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RYRY

Royal Bank of Canada

$RY·$286B·Banks - Diversified·Financial Services
$203.57+0.6%YTD+18.9%1Y+39.1%
Price updated 5h ago·X counts updated 5d ago
RYRY
$RYRoyal Bank of Canada
$203.57+0.63%25 posts0.9×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $RY on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

25X posts · last 7 days
Aug 31Sep 12
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $RY's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-03

Royal Bank Canada beat Q3 with record net income C$6.0B (+11% YoY), diluted EPS $4.23 (+13%), adj EPS C$4.28 vs C$4.04 est, revenue C$18.54B vs C$18.07B est. Canadian banks TD/RY/BNS up 50%+ over the past year near ATHs, EWC ETF at fresh ATH. Bulls uniformly celebrating.

Read what X is saying about $RY

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
Free, forever. No credit card.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $RY — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-16

The move is getting stronger, with heavier trading behind it.

Canada's biggest bank just put up a record quarter — the whole Canadian bank complex is at all-time highs.

Royal Bank of Canada is a $286B mega-cap universal bank — retail, wealth, capital markets, and insurance across Canada and the US.

  • Q3 print (2026-08-27) landed record net income C$6.0B (+11% YoY), diluted EPS C$4.23 (+13%), adj EPS C$4.28 vs C$4.04 estimate; revenue C$18.5B beat C$18.1B.
  • Four quarters in a row of positive EPS surprises; the beat cadence is steady, not spiky.
  • Filed a Product Supplement for a Leveraged Index Return Notes (LIRN) program on 2026-09-08 — structured-notes framework, not a distress signal.
  • Trades 18x TTM, 12x forward on C$16.64 FY26 EPS consensus — inline with the Canadian-bank cohort as it rerates.
  • Position 81% of 52-week range, +19% YTD, +40% TTM; the EWC Canadian ETF at fresh ATHs.

SA's 'record quarter, same valuation problem' framing captures the tension — great numbers, multiple where it needs to be for the next leg.

Agrees with X sentimentX celebrated the record quarter and the broader Canadian-bank rally (TD/RY/BNS +50%+ TTM). Our read agrees; the valuation-tension caveat is where the crowd got quieter.

What to watch: Dec 3 FY Q4 print — whether the earnings pace holds and any commentary on 2027 capital return.

On the calendar: 2026-12-03 — Q4/FY earnings

Read the AI verdict on $RY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

What it does

Plain-English summary of the business — what they sell and how they make money.

Canada's largest bank offering personal/commercial banking, wealth management, and capital markets globally under RBC.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $RY.

Banks - Diversified · Financial Services

Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers; US mega-banks outperformed Canadian peers this week, a reversal of the decade-long trend noted by X. Elevated buybacks remain a floor under equity valuations across the cohort.

What this means for $RY

Neutral — Royal Bank of Canada trades at 3.8x tangible book, a premium to JPM's 3.2x; X chatter flags potential mean-reversion risk; strong Canadian retail franchise and wealth management provide earnings quality.

Top industry ETF

$KBESPDR S&P Bank ETF
+9.8%YTD
+10.2%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
17.9How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
24.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
18.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
16.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
54.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
2.8Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 27, 2026$3.07$2.89+6.2%
Q1 2026May 28, 2026$2.84$2.81+1.1%
Q4 2025Feb 26, 2026$2.94$2.81+4.6%
Q3 2025Dec 3, 2025$2.76$2.51+10.0%
Next earningsThu, Dec 3·consensus EPS $2.98

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$33.9B+4.2%48.7%20.9%$3.86$23.1B
Q1 FY26$35.4B+0.6%47.5%20.9%$4.04$5.9B
Q4 FY25$34.8B+2.8%46.5%19.6%$3.76$-15.3B
Q3 FY25$34.7B+0.8%46.3%19.8%$3.76$28.5B

Forward consensus

3-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$73.6B$71.5B – $74.5B$16.64$16.23 – $17.698
FY27$77.7B$74.7B – $78.8B$18.16$17.64 – $19.238
FY28$82.4B$78.7B – $85.8B$19.81$18.78 – $20.834

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.80%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-2.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+10.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.4B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.925-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Sep 8424B5
AI summary

Royal Bank of Canada filed Product Supplement No. STOCK LIRN-1 on September 8, 2026, establishing the framework for a program of Leveraged Index Return Notes (LIRNs) linked to one or more equity securities. LIRNs are unsecured senior obligations of Royal Bank of Canada carrying credit risk, and are not insured by CDIC, FDIC, or any government agency. Specific terms for each LIRN issuance including the market measure, participation rate, capped value, and threshold value will be set in individual term sheets referencing this supplement.

3New insider — initial holdingsJul 63
AI summary

Royal Bank of Canada (RBC), through its subsidiary RBC Capital Markets LLC, filed a Form 3 reporting a 10%+ position in multiple series of auction preferred securities of the issuer (treated as one class under the SEC's 2008 Global Relief Letter). RBC's position predates its crossing the 10% threshold. This is a routine Section 16 disclosure for institutional holdings in auction rate preferred securities — routine for a dealer/market-maker in this asset class, not indicative of activist intent.

+ 25 other (11 13Gs · 10 6-Ks · 2 13Fs · 2 11-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Royal Bank of Canada (RY:CA) Presents at Barclays 24th Annual Global Financial Services Conference Transcriptseekingalpha.com·1d agoRoyal Bank Of Canada $RY Shares Acquired by Integrated Wealth Concepts LLCdefenseworld.net·2d agoRoyal Bank of Canada (RY:CA) Presents at Scotiabank's 27th Annual Financials Summit Transcriptseekingalpha.com·9d agoAegis Capital Corp. Announces the Hiring of a New Managing Directoraccessnewswire.com·9d agoRoyal Bank of Canada: Another Record Quarter, Same Valuation Problemseekingalpha.com·21d ago

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Voices on X · last 7 days

No standout posts about $RY on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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