TSE:RY
Royal Bank (RY.TO)
295.01
+1.34 (0.46%)
as of Jul 24, 2026, 8:00:00 pm Market Open.
1479 watching
Financials 
Technical Analysis 0
Investor Insights
Jul 25, 2026, 12:00 amThis summary was created by AI, based on 58 opinions in the last 12 months.
Royal Bank (RY-T) continues to be recognized as a leading institution in Canada, benefiting significantly from advancements in AI and a regulatory environment favorable to capital lending. Though the bank's stock price is currently perceived as high, especially with a valuation approaching 3x book value, its strong performance in capital markets and retail banking suggests ongoing resilience and growth potential. Experts highlight an optimistic outlook given the bank's ability to maintain low loan losses and robust earnings, with many reiterating it as a top pick. The consensus among analysts suggests a focus on the bank's dividend growth, strong return on equity, and strategic positioning, particularly following significant acquisitions that enhance its global capabilities.
Consensus
Positive
Valuation
Overvalued
Similar
TD
TOP PICK
PAST TOP PICK
(A Top Pick Jun 08/18, Up 8%) Half of the gain was from the dividend. They have posted earnings growth of 7% over the year. They are trading below historical multiples. About 23% of earnings come from the US. She thinks they will continue to increase the dividend.
Christine PooleOwned
banks
PAST TOP PICK
(A Top Pick Jun 06/18, Up 8%) Banks have been a difficult sector to play. They can swing. Take money off the table.
Andrew PyleOwned
banks
BUY
What is a good entry point? - He owned it in the past. He likes it. The banks are a little less homogeneous than they used to be. They bought in the US a high end high net worth - Citi National. They beat in the quarter but it was a low quality beat as it was mainly from capital markets. Banks have lifted from the December lows but underperformed the market. Multiples are lows. The risk for reward is good. You can expect 10%.
banks
PAST TOP PICK
(A Top Pick Apr 23/18, Up 14%) It is the best of the Canadian banks. We have not had any substantial, continued rises in rates. It has been difficult for them to do better. He has not sold any. He would still buy it.
Rick StuchberryOwned
banks
PAST TOP PICK
(A Top Pick Apr 16/18, Up 16%) The Canadian banks have been recovering since December. RY-T is the dominant bank in the country. Overall, it has the scale to compete and has a good balance among its segments. He continues to recommend it.
Michael SprungOwned
banks
TOP PICK
Their advantage is their scale for mass-market banking. They have been investing heavily in technology and new channels of distribution. A cautious holding to have. Yield 3.83% (Analysts’ price target is $109.26)
Michael SprungOwned
banks
PAST TOP PICK
(A Top Pick Apr 04/18, Up 11%) He's happy with it. It's close to its all-time high and its latest quarterly was quite impressive even with GDP growth slowing--RY's earnings frew 7%, the best in its class. That's all organic growth without acquisitions. They had strong capital markets unit performance and so is their U.S. unit.
Brian MaddenOwned
banks
COMMENT
A US hedge fund manager is shorting this stock. His premise is that credit losses will increase and she expect that this and next year. He's really making a call on the Canadian economy, but she doesn't see the Canadia economy to go into recession or our housing market to implode. Recent laws have cushioned the latter, like tougher laws to obtain a mortage. Housing prices in Canada really have to collapse to hit the banks. There's more cushion in Canada than America. She owns 12% Canadian banks in her portfolios.
Christine PooleOwned
banks
TOP PICK
Good place for yield. Largest company in Canada. Not going to have a lot of significant grief holding this one. Almost need it to balance out the portfolio and keep the cash flow coming in if you have a tough year. Doesn't think there will be a housing collapse. Yield is 3.98%. (Analysts’ price target is $109.26)
Chris StuchberryOwned
banks
TOP PICK
The Canadian banks' multiples have contracted and now look attractive. RY grew their earnings 17% last year and the stock is up only 1%. They had that weird Q4 quarter, but they saw decent loan growth. They increased their dividend 9% and grown their book value. Payout ratio is 45%. They can increase their dividend and earnings. (Analysts’ price target is $109.65)
Christine PooleOwned
banks
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Largest bank in Canada and largest company in Canada and one of the ten largest banks in the world. Well diversified. Core part of their portfolio. Well governed oligopoly. It operates the leading wealth management business in the country. They are leaders in digital and AI. Dividend yield is 4% and grows at a 7% clip a year. Very comfortable buying it now. (Analysts’ price target is $111.21)