RY · NYSE · STOCK
Royal Bank of Canada
$210.34
52W $133.66 – $218.57
61/100
$292.22B
19.0
0.93
Is RY Bullish or Bearish?
Bullish.
Innellis AI committee rates Royal Bank of Canada (RY) Buy with a composite score of 61/100
, based on 6 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.75 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -6.25 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 135.3% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 2.59) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 16.0% shows genuine earnings power backing the valuation — Value
- Revenue growing 135.3% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Debt-to-equity of 2.59 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.59) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
61/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 64%
of 209 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 16.0% shows genuine earnings power backing the valuation
− Debt-to-equity of 2.59 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 135.3% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.59) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
49.9
Neutral
MACD Histogram
-0.471
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.43
Inside Bands
Price vs Moving Averages
EMA 9
$210.51
Below
EMA 21
$209.79
Above
EMA 50
$204.28
Above
EMA 200
$179.42
Above
Fundamental Analysis
Valuation
87
Profitability
65
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
19.0×
P/B Ratio
2.90×
PEG Ratio
0.84
Dividend Yield
2.24%
52W High
$218.57
52W Low
$133.66
Quality & Growth
ROE
1463.9%
ROA
87.6%
Gross Margin
5455.2%
Operating Margin
2456.4%
Revenue Growth YoY
—
Debt / Equity
2.77
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 19.0 (inexpensive relative to a 15-40x range); Price-to-book of 2.9x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.6%; Return on assets of 0.9%; Net margin of 18.4%; Gross margin of 54.6%; Current ratio of 4.42 (healthy short-term liquidity); Debt-to-equity of 2.77; Free cash flow per share is positive (51.14); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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