RY · NYSE · STOCK
Royal Bank of Canada (RY) Stock Analysis
$191.88
52W $143.13 – $218.57
57/100
$266.71B
17.2
0.91
Is RY Bullish or Bearish?
Mixed.
Innellis AI committee rates Royal Bank of Canada (RY) Watch with a composite score of 57/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.27 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.73 from today. The band boundary is 45.0, 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 16.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 4.5% pays you to wait — Value
- Revenue growing 135.3% YoY -- genuine top-line momentum — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
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 October 10, 2026
Overall Committee Score
57/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 67%
of 211 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 16.1% shows genuine earnings power backing the valuation
− Debt-to-equity of 2.59 adds balance-sheet risk to the value case
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 135.3% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− 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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 55.1 to 56.7.
- Committee agreement increased notably from 33% to 50%.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Technical Analyst.
Analyst-level changes:
- Technical Analyst: stance bearish->neutral; score 38->48 (+10).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
30.6
Neutral
MACD Histogram
-0.755
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$165.03
Resistance
$218.06
Bollinger %B
0.12
Inside Bands
Price vs Moving Averages
EMA 9
$194.57
Below
EMA 21
$198.40
Below
EMA 50
$201.84
Below
EMA 200
$187.61
Above
Fundamental Analysis
Valuation
91
Growth
83
Profitability
58
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
17.2×
P/B Ratio
2.62×
PEG Ratio
0.86
Dividend Yield
2.40%
52W High
$218.57
52W Low
$143.13
Quality & Growth
ROE
1463.9%
ROA
87.6%
Gross Margin
4853.0%
Operating Margin
2033.5%
Revenue Growth YoY
—
Debt / Equity
2.88
AI Fundamental Assessment
P/E ratio of 17.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.6x; PEG ratio of 0.9 (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 15.9%; Gross margin of 48.5%; Current ratio of 4.85 (healthy short-term liquidity); Debt-to-equity of 2.88; Free cash flow per share is positive (33.04); Most recent quarter beat estimates by 1.9%; 4 consecutive earnings beats; EPS growth accelerating (-4.4% -> +9.7% QoQ); Analyst estimates rising over recent quarters
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