% -1% Oct 13, 2026 Nov 12, 2026 Volume
RY.TO price, 6M +25% +0% -1% May 13, 2026 Nov 12, 2026 Volume
RY.TO price, 1Y +51% +0% -5% Nov 11, 2025 Nov 12, 2026 Volume
RY.TO price, 5Y +136% +0% -28% Nov 12, 2021 Nov 10, 2026 Volume
Monthly closes (table version, last 5 years)
Monthly closes, adjusted
MonthClose
2021-12134.25
2022-01144.93
2022-02140.21
2022-03137.64
2022-04129.75
2022-05132.17
2022-06124.64
2022-07124.86
2022-08122.13
2022-09124.37
2022-10126.05
2022-11133.78
2022-12127.30
2023-01136.16
2023-02138.54
2023-03129.25
2023-04134.51
2023-05121.43
2023-06126.52
2023-07130.73
2023-08121.74
2023-09118.70
2023-10110.76
2023-11122.62
2023-12134.00
2024-01131.21
2024-02131.80
2024-03136.62
2024-04133.19
2024-05148.98
2024-06145.65
2024-07154.28
2024-08162.98
2024-09168.80
2024-10168.39
2024-11176.16
2024-12173.32
2025-01177.18
2025-02170.98
2025-03162.10
2025-04165.47
2025-05173.94
2025-06179.47
2025-07177.79
2025-08199.58
2025-09205.12
2025-10205.47
2025-11216.14
2025-12233.99
2026-01226.72
2026-02228.07
2026-03224.88
2026-04244.31
2026-05264.44
2026-06293.68
2026-07293.41
2026-08283.40
2026-09279.94
2026-10283.93
2026-11289.39

The Composite is proxied by XIU.TO (iShares S&P/TSX 60 Index ETF); the database holds no Composite index series. The sector fund is a fund, never the index.

Performance

Over the past year the stock is up 39.9% against +20.0% for the Composite — 19.9 points ahead.

Returns by period; 3Y and 5Y are annualized
Metric1W1M3M6MYTD1Y3Y5Y
Stock+1.2%+5.7%-2.7%+17.2%+23.7%+39.9%+35.3%+16.8%
Sector fund (XFN.TO)+1.8%+6.9%-0.4%+15.1%+23.5%+32.6%+30.9%+13.9%
Composite (XIU.TO, proxy)+1.8%+2.8%-0.1%+9.4%+16.1%+20.0%+22.0%+10.5%
Difference vs Composite-0.6%+2.9%-2.7%+7.8%+7.6%+19.9%+13.3%+6.3%

3Y and 5Y are annualized from 3Y. The Composite is proxied by XIU.TO; the sector fund is iShares S&P/TSX Capped Financials Index ETF (XFN.TO).

Risk and trading

1-year volatility +15.9% (annualized); largest fall from a peak -11.4% (Jul 15, 2026 to Oct 8, 2026); beta 0.82 against the Composite (2Y weekly).

Risk and trading, prices to Nov 12, 2026
Volatility (1Y, annualized)+15.9%
Maximum drawdown (1Y)-11.4% (Jul 15, 2026 to Oct 8, 2026)
Beta (2Y weekly, vs Composite)0.82
Average daily volume (3M)3,170,390
Dollar volume (3M, average per day)$901.4M
LiquidityHigh (High: $1M or more a day; Moderate: $100K or more; Low: under $100K, by average daily dollar volume.)

Valuation

P/E 18.2 — lower than 20% of Financial Services peers (103 companies). The sector median P/E is 10.7.

Valuation multiples, snapshot Nov 12, 2026
MultipleValueAgainst sector peers
P/E (TTM)18.2 Lower than 20% of peers (103 companies; median 10.7)
Earnings yield5.48%—
P/B2.99 Lower than 11% of peers (101 companies; median 1.04)
P/SNot available: Not available — needs TTM revenue; see financials.—
EV/EBITDANot available: Not stored—
Dividend yield2.43%—
Payout ratioNot available: Not available — no stored dividend history yet.—

Each multiple is shown against the sector median of the pages' universe as a percentile: "lower than 25% of peers" means the value sits below 25% of them. Valuation multiples are from the Nov 12, 2026 snapshot, and are always printed with that date.

More: dividend rate and earnings yield

Dividend rate: 7.04. Earnings yield is earnings per share divided by price — the inverse of P/E.

Financials

Revenue $66.53B in 2025 (TTM $71.06B); net income $20.36B; free cash flow $52.98B. Reporting currency: CAD.

Annual figures, last 4 fiscal years, plus TTM
Metric2022202320242025TTM
Revenue$48.77B$51.59B$57.49B$66.53B$71.06B
Gross margin—————
Net income$15.79B$14.61B$16.23B$20.36B$22.75B
Free cash flow$19.44B$23.35B$20.86B$52.98B$77.14B
Diluted shares1,385,591,2471,400,510,5721,414,504,2991,400,114,000—

Revenue by year

2022202320242025

Free cash flow by year

2022202320242025
Balance sheet, latest annual row
Cash$87.39B
Total debt$545.44B
Debt-to-equity3.92
Operating margin (latest snapshot, Nov 12, 2026)45.7%

Figures as reported in stored financials; reporting currency CAD. Operating margin is not stored per year, so the latest snapshot value is shown. TTM covers 2025-10-31, 2026-01-31, 2026-04-30, 2026-07-31.

Dividends and splits

Pays a 2.43% trailing dividend yield (as of Nov 12, 2026). No splits on record.

Dividend history, last 5 years
YearDividend per share
Not available: No stored dividend history yet.

Trailing yield 2.43% is the stored key-stats snapshot value (as of Nov 12, 2026) — the dividend history itself is not stored yet, so no history table is shown.

Split history (from the split inventory)
DateActionRatio
Not available: No splits on record for this ticker.

Next ex-dividend date: Not available: No stored ex-dividend dates for equities. Prices on the chart are split- and dividend-adjusted (no splits on record, so nothing to adjust).

Ownership and dilution

Insiders bought 0 times and sold 15 times in the 90 days to Nov 12, 2026. Shares outstanding fell 1.0% over 1 year.

Ownership, insider window 2026-08-14 to 2026-11-12
Insider buys (90 days)0
Insider sell (90 days)15
Shares outstanding change (1Y)-1.0%
Shares outstanding change (3Y)+1.0%
Held by insiders0.03%
Held by institutions50.65%

Counts are by filing date. Holdings are from the key-stats snapshot (as of Nov 12, 2026).

Recent insider trades (20)
Filing dateTypeNameSharesPriceValue
Oct 1, 2026OTHERDOUVAS (MARIA ELENA)8,48267.90$576K
Oct 1, 2026SELLDOUVAS (MARIA ELENA)8,482193.19$1.6M
Oct 1, 2026OTHERDOUVAS (MARIA ELENA)9,06673.64$668K
Oct 1, 2026SELLDOUVAS (MARIA ELENA)9,066193.42$1.8M
Oct 1, 2026OTHERDOUVAS (MARIA ELENA)9,60474.54$716K
Oct 1, 2026SELLDOUVAS (MARIA ELENA)9,604193.54$1.9M
Sep 29, 2026OTHERROYAL BANK OF CANADA200,000199.70$39.9M
Sep 28, 2026OTHERROYAL BANK OF CANADA200,000201.44$40.3M
Sep 25, 2026OTHERROYAL BANK OF CANADA200,000201.19$40.2M
Sep 24, 2026OTHERROYAL BANK OF CANADA200,000199.30$39.9M
Sep 23, 2026OTHERROYAL BANK OF CANADA200,000201.59$40.3M
Sep 22, 2026OTHERROYAL BANK OF CANADA200,000204.06$40.8M
Sep 21, 2026OTHERROYAL BANK OF CANADA200,000205.40$41.1M
Sep 18, 2026OTHERROYAL BANK OF CANADA200,000202.71$40.5M
Sep 17, 2026OTHERROYAL BANK OF CANADA200,000203.44$40.7M
Sep 16, 2026OTHERROYAL BANK OF CANADA350,000203.51$71.2M
Sep 15, 2026OTHERROYAL BANK OF CANADA350,000203.53$71.2M
Sep 14, 2026OTHERROYAL BANK OF CANADA350,000205.48$71.9M
Sep 11, 2026OTHERROYAL BANK OF CANADA235,000205.94$48.4M
Sep 10, 2026OTHERROYAL BANK OF CANADA235,000205.98$48.4M

Peers

Peers in Financial Services, by market cap: BRK.TO, JPM.TO, VISA.TO, BOFA.TO, MS.TO, WFCS.TO, GS.TO, TD.TO.

Peers in Financial Services, by market cap (prices to Nov 12, 2026)
TickerPrice1Y %Market capP/EEV/EBITDADiv yield1Y vol
BRK.TO42.48+15.8%$1636.25B16.8-2.00.00%+14.8%
JPM.TO43.50—$1188.32B14.5——+22.1%
VISA.TO38.10—$1023.77B34.6——+23.0%
BOFA.TO25.08—$454.58B12.1——+24.1%
MS.TO37.91—$394.76B15.1——+31.4%
WFCS.TO23.62—$351.77B12.2——+29.0%
GS.TO43.30—$342.74B13.2——+34.3%
TD.TO176.69+54.5%$288.54B18.9—2.53%+17.7%

Each row links to its own page when one exists. Peer 1Y returns and volatility use raw closes; peer splits are unadjusted.

analiti.ca history

No published plans for this ticker.

Every published plan for this ticker (outcome under the full ladder; first exit shown second)
DateSideEntryStopFirst exitExitsOutcome (full ladder)First exitHold
Not available: No published plans for this ticker.

The full ladder is the headline method: 40/30/20% at the three exits, the last slice held to stop or end. First exit credits the whole position at the first exit level. Full history: the track record.

Superstock score

No Superstock score published for this ticker. The score is the published Superstock screen score — nothing else.

Sector condition: Financial Services — Leading (as of Nov 5, 2026). Superstock screen.

Key dates

Next earningsNot available: No company release or exchange notice in the stored data — stored dates are Yahoo-sourced, so none is shown.
Last earningsAug 27, 2026 · EPS 4.28
Next ex-dividendNot available: No stored ex-dividend dates for equities.

The next earnings date is shown only from the company's own release or an exchange notice, with a link. The stored last-earnings date is Yahoo-sourced.

Sources and data notes

BlockSourceAs of
prices, chart, performance, riskdaily_prices (Yahoo)Nov 12, 2026
valuation, market cap, ownershipyahoo_key_stats snapshotNov 12, 2026
financialsfinancials (Yahoo)Jul 31, 2026
plans, resolutionspublished entries-*.json + track-record.jsonNov 12, 2026
insidersinsider_trades (SEDI filings)Nov 12, 2026
splitsSplit inventory (interim table)Nov 5, 2026
sector conditionconditions-2026-11-05.jsonNov 5, 2026
Superstock scoresuperstock_checks + superstock.jsonNov 12, 2026

Not available rules. A field older than its freshness limit shows "not available", never a stale number: prices, 3 trading days; fundamentals, 120 days after the fiscal period end plus 45 days. Valuation multiples are always printed with their snapshot date.

Data file: /data/t/RY.TO.json · Markdown twin: /t/RY.TO.md

Facts and published history only. Plans are generated by a quant model.