(RY) Royal Bank of Canada - Ratings and Ratios

Royal Bank of Canada (NYSE:RY) is a global financial institution offering a wide range of banking and financial services. Its Personal Banking segment provides retail banking products, including mortgages, personal loans, chequing and savings accounts, credit cards, and investment solutions like mutual funds and GICs. The segment also offers private banking services for high-net-worth individuals. Additionally, RBC provides auto financing solutions to individual and commercial clients.

The Commercial Banking division delivers lending, deposit, and transaction banking services to businesses. This includes cash management, trade finance, and commercial loans tailored to the needs of small, medium, and large enterprises. The segment also provides treasury and payment solutions to help businesses manage their financial operations efficiently.

The Wealth Management segment offers a comprehensive suite of financial services, including wealth planning, investment management, trust services, and private banking. It also provides asset management solutions to institutional and individual clients, as well as asset servicing to financial institutions, asset managers, and asset owners. This segment is a key contributor to RBCs revenue, leveraging its global network and expertise in wealth management.

The Insurance segment provides a broad range of insurance products, including life, health, travel, and property and casualty insurance. It also offers wealth insurance solutions and reinsurance services. The segment utilizes digital platforms and partnerships with independent brokers to deliver client-focused advice and solutions, ensuring comprehensive coverage for both individual and institutional clients.

The Capital Markets segment specializes in advisory and origination services, sales and trading, lending and financing, and transaction banking. It serves corporations, institutional clients, asset managers, private equity firms, and government entities. This segment is a major player in global capital markets, offering expertise in mergers and acquisitions, equity and debt financing, and securities trading.

Royal Bank of Canada, founded in 1864 and headquartered in Toronto, Canada, is one of the largest banks in the world by market capitalization. It operates in over 38 countries, with a strong presence in North America and growing operations in global markets. The bank is known for its financial stability, diversified business model, and commitment to innovation in digital banking and financial services.

3-month forecast: Based on technical and fundamental analysis, RY is expected to maintain stable growth. The stock price is likely to trade within a narrow range, supported by its strong earnings and dividend yield. The SMA 20 and SMA 50 indicate short-term upward momentum, while the SMA 200 suggests resistance at higher levels. With a moderate ATR of 2.81, volatility is expected to remain manageable. Fundamental strength, including a P/E of 13.18 and RoE of 13.35, supports the outlook for steady performance.