Royal Bank of Canada (RY)

NYSE: RY · Commercial Banks, NEC · Toronto · filing with the SEC since 1996

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Grade5.2

◀ Past 4.5● Present 5.3▶ Future 6.3

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Royal Bank of Canada

Nine metrics read from its own filings, by tense

Headline grade

5.2/10

◀ Past4.540% of the headline

● Present5.335% of the headline

▶ Future6.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.5/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

Royal Bank of Canada's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

5.5/10

What has it actually done, year after year?

+6.4% a year over 9 filed years; profitable in 9 of 9.

weight 22% of this tense · 55th percentile among 22 sector filers · read for its customers

From the record

Royal Bank of Canada's 9 filed years say what it did: revenue went from CAD 41 billion in fiscal 2017 to CAD 67 billion in fiscal 2025, up 6.4% a year; it rose in 7 of 8 years; the deepest fall was 1% from fiscal 2021 to fiscal 2022; net income was positive in 9 of 9 of those years (its annual reports).

What it rests on

revenue growth over the filed span6.4%bottom 34% of its family
the share of years revenue rosetop 43% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak1.4%top 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

1.8/10

How has it treated the people who own it?

Share count grew 0.1% a year. 0% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 18th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-10-31, Royal Bank of Canada's diluted share count grew about 0.1% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 29% of its family
cash returned against operating cash flowbottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.3/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

4.8/10

Is it financially healthy right now?

ROE 15%: 15¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar.

weight 45% of this tense · 48th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-10-31, Royal Bank of Canada earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 94 cents per dollar of assets, and net share issuance: its share count shrank 0.2% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 27% of its family
return on equitytop 34% of its family
the share count against the year beforetop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

6.3/10

How strong is its position in its industry?

top 37% of 21 in its family; net margin 30.6%.

weight 33% of this tense · 63rd percentile among 21 sector filers · read for its customers

From the record

Royal Bank of Canada's standing among 21 graded names in its industry family: revenue of CAD 67 billion in fiscal 2025 ranks in the top 30% by size; a net margin of 30.6% ranks in the top 34%; revenue growth of 10.8% a year over the last 3 filed years ranks in the top 48% (its annual reports).

What it rests on

revenue against the familyC$66.61Btop 30% of its family
net margin30.6%top 34% of its family
three-year revenue growth10.8%top 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Royal Bank of Canada's leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.3/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.0/10

How much room does it have to grow?

top 40% of 19 in its family for room to expand.

weight 33% of this tense · 60th percentile among 19 sector filers · read for itself

From the record

Royal Bank of Canada's room to grow, from the newest filed statements (fiscal 2025): cash of CAD 37 billion against no long-term debt tagged leaves 1.6% of its assets as net cash, bottom 27% of its family; cash from operations less capital spending is 82.9% of revenue (top 8%) (its annual report).

What it rests on

cash less debt against assets1.6%bottom 27% of its family
cash from operations less capital spending against revenue82.9%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

7.0/10

What could actually drive growth from here?

top 30% of 22 in its family for growth drivers.

weight 33% of this tense · 70th percentile among 22 sector filers · read for its customers

From the record

Royal Bank of Canada's growth drivers, from the filed years to fiscal 2025: revenue grew 10.8% a year over the last three filed years against 6.4% over all 9, speeding up (top 26% of its family); the newest year grew 16.2% (top 34%) (its annual reports). Royal Bank of Canada tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+4.4 points a yeartop 26% of its family
the newest year's revenue growth16.2%top 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

6.0/10

Did its newest year beat what its own record pointed to?

top 40% of 20 in its family for expectations against reality.

weight 33% of this tense · 60th percentile among 20 sector filers · read for its shareholders

From the record

Royal Bank of Canada's newest year against its own record: revenue of CAD 67 billion in fiscal 2025 came in 7.4% above the CAD 62 billion its prior three years' pace pointed to (top 29% of its family); net income of CAD 20 billion against a prior three-year average of CAD 16 billion (top 47%); a net margin of 30.6% against 29.7% before (top 42%) (its annual reports).

What it rests on

revenue against the prior three years' pace7.4%top 29% of its family
net income against the prior three years' average+31%top 47% of its family
net margin against its prior average+0.9 pointstop 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton RY · research, not advice