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Market Price

94.76 

-0.77 -0.8%

as of Dec 02 '22

52 Week Range:

87.96 105.56


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Equity (BVPS) 23.06
26.41
28.57
30.30
33.37
36.46
35.63
43.18
growth rate 7.0% 4.0% 3.0% 10.1% 9.3% -2.3% 21.2%
Earnings BIT 5,613.00
11,356.00
4,382.00
11,754.00
5,700.00
13,864.00
growth rate 102.3% -61.4% 168.2% -51.5% 143.2%
Avg.PE 13.72
11.38
10.69
11.85
10.83
13.44
growth rate -8.9% -6.1% 10.9% -8.6% 24.1%
ROA 0.97
0.97
0.90
0.93
0.95
0.91
0.73
0.95
growth rate 0.0% -3.7% 1.7% 2.2% -4.2% -19.8% 30.1%
ROE 18.79
18.43
16.66
16.90
17.19
16.64
14.08
18.28
growth rate -1.0% -4.9% 0.7% 1.7% -3.2% -15.4% 29.8%
Leverage 19.35
18.83
18.35
17.99
18.15
18.36
20.13
18.56
growth rate -1.4% -1.3% -1.0% 0.9% 1.2% 9.6% -7.8%
Balance Sheet Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Acct.Receivable 7,747.00
12,402.00
7,794.00
12,136.00
8,209.00
10,963.00
8,475.00
12,371.00
12,633.00
12,164.00
13,342.00
growth rate 60.1% -37.2% 55.7% -32.4% 33.6% -22.7% 46.0% 2.1% -3.7% 9.7%
Acct.Payable 616,486.00
24,199.00
698,226.00
24,150.00
758,780.00
32,139.00
790,928.00
837,728.00
887,603.00
1,013,385.00
1,102,698.00
growth rate -96.1% 2,785.4% -96.5% 3,042.0% -95.8% 2,361.0% 5.9% 6.0% 14.2% 8.8%
Cur.Assets 433,559.00
520,321.00
545,571.00
551,968.00
635,532.00
678,907.00
787,918.00
806,100.00
growth rate 9.6% 2.4% 0.6% 15.1% 6.8% 16.1% 2.3%
Total Assets 940,550.00
348,411.00
1,074,208.00
365,587.00
1,180,258.00
384,565.00
1,212,853.00
1,334,734.00
1,428,935.00
1,624,548.00
1,706,323.00
growth rate -63.0% 208.3% -66.0% 222.8% -67.4% 215.4% 10.1% 7.1% 13.7% 5.0%
Cash 15,421.00
85,470.00
9,852.00
114,839.00
11,629.00
127,621.00
26,107.00
27,809.00
23,710.00
115,888.00
111,846.00
growth rate 454.2% -88.5% 1,065.6% -89.9% 997.4% -79.5% 6.5% -14.7% 388.8% -3.5%
Cur.Liabilities 766,670.00
872,426.00
955,103.00
1,011,661.00
1,133,242.00
1,213,674.00
1,379,392.00
1,472,263.00
growth rate 6.7% 4.6% 2.9% 12.0% 7.1% 13.7% 6.7%
Liabilities 886,047.00
325,833.00
1,010,264.00
341,563.00
1,108,646.00
359,527.00
1,138,425.00
1,254,779.00
1,345,310.00
1,537,781.00
1,607,561.00
growth rate -63.2% 210.1% -66.2% 224.6% -67.6% 216.7% 10.2% 7.2% 14.3% 4.5%
LT Debt 96,641.00
158,842.00
114,512.00
143,291.00
126,341.00
141,122.00
101,404.00
99,267.00
106,363.00
124,765.00
101,512.00
growth rate 64.4% -27.9% 25.1% -11.8% 11.7% -28.1% -2.1% 7.2% 17.3% -18.6%
Equity 48,615.00
22,579.00
57,048.00
24,025.00
64,304.00
25,037.00
67,416.00
73,552.00
77,816.00
80,719.00
91,983.00
growth rate -53.6% 152.7% -57.9% 167.7% -61.1% 169.3% 9.1% 5.8% 3.7% 14.0%
Common Shares 1,452.00
4,957.00
1,450.00
5,289.00
1,494.00
5,335.00
1,474.00
17,635.00
17,645.00
17,628.00
17,728.00
growth rate 241.4% -70.8% 264.8% -71.8% 257.1% -72.4% 1,096.4% 0.1% -0.1% 0.6%
Cash Flow Statement Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Capital Expenditures 1,227.00
1,747.00
1,337.00
2,889.00
1,257.00
2,808.00
1,364.00
1,980.00
2,261.00
2,629.00
2,186.00
growth rate 42.4% -23.5% 116.1% -56.5% 123.4% -51.4% 45.2% 14.2% 16.3% -16.9%
Cash Dividends 4,211.00
461.00
4,564.00
737.00
4,997.00
384.00
5,309.00
5,640.00
6,025.00
6,333.00
6,420.00
growth rate -89.1% 890.0% -83.9% 578.0% -92.3% 1,282.6% 6.2% 6.8% 5.1% 1.4%
Cash From OA -37,165.00
-642.00
-62,830.00
11,018.00
7,925.00
11,712.00
4,429.00
-31,025.00
-35,543.00
11,993.00
-27,832.00
growth rate 0.0% 0.0% 100.0% -28.1% 47.8% -62.2% -100.0% 0.0% 100.0% -100.0%
FCF per Share 6.82
12.13
8.41
18.50
12.93
-2.40
66.95
22.93
growth rate 33.4% -16.7% 48.3% -30.1% -100.0% 100.0% -65.8%
Sale Purchase of Stock 5,607.00
-864.00
6,277.00
-173.00
5,452.00
-547.00
4,743.00
growth rate -100.0% 100.0% -100.0% 100.0% -100.0% 100.0%
FCF 13,947.00
-2,389.00
22,812.00
8,129.00
25,599.00
8,904.00
36,361.00
15,494.00
12,004.00
136,190.00
58,858.00
growth rate -100.0% 100.0% -64.4% 214.9% -65.2% 308.4% -57.4% -22.5% 1,034.5% -56.8%
Income Statement Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Sales 32,844.00
13,376.00
34,205.00
12,418.00
37,249.00
12,593.00
39,519.00
41,269.00
44,138.00
42,830.00
50,446.00
growth rate -59.3% 155.7% -63.7% 200.0% -66.2% 213.8% 4.4% 7.0% -3.0% 17.8%
Op.Income 12,376.00
2,891.00
13,335.00
1,469.00
14,269.00
2,897.00
15,687.00
16,837.00
17,111.00
15,662.00
21,918.00
growth rate -76.6% 361.3% -89.0% 871.3% -79.7% 441.5% 7.3% 1.6% -8.5% 39.9%
IBT 11,710.00
2,891.00
12,623.00
1,469.00
13,299.00
2,897.00
14,672.00
15,760.00
15,914.00
14,389.00
20,631.00
growth rate -75.3% 336.6% -88.4% 805.3% -78.2% 406.5% 7.4% 1.0% -9.6% 43.4%
Net Income 8,910.00
1,874.00
9,925.00
1,170.00
10,405.00
2,150.00
11,428.00
12,400.00
12,860.00
11,432.00
16,038.00
growth rate -79.0% 429.6% -88.2% 789.3% -79.3% 431.5% 8.5% 3.7% -11.1% 40.3%
EPS 6.00
6.73
6.78
7.56
8.36
8.75
7.82
11.06
growth rate 5.9% 0.4% 5.6% 10.6% 4.7% -10.6% 41.4%
Gross Profit 32,844.00
13,376.00
34,205.00
12,418.00
37,249.00
12,593.00
39,519.00
41,269.00
44,138.00
42,830.00
50,446.00
growth rate -59.3% 155.7% -63.7% 200.0% -66.2% 213.8% 4.4% 7.0% -3.0% 17.8%

Quarterly Statements

Item Name Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Balance Sheet
Acct.Receivable 13,342.00
growth rate
Acct.Payable 1,084,878.00
1,102,698.00
1,142,842.00
1,151,597.00
1,178,604.00
growth rate 1.6% 3.6% 0.8% 2.4%
Cur.Assets 770,944.00
806,100.00
767,429.00
817,955.00
787,224.00
growth rate 4.6% -4.8% 6.6% -3.8%
Total Assets 1,693,540.00
1,706,323.00
1,752,469.00
1,848,572.00
1,842,092.00
growth rate 0.8% 2.7% 5.5% -0.4%
Cash 113,207.00
111,846.00
129,163.00
113,929.00
87,110.00
growth rate -1.2% 15.5% -11.8% -23.5%
Cur.Liabilities 1,389,445.00
1,472,263.00
1,443,988.00
1,468,147.00
1,492,967.00
growth rate 6.0% -1.9% 1.7% 1.7%
Liabilities 1,597,230.00
1,607,561.00
1,650,461.00
1,744,167.00
1,738,094.00
growth rate 0.7% 2.7% 5.7% -0.4%
LT Debt 126,950.00
101,512.00
123,029.00
180,639.00
152,659.00
growth rate -20.0% 21.2% 46.8% -15.5%
Equity 88,803.00
91,983.00
94,469.00
97,006.00
96,570.00
growth rate 3.6% 2.7% 2.7% -0.5%
Common Shares 17,713.00
17,728.00
17,651.00
17,488.00
17,367.00
growth rate 0.1% -0.4% -0.9% -0.7%
Cash Flow Statement Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Capital Expenditures 614.00
647.00
590.00
553.00
586.00
growth rate 5.4% -8.8% -6.3% 6.0%
Cash Dividends 1,616.00
1,594.00
1,608.00
1,756.00
1,754.00
growth rate -1.4% 0.9% 9.2% -0.1%
Cash From OA -24,647.00
-6,075.00
-33,577.00
-8,621.00
-13,834.00
growth rate 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -25,261.00
-6,722.00
-34,167.00
-9,174.00
-14,420.00
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Sales 13,296.00
12,603.00
12,961.00
11,562.00
11,792.00
growth rate -5.2% 2.8% -10.8% 2.0%
Op.Income 5,892.00
5,318.00
5,721.00
5,644.00
4,898.00
growth rate -9.7% 7.6% -1.4% -13.2%
IBT 5,572.00
4,988.00
5,384.00
5,308.00
4,556.00
growth rate -10.5% 7.9% -1.4% -14.2%
Net Income 4,292.00
3,887.00
4,093.00
4,250.00
3,575.00
growth rate -9.4% 5.3% 3.8% -15.9%
Gross Profit 13,296.00
12,603.00
12,961.00
11,562.00
11,792.00
growth rate -5.2% 2.8% -10.8% 2.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (47.47)

YOY Growth Grade:

F (15.44)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.37 17.37
EPS / Growth 5.46

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.5% 12.5% 12.5%
Future PE 0.01 14.13 14.13
Future EPS 17.73 17.73 17.73
Value Price
MOS %
0.04
-100.0%
61.94
-34.6%
61.94
-34.6%
MOS Price 0.02 30.97 30.97
IRT 9.12 9.12 9.12

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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