TSE:RY

Royal Bank (RY.TO)

291.48
-0.89 (0.30%)
as of Sep 4, 2026, 8:00:00 pm Market Open.
1480 watching
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Investor Insights
star iconSep 7, 2026, 12:00 am

This summary was created by AI, based on 56 opinions in the last 12 months.

Royal Bank of Canada (RY) is viewed as a solid investment, characterized by its strong market position as the largest and top-performing bank in Canada. Analysts praise its balanced approach to growth and income, particularly highlighting the accelerated growth in capital markets and wealth management sectors. While many experts agree on its premium valuation relative to historical averages, they continue to express confidence in the bank's long-term prospects, backed by solid earnings and a consistent dividend record. Some experts have suggested a cautious approach, recommending trimming positions or taking profits due to high valuations, yet many maintain it as a core holding in their portfolios. The overall funding environment and regulatory moves are seen as conducive to future growth, despite the potential macroeconomic challenges ahead.

consensus icon
Consensus
Hold
valuation icon
Valuation
Overvalued
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Similar
TD,TD
BUY
Market is generally negative on the banks because they see the yield curve flattening in the US. In fact, the yield curve has steepend in Canada which is very positive for the banks. Feels you can do better in some of the larger banks, especially Bank of Nova Scotia and Royal Bank.
BUY
Have a good franchise on the retail side and their big mistake is that they have not cut the costs and made it work. Had really good growth on their wealth management side.
DON'T BUY
Has had a wonderful upbull. In 2000 it was $35 and got up to $65. About January 2004 the stock started to meander. There was a dividend, but not much capital appreciation. It is currently at a crossroad. Put a stop/loss in at $61.50.
BUY
Expects bank stocks will do quite well over a 5 year horizon. They do well in retail, wealth management and sometimes in international growth. Have a lot of cash on their balance sheets and can buy back stocks, pay extra dividends or do acquisitions. In the next 12 months the return will be lower than previous.
BUY
Q: Coming into an inheritance. What is a buy for a long term hold that pays dividends? A: Good dividend. 2/3 of gains over time are made from dividends. Good long term hold.
WAIT
Not too excited on the near term prospects on it, but you shouldn't lose a lot here. Really need to address problems in the US. Have a great Canadian franchise. Return on Equity (ROE) is lower than the group and their capital ratios are not as good. Balance sheet is weaker. Until you see them focusing on their US problems, stay clear.
TOP PICK
Was up 4% last year with the group when the majors were up 13%. Essentially a 10% laggard to the group. Whenever a bank has lagged that much, it will catch up. It's hopefully a fixable problem. 2 aspects in the US, mortgages making only a little bit of money, and the broker side.
WAIT
Good long term hold. Would hold off buying until they clean up the mess in the US.
BUY
#1 bank for value today is National. Differential of 21% between what they think it's worth and the current stock price. Toronto Dominion is #2 and Royal is #3. Not much difference between the current price and their model price. Banks have paused here for awhile.
BUY
Has stumbled in the last couple of years because of its US strategy. Reasonable value, but prefers Bank of Nova Scotia and Toronto Dominion.
TOP PICK
Market is discounting all the bad news on the stock. The US franchise has to be sorted out and that's a big issue, but people are overlooking that the broker part of the US business is doing OK. Have to get out of the insurance business because it makes no sense to be in insurance in the US. 3 1/2% yield.
WEAK BUY
A range trader. A very defensive name. Not his favourite play in the bank sector.
TOP PICK
Top Short Has ongoing US problems. Uptrend has been broken. The small rally was only able to reach the uptrend line. If interest rates go up, it is going to have some problems.
BUY
Banks are trading at about 60% of the same price earnings multiple of the market, so not a problem. Not a bad place to be for long term stability.
DON'T BUY
Not a fan of the banks. Historically, they are all trading at 55 valuation highs and have always had major corrections.
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