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Royal Bank (RY.TO)

TSE:RY

Royal Bank (RY.TO)

300.26
-0.44 (0.15%)
as of Aug 17, 2026, 7:37:39 pm Market Open.
1478 watching
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Investor Insights
star iconAug 16, 2026, 12:00 am

This summary was created by AI, based on 58 opinions in the last 12 months.

Royal Bank (RY-T) is widely regarded as the top Canadian bank and has excelled in capital markets and wealth management. Recent reviews highlight its strategic decisions, such as the acquisition of HSBC, which position it well for future growth through cross-selling products. While the Canadian banking sector has performed strongly, the stock is trading at historical highs in terms of price-to-earnings ratios, prompting concerns about valuation among some analysts. The bank's dividend yield, while lower than 3%, has shown a consistent upward trend. Many experts see RY as a cornerstone holding in their portfolios due to its stable growth and ability to maintain capital during market uncertainties. Despite the current high valuations, RY continues to be recommended as a solid long-term investment, with potential for growth as market conditions evolve.

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Consensus
Buy
valuation icon
Valuation
Overvalued
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Similar
TD, TD
PAST TOP PICK

Royal Bank(RY.TO)

Feb 03, 2021
(A Top Pick Feb 03/20, Up 5%) A long-time core holding. Continues to like it.
Photo of Brian MaddenBrian Madden
Owned
Unlock Rating
$105.36

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
TOP PICK

Royal Bank(RY.TO)

Feb 03, 2021
One of the 10 largest banks in the world, largest in Canada. Well diversified in business and geography. Innovator. Leader in digital and AI. Using scale to increase its competitive moat. Goal to attract 2.5 million new clients. Dividend tends to grow 7-8-9% a year, and this will continue once OSFI takes the handcuffs off. So well on their way to a return to double digit returns. Yield is 4.10%. (Analysts’ price target is $114.72)
Photo of Brian MaddenBrian Madden
Owned
Unlock Rating
$105.36

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Jan 27, 2021
A safe dividend payer for a TFSA? A Canadian bank like RY. Has a good balance sheet that will absorb loan losses.
Photo of Paul Harris, CFAPaul Harris, CFAUnlock Rating
$104.44

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
PAST TOP PICK

Royal Bank(RY.TO)

Jan 18, 2021
(A Top Pick Jan 14/20, Up 8%) She continues to like it. She likes them as a group and thinks their earnings will improve this year. The situation was not as dire as the situation was when they made their reserves last year. This puts them in a god position in terms of provisioning. Canadian banks can't increase dividends or buy back stocks until COVID is over, by regulation, so they are building a lot of capital.
Photo of Christine PooleChristine Poole
Owned
Unlock Rating
$108.36

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
HOLD

Royal Bank(RY.TO)

Dec 24, 2020
Likes it and owns it. All Canadian banks are good quality with good dividend growth.
Photo of Paul Harris, CFAPaul Harris, CFA
Owned
Unlock Rating
$104.91

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
PAST TOP PICK

Royal Bank(RY.TO)

Dec 21, 2020
(A Top Pick Dec 16/19, Up 3%) It had a pretty bad year this year but then had a rally in November on news of a vaccine. They appear to be under earning. For the ROE to get back to its normalized level, earnings have to go up 18%. He considers it a buy.
Photo of Teal LindeTeal Linde
Owned
Unlock Rating
$103.72

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Nov 25, 2020

Tough year for the banks. Q4 will be released in a few weeks, and you never know what you're going to get. Brighter days are ahead, and the market's already figured that out. BMO is not his favourite. Prefers National, TD, Royal. You'll do fine with the Canadian banks. Some concerns around fintech. Low interest rates will be a problem, but offset by recovering economy. Good time to add for dividend seekers.

Photo of Barry SchwartzBarry SchwartzUnlock Rating
$107.71

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Nov 05, 2020
Dividend is safe. All banks are under pressure with their net interest margin. Best wealth management franchise in Canada, and it should continue to grow. Great capital markets business that's a top 10 in the world. Well balanced geographically. Expect close to double-digit returns most years. Buy comfortably today.
Photo of Brian MaddenBrian Madden
Owned
Unlock Rating
$97.23

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
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HOLD

Royal Bank(RY.TO)

Oct 28, 2020
When you invest in the banking sector, you want to see organic growth in terms of loans. On capital market side, you want to see good and solid profitability. In this environment, the capital market side has done well. Organic loans have not done so well. Overall, Canadian banks are doing well on loan provisions. Sector is a hold right now. If you had to choose one, Royal Bank would be the one.
Photo of Andrey OmelchakAndrey OmelchakUnlock Rating
$92.91

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
TOP PICK

Royal Bank(RY.TO)

Oct 14, 2020
Large, diversified. Fee-based business is less sensitive to shrinking net interest margin. Conservative provisions for loan losses. Payout ratio is about 56%, and will lessen next year. Attractive valuation. Earnings will grow again next year, giving you nice capital appreciation and dividend yield. Yield is 4.45%. (Analysts’ price target is $106.39)
Photo of Christine PooleChristine Poole
Owned
Unlock Rating
$97.30

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Sep 14, 2020
It has a great dividend yield. The risk on all these companies is that their loan loss book gets worse. They deferred a lot of payments on loans. It has a great retail franchise but they grew their investment banking side. He thinks you are fine owning it at these levels.
Photo of Paul Harris, CFAPaul Harris, CFA
Owned
Unlock Rating
$97.18

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
PAST TOP PICK

Royal Bank(RY.TO)

Aug 11, 2020
(A Top Pick Aug 13/19, Up 1%) Her favourite bank among the Canadians. Still holds it. RY was the most conservative in their loan loss provision last quarter. They have more cushion than their peers and their capital position is the strongest. She likes their asset and geographic mix; 30% comes from fee-based income that'll protect them as net interest margins continue to shrink. It pays a 4.5% dividend, which is safe. The payout ratio is 60% which is only slightly higher than their usual target. RY lags the market, but is reasonably valued. She's happy to own it.
Photo of Christine PooleChristine Poole
Owned
Unlock Rating
$96.23

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Jul 28, 2020
RY vs. a US bank Banks are grappling with how bad mortgage defaults will be, and how much longer will Ottawa support the economy? All the banks have aggressively built their reserves against bad loans. Traditionally, Canada has more safeguards in place before than America to prevent mortgage defaults. But many are unemployed in Canada now. When wage support stops here, homeowners will have trouble paying their loans. But most Canadian banks are insured by CMHC (that's one safeguard). which will cover such defaults. Given all this, he doesn't feel that Canadian banks are overly exposed to mortgage defaults and doesn't feel the banks are dangerous to own now.
Photo of David BaskinDavid BaskinUnlock Rating
$93.40

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Jul 17, 2020
He tends to like all the banks at this juncture. They were slaughtered back in March based on reduced earnings forecasts. The upside for RY is still good. He would not be surprised to see all the banks break higher. He sees a target of $123 for this bank.
Photo of Ross HealyRoss HealyUnlock Rating
$95.76

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
BUY

Royal Bank(RY.TO)

Jul 08, 2020

Canadian bank for dividends? For a 10-15 year time horizon, the Canadian banks are a pocket of value. They are trading less than 10 times forward earnings, which already include loan loss provisions. They have high asset qualities. Buying here is a winning formula for the long term. The dividend will pay you to wait for the market to return to normal post-pandemic. TD, RY and BNS happen to be the ones he favors for his clients. They have exposure to international markets. BNS has the best valuation and the dividend yield is better than its peers.

Photo of Chris BlumasChris Blumas
Owned
Unlock Rating
$92.47

Stock price when the opinion was issued

$300.34

As of Aug 17, 2026. Market Open.

banks
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