US · RY
Royal Bank of Canada
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Toronto, ON M5J 2J5
- Website
- rbc.com
Price · as of 2025-10-31
$179.54
Market cap 234.95B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $255.60 | +42.36% |
| Intrinsic Value(DCF) | $91.76 | -48.89% |
| Graham-Dodd Method(GD) | $45.50 | -74.66% |
| Graham Formula(GF) | $106.00 | -40.96% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $29.80 | $31.00 | $13.15 | $9.20 | $58.60 |
| 2012 | $37.95 | $38.31 | $15.50 | $12.30 | $32.00 |
| 2013 | $41.70 | $45.10 | $18.54 | $11.60 | $45.00 |
| 2014 | $43.25 | $87.84 | $15.90 | $12.60 | $74.00 |
| 2015 | $34.12 | $112.84 | $15.28 | $16.90 | $53.20 |
| 2016 | $50.41 | $111.25 | $18.42 | $17.80 | $73.30 |
| 2017 | $62.40 | $149.65 | $21.32 | $19.70 | $90.10 |
| 2018 | $55.86 | $196.55 | $23.00 | $22.90 | $140.50 |
| 2019 | $63.71 | $217.29 | $25.72 | $23.10 | $156.50 |
| 2020 | $70.93 | $260.53 | $21.99 | $18.90 | $0.00 |
| 2021 | $97.07 | $239.81 | $31.89 | $36.00 | $22.40 |
| 2022 | $87.19 | $265.76 | $30.73 | $35.90 | $187.20 |
| 2023 | $94.49 | $305.84 | $991.29 | $47.50 | $562.80 |
| 2024 | $115.38 | $287.42 | $1,978.82 | $45.30 | $213.30 |
| 2025 | $169.19 | $357.10 | $685.63 | $45.50 | $106.00 |
AI valuation
Our deep-learning model estimates Royal Bank of Canada's (RY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $255.60
- Current price
- $179.54
- AI upside
- +42.36%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$91.76
-48.89% upside
Graham-Dodd
$45.50
-74.66% upside
Graham Formula
$106.00
-40.96% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RY | Royal Bank of Canada | $179.54 | 234.95B | +99% | -49% | -75% | -41% | 16.33 | 2.39 | 2.42 | 34.89 | 64.13 | 2.96 | 45.26% | 18.67% | 14.82% | 15.30% | 2.63% | 0.91% | 6.00 | 0.36 | 0.13 | 0.13 | 26.02 | 2547.00% | 213.00% | 15398.00% | 15.92% | 0.04 | 6.84% | 2.65% | 43.20% | 6.70% | 39.08 | 18.92 | 7.30 | -0.45 |
| BAC | Bank of America Corporati… | $49.83 | 363.88B | -30% | -32% | -34% | -48% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| C | Citigroup Inc. | $110.22 | 197.21B | +15% | -11% | -8% | -52% | 14.35 | 0.96 | 1.21 | 10.53 | 82.10 | 1.07 | 44.55% | 11.78% | 8.48% | 6.72% | 5.22% | 0.56% | 3.37 | 0.24 | 0.48 | 0.48 | 15.86 | 1748.00% | -141.00% | -18515.00% | 10.98% | 0.02 | 8.05% | 2.65% | 38.00% | 11.64% | 12.27 | 10.92 | 1.45 | -0.11 |
| GS | The Goldman Sachs Group, … | $859.57 | 260.21B | +5% | -42% | -58% | -57% | 15.69 | 2.16 | 2.15 | 17.90 | 59.00 | 2.75 | 45.70% | 15.69% | 13.73% | 13.91% | 48.89% | 0.99% | 4.95 | 0.29 | 1.21 | 1.21 | 20.86 | 2659.00% | -138.00% | 20855.00% | -17.52% | -0.08 | -149.66% | 1.96% | 30.70% | 6.55% | 19.89 | -8.27 | 3.12 | 0.28 |
| HSBC | HSBC Holdings plc | $93.16 | 320.01B | -18% | +186% | -73% | -23% | 14.79 | 1.76 | 2.12 | 5.35 | — | 1.90 | 54.63% | 20.27% | 15.11% | 11.67% | 27.55% | 0.68% | 2.79 | 0.47 | 2.62 | 2.62 | 7.19 | -242.00% | 319.00% | -8471.00% | 3.00% | 0.04 | 11.52% | 4.32% | 63.90% | 5.47% | 5.19 | 16.56 | 1.05 | 0.36 |
| MUFG | Mitsubishi UFJ Financial … | $18.64 | 211.28B | -44% | +27% | -35% | +24% | 9.44 | 1.17 | 1.94 | -13.69 | 33.40 | 1.29 | 56.54% | 20.52% | 14.99% | 12.72% | -5.30% | 0.62% | 4.36 | 0.46 | 0.49 | 0.49 | -6.64 | 2827.00% | 1413.00% | -9563.00% | -1.87% | 0.00 | 1.23% | 2.21% | 20.90% | 3.95% | -15.92 | 90.18 | -3.27 | -0.34 |
| TD | The Toronto-Dominion Bank | $97.36 | 164B | +109% | -38% | -59% | -52% | 11.01 | 1.77 | 1.95 | 28.09 | 7.60 | 2.14 | 49.01% | 20.67% | 17.73% | 16.90% | 3.47% | 0.99% | 5.19 | 0.44 | 0.12 | 0.12 | 20.93 | 14492.00% | -280.00% | -23607.00% | -31.75% | -0.04 | -12.14% | 3.39% | 37.30% | 12.60% | 30.64 | -10.22 | 6.33 | -0.61 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Royal Bank of Canada
Royal Bank of Canada operates as a diversified financial service company worldwide. The company's Personal & Commercial Banking segment offers checking and savings accounts, home equity financing, personal lending, private banking, indirect lending, including auto financing, mutual funds and self-directed brokerage accounts, guaranteed investment certificates, credit cards, and payment products and solutions; and lending, leasing, deposit, investment, foreign exchange, cash management, auto dealer financing, trade products, and services to small and medium-sized commercial businesses. This segment offers financial products and services through branches, automated teller machines, and mobile sales network. Its Wealth Management segment provides a suite of advice-based solutions and strategies to high net worth and ultra-high net worth individuals, and institutional clients. The company's Insurance segment offers life, health, home, auto, travel, wealth, annuities, and reinsurance advice and solutions; and business insurance services to individual, business, and group clients through its advice centers, RBC insurance stores, and mobile advisors; digital, mobile, and social platforms; independent brokers; and travel partners. Its Investor & Treasury Services segment provides asset servicing, custody, payments, and treasury services to financial and other investors; and fund and investment administration, shareholder, private capital, performance measurement and compliance monitoring, distribution, transaction banking, cash and liquidity management, foreign exchange, and global securities finance services. The company's Capital Markets segment offers corporate and investment banking, as well as equity and debt origination, distribution, advisory services, sale, and trading services for corporations, institutional investors, asset managers, private equity firms, and governments. The company was founded in 1864 and is headquartered in Toronto, Canada.
- CEO
- David I. McKay
- Employees
- 94.62K
- Beta
- 1.01
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($91.76 ÷ $179.54) − 1 = -48.89% (DCF, example).