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
0
Investor Insights
star iconJul 26, 2026, 12:00 am

This summary was created by AI, based on 57 opinions in the last 12 months.

Royal Bank (RY-T) is widely viewed as a strong performer in the Canadian banking sector, with reviews highlighting its premium positioning and strong capital markets performance. Experts cite robust earnings growth driven by investments in technology, particularly in capital markets and wealth management, as key factors contributing to its resilience. While the valuation of RY is noted to be at a premium compared to historical averages, many analysts believe this premium is justified due to the bank's consistent performance, effective management, and growth potential, particularly following the acquisition of HSBC Canada. Despite some concerns about market valuations being high and potential economic headwinds, RY maintains a favorable outlook, with many recommending it as a core holding for long-term investors. Dividend growth is also a recurring theme, showcasing the bank's commitment to return capital to shareholders while supporting growth initiatives.

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Consensus
Buy
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Valuation
Overvalued
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Similar
TD
DON'T BUY
Doesn’t like banks, as they have no earnings growth. Earnings are actually de-accelerating and there is so much acceleration in everything else. (He holds zero financials.)
BUY
A long-term hold at these prices. Expecting dividend increases in the 1st half of the year but this is probably largely built into the stock price. His favourite is Toronto Dominion (TD-T), which currently has the best earnings multiple but this one is his 2nd biggest position.
HOLD
Thinks banks will stay where they are. They are vital blue chips. Trying to absorb their recently obtained US operations. All the banks are boringly the same.
TOP PICK
Owned for years. Always owned some of it. Worst performing bank of big 5 in 2010. It is usually either first or second. US retail is still losing money while TD is making money in US. They will absolutely get it much better. There is a $10 gap in valuation to make up and all they have to do is half of it to get 17% return.
DON'T BUY
The banks are very much the same so if one under performs then it usually comes back. Good for the long term but thinks they will take a while to turn around.
DON'T BUY
Doesn’t own any Canadian banks that have too much US exposure. Great Canadian franchise but hasn’t made any money in the US.
BUY
More involved as an investment bank which means more volatility. They have to deal with their US banking business, which is not working out. At these levels, you can make money. He likes it.
HOLD
Expanding into Europe and Asia. 3 Quarters of disappointing earnings. A little concerned. It’s a core holding.
TOP PICK
Was downgraded because of volatility of their capital markets but this should recover with the economy. Likes their expansion into wealth management internationally.
HOLD
Came out with some pretty poor results and disappointed a lot of their shareholders. People don’t like surprises from their bank. US assets indicate that the level of risk is still higher than estimated.
HOLD
Been a disappointment. Hasn’t done a lot. Tarnished more than other banks because in second quarter markets were slow. They are a big underwriter and important that stock markets are working. Their US subsidiary is in one of the poorer areas of the US and that is tarnishing them. They didn’t increase loan loss provisions, which is a positive thing. You will have a n opportunity to sell in the high 50’s if you hold out.
HOLD
Recently bought this and likes it going forward. Bank of Montreal (BMO-T) would be his top pick followed by TD (TD-T) and this one.
DON'T BUY
Has been a play on the US and on capital markets and revenues have been disappointing.
COMMENT
Has been the worst performing bank in the last 2 quarters. Historically, this could be a sign of the bank to Buy. Have had some issues recently.
WAIT
10 quarters in a row of bad quarters for their US operations. For 2 – 3 months you don’t want to buy this stock, but 2 – 3 years it is a buy. They are the best retail bank in Canada.
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