Royal Bank of Canada
$201.56+0.4%YTD+17.7%1Y+58.3%
Mentions · last 7 days
20+5%
Price updated 12h ago·X counts updated 12h ago
What it does
Plain-English summary of the business — what they sell and how they make money.
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
Rate-cycle transition is the structural pressure point — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down. Digital challengers with lower cost structures are using the current margin window to invest aggressively in consumer acquisition, widening the structural cost gap.
Top industry ETF
$KBESPDR S&P Bank ETF
+8.2%YTD
+23.0%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
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%
Q2 2025Aug 27, 2025$2.79$2.36+18.2%
Next earningsThu, Aug 27·consensus EPS $2.87
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
FYRevenueRangeEPSRangeAnalysts
FY26$69.0B$68.7B – $69.4B$15.49$15.41 – $15.547
FY27$72.2B$71.8B – $72.5B$16.94$16.87 – $17.147
FY28$76.3B$75.2B – $77.4B$18.33$18.00 – $18.682
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.1.9×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.98%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.+9.0%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.+22.0%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 today0.2% 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.β0.945-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.
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
More in Banks - Diversified
Peers in the same group — one click to compare setups, fundamentals, and chatter.
Voices on X · last 7 days
No standout posts about $RY on X in the last 7 days.