Provides personal and commercial banking services, including checking and savings accounts, loans, and credit cards. Now — the numbers.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
The market pays 19.5× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 77% of them.
Analysts' average target sits 9% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 24% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $4.74 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 34/100.
On our five-subject report card, RY sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: RY is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.