RY

Based on Royal Bank of Canada's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Royal Bank of Canada do?

Royal Bank of Canada is a diversified financial services company operating across personal and commercial banking, wealth management, insurance, capital markets, and investor and treasury services. It serves individual consumers, small businesses, high-net-worth clients, and large institutional investors across Canada and internationally.

Does RY pay dividends?

Yes, Royal Bank of Canada pays a regular dividend. The bank has a long track record of consistent dividend payments, making it a common holding for income-focused investors. Canadian banks as a group are known for their dividend reliability, and RY is among the most established examples.

When does RY report earnings?

Royal Bank of Canada reports on a quarterly cadence. For exact dates and the most current investor calendar, check the official investor relations section of RBC's website, as reporting schedules can shift slightly each quarter.

Is RY a good stock to buy?

UQS Score rates RY as Good overall. The Quality pillar is a clear strength, and Valuation registers favorably. However, the Risk pillar is rated Weak, reflecting the leverage and regulatory complexity inherent in large global banks. Whether RY fits your portfolio depends on your own risk tolerance and investment goals.

Is RY overvalued?

The UQS Valuation pillar for RY is rated Good, suggesting the stock does not appear significantly overpriced relative to fundamentals and sector peers. That said, valuation is one of five pillars — viewing it alongside Quality, Risk, Growth, and Moat gives a more complete picture.

How does RY compare to its competitors?

Compared to peers like TD, Wells Fargo, and Citigroup, RY stands out for its diversified Canadian-anchored franchise with meaningful international reach. Its Quality pillar rating is a relative strength. Full side-by-side UQS pillar comparisons are available to Pro members on the platform.

What is RY's market cap bracket?

Royal Bank of Canada is a mega-cap stock, placing it among the largest publicly traded financial institutions in the world. Its scale gives it access to diversified funding, broad distribution, and regulatory standing that smaller banks cannot easily replicate.

Who founded Royal Bank of Canada?

Royal Bank of Canada has roots going back to the nineteenth century, originally founded in Halifax, Nova Scotia. Its long institutional history is part of what underpins its brand recognition and customer trust across Canada and internationally. Detailed founding history is widely available through public sources.

Is RY a long-term quality stock?

As a long-term quality indicator, RY's Good UQS Score — anchored by a Strong Quality pillar — suggests the bank has durable financial characteristics. The Weak Risk rating is the main factor to weigh over a long horizon, as credit cycles and regulatory shifts can affect large banks meaningfully over time.

What is the main competitive advantage of Royal Bank of Canada?

RY benefits from its position within Canada's tightly regulated banking oligopoly, which limits new competition and supports stable margins. Its diversified business mix — spanning retail banking, wealth management, insurance, and capital markets — also reduces reliance on any single revenue stream.

What sector does RY belong to?

Royal Bank of Canada belongs to the Financial Services sector. Within that sector, it operates primarily as a diversified bank, with additional exposure to insurance and asset management — making it broader than a pure-play commercial or investment bank.

Royal Bank of Canada demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Royal Bank of Canada shows steady but unspectacular growth, typical for mature companies.

Royal Bank of Canada presents elevated risk with concerns around leverage or financial stability.

Royal Bank of Canada appears attractively valued relative to its earnings, cash flows, and sector peers.

Royal Bank of Canada possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RY.

The UQS (Unified Quality Score) for Royal Bank of Canada is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Royal Bank of Canada's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Royal Bank of Canada is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.