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Upturn AI SWOT - About
RY 
Royal Bank of Canada (RY)
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Upturn Advisory Summary
03/13/2025: RY (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 7.91% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 161.32B USD | Price to earnings Ratio 13.31 | 1Y Target Price 126.37 |
Price to earnings Ratio 13.31 | 1Y Target Price 126.37 | ||
Volume (30-day avg) 1233324 | Beta 0.84 | 52 Weeks Range 92.70 - 126.95 | Updated Date 04/1/2025 |
52 Weeks Range 92.70 - 126.95 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.66% | Basic EPS (TTM) 8.54 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.12% | Operating Margin (TTM) 43.78% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 14.25% |
Valuation
Trailing PE 13.31 | Forward PE 11.78 | Enterprise Value -119790788608 | Price to Sales(TTM) 2.79 |
Enterprise Value -119790788608 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 12.07 | Enterprise Value to EBITDA - | Shares Outstanding 1412530048 | Shares Floating 1411514499 |
Shares Outstanding 1412530048 | Shares Floating 1411514499 | ||
Percent Insiders 0.01 | Percent Institutions 50.58 |
Analyst Ratings
Rating 4.06 | Target Price 109.32 | Buy 6 | Strong Buy 6 |
Buy 6 | Strong Buy 6 | ||
Hold 3 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Royal Bank of Canada
Company Overview
History and Background
Royal Bank of Canada (RBC) was founded in 1864 in Halifax, Nova Scotia, as the Merchants Bank of Halifax. It later became Royal Bank of Canada in 1901. Over the years, it expanded across Canada and internationally through organic growth and acquisitions, becoming one of the largest banks in North America.
Core Business Areas
- Personal & Commercial Banking: Provides a wide range of financial products and services to individuals and small businesses, including deposit accounts, loans, mortgages, and credit cards.
- Wealth Management: Offers investment advice, financial planning, and wealth management services to high-net-worth individuals and institutions.
- Insurance: Provides a variety of insurance products, including life, health, and home insurance.
- Capital Markets: Offers investment banking, trading, and research services to corporations, governments, and institutional investors.
Leadership and Structure
The leadership team is headed by the President and CEO, who reports to the Board of Directors. The organizational structure is divided into the business segments mentioned above, each with its own leadership team.
Top Products and Market Share
Key Offerings
- Residential Mortgages: RBC holds a significant market share in Canadian residential mortgages. Competitors include TD Bank, Scotiabank, and BMO. Data on the US market share held by RBC is not publicly available.
- Credit Cards: RBC offers a range of credit cards with various rewards and benefits. Competitors include American Express, Chase, and Capital One. Data on the US market share held by RBC is not publicly available.
- Investment Banking Services: RBC Capital Markets provides underwriting, mergers and acquisitions advisory, and trading services to corporations and institutions. Competitors include Goldman Sachs, JP Morgan, and Morgan Stanley. Data on the US market share held by RBC is not publicly available.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, technological advancements, and economic fluctuations. Interest rate movements and consumer spending patterns significantly impact performance.
Positioning
RBC is a leading financial institution in Canada and a significant player in the North American market. It leverages its strong brand, diversified business lines, and extensive distribution network to maintain its competitive position.
Total Addressable Market (TAM)
The TAM for financial services, including banking, wealth management, and insurance, is in the trillions of dollars globally. RBC is positioned to capture a portion of this TAM through its various business segments. RBC TAM specifically in the US is significantly lower.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Extensive distribution network
- Strong capital base
- Leading market position in Canada
Weaknesses
- Reliance on the Canadian market
- Exposure to regulatory changes
- Operational risks
- Cybersecurity threats
- Limited US Market Share
Opportunities
- Expansion into new markets
- Increased digitalization of services
- Growth in wealth management
- Strategic acquisitions
- Capitalizing on Fintech
Threats
- Economic downturns
- Increased competition
- Rising interest rates
- Regulatory changes
- Geopolitical risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
Competitive Landscape
RBC competes with large global banks, regional banks, and fintech companies. Its strengths include its strong brand and diversified business model, while its weaknesses include its reliance on the Canadian market and limited US Market share.
Major Acquisitions
Brewin Dolphin
- Year: 2022
- Acquisition Price (USD millions): 2.1
- Strategic Rationale: Expansion of RBC's wealth management business in the UK and Europe.
Growth Trajectory and Initiatives
Historical Growth: RBC has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates for RBC's future growth vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives might include investments in technology, expansion into new markets, and strategic partnerships.
Summary
Royal Bank of Canada is a robust financial institution with a strong Canadian presence and growing international operations. It benefits from a diversified business model and a solid capital base, but faces challenges from regulatory changes, increased competition, and the potential for economic downturns. RBC's focus on digital transformation and strategic acquisitions positions it for continued growth, but its limited US market share requires attention. Overall, RBC demonstrates financial strength but must be aware of economic volatility and growing competition.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
BMO
Bank of Montreal
BMO
Bank of Montreal
GS
Goldman Sachs Group Inc
GS
Goldman Sachs Group Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MS
Morgan Stanley
MS
Morgan Stanley
TD
Toronto Dominion Bank
TD
Toronto Dominion Bank
Sources and Disclaimers
Data Sources:
- Royal Bank of Canada Investor Relations
- Financial News Outlets
- Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Royal Bank of Canada
Exchange NYSE | Headquaters Toronto, ON, Canada | ||
IPO Launch date 1995-10-16 | President, CEO & Director Mr. David I. McKay | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 94624 | Website https://www.rbc.com |
Full time employees 94624 | Website https://www.rbc.com | ||
Royal Bank of Canada operates as a diversified financial service company worldwide. Its Personal Banking segment offers home equity financing, personal lending, chequing and savings accounts, private banking, auto financing, mutual funds, GICs, credit cards, and payment products and solutions. The company's Commercial Banking segments provides lending, deposit and transaction banking products and services. Its Wealth Management segment provides a suite of wealth, investment, trust, banking, credit, and other solutions to clients; asset management products to institutional and individual clients; and asset and investor services to financial institutions, asset managers, and asset owners. The company's Insurance segment offers life, health, travel, wealth, annuities, property and casualty, and reinsurance advice and solutions; digital platforms; and independent brokers and partners, as well as client-led advice and solutions. The company's Capital Markets segment offers advisory and origination, sales and trading, lending and financing, and transaction banking services to corporations, institutional clients, asset managers, private equity firms, and governments. The company was founded in 1864 and is headquartered in Toronto, Canada.
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