Royal Bank Of Canada

Ticker: RY

Business Overview

Royal Bank of Canada operates as a diversified financial service company worldwide. Its offerings include Personal Banking products such as home equity financing, lending, and various accounts; Commercial Banking services like lending and deposit products; and Wealth Management solutions for institutional and individual clients. Additionally, the company provides insurance advice and solutions through its Insurance segment, and offers advisory, sales, and trading services via its Capital Markets segment.

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 based in Toronto, Canada.

Company Facts

Ticker: RY
Exchange: NYSE
Sector: Financials
Industry group: Banks
Industry: Commercial Banks
SIC classification: Commercial Banks, NEC
State of incorporation: A6

Verdict: Hold · 45/100

Quality — 57/100

ROE: 14.6%, ROA: 0.9%, net margin: 30.6%

Financial Health — 0/100

Current ratio: N/A, D/E: 15.72, interest coverage: N/A

Growth — 82/100

ROA change: 17.3% YoY, asset efficiency change: 8.3% YoY

Value — 29/100

Value score: sector ratios vs median (60%) + intrinsic method signal (40%)

Momentum — 74/100

52-week return: 37.2%, 3-month: 0.8%

Risk Flags

  • High debt-to-equity: 15.72

Confidence: HIGH · Data as of 2025-10-31 · Sourced from SEC EDGAR filings.

Key Questions

Q1: Is Royal Bank Of Canada (RY) a buy?

Verdict: Hold · 45/100. Quality: ROE: 14.6%, ROA: 0.9%, net margin: 30.6%.

Q2: How financially healthy is RY?

Current ratio: N/A, D/E: 15.72, interest coverage: N/A

Q3: What is RY's recent momentum?

52-week return: 37.2%, 3-month: 0.8%

Q4: What is RY's growth like?

ROA change: 17.3% YoY, asset efficiency change: 8.3% YoY

Q5: What is the investment thesis for Royal Bank Of Canada?

Value score: sector ratios vs median (60%) + intrinsic method signal (40%)