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MUFG (58) TD (66) SAN (49) SMFG (57) ⌘ Pro Terminal →

Royal Bank Of Canada (RY) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$204.57 +0.78% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $204.47

Royal Bank Of Canada (RY) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $281.01B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RY Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Royal Bank Of Canada (NYSE: RY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $204.57 (+0.78% 1D, market cap $281.01B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RY ranks #321 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RY compare to MUFG and TD in the Financials sector?
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Within the Financials sector (Commercial Banks), RY carries a Roarable C (62/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, MUFG (Mitsubishi UFJ Financial Group Inc.) holds a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $255.87B) and TD (Toronto Dominion Bank) posts a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $203.32B). Among the 5-stock peer group, RY leads on earnings multiple (32.8x) while RY leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RY?
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For Royal Bank Of Canada (RY), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #321 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $204.47 (-0.05%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (11)Whales (14)SEC (15)Macro (10)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$246 Bull$208 Base$162 Bear
📬 FREE RY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RY)Realized 20D OHLCV Swing Band: ±2.9%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY RY SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±2.9% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (53.6) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$193.82+4.2% Next Q
Q2 (-2Q)
57
Grade C$202.02+1.4% Next Q
Q3 (-1Q)
59
Grade C$204.77-0.1% Next Q
Current
62
Grade C$204.57+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, RY faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($201.50) or 200D SMA ($189.76) invalidates the momentum regime and cuts Target Base ($208.25) toward Bear Floor ($162.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RY Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

RY Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (RY)

No recent open-market Form 4 cluster sales or emergency dumps flagged on RY. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RY Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.97%⚡ TESTING RESISTANCE
2026-11-03O $206.0H $206.0L $203.0C $204.6VOL 1.47M
RES: $207.8SMA50: $201.5SMA200: $189.8
$222.9$204.9$186.8$168.8$150.8RES $207.8$204.62026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RY Butterfly Map → + Track RY →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. +2.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RY)

Financials Rank #321 of 1097 ⚔️ MUFG vs RY Full Matrix →

1. Head-to-Head Financials Peer Comparison (RY vs. MUFG, TD, SAN, SMFG)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Royal Bank Of Canada (RY) ranks #321 by composite RQD confidence (62/100, grade C) and #8 by equity capitalization ($281.01B). Within this direct 5-issuer industry benchmark cohort, RY leads on earnings valuation at 32.8x trailing P/E, while RY leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. TD currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with RY at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RY ACTIVE
Royal Bank Of Canada
C 62/100 32.8x — 9.9% +0.78% $281.01B Benchmark Subject
MUFG
Mitsubishi UFJ Financial Group Inc.
D+ 58/100 32.8x — 9.9% -0.51% $255.87B /mufg-vs-ry →
TD
Toronto Dominion Bank
C+ 66/100 32.8x — 9.9% +0.43% $203.32B /td-vs-ry →
SAN
Banco Santander S.A. Sponsored ADR (Spain)
D 49/100 32.8x — 9.9% +2.41% $161.97B /san-vs-ry →
SMFG
Sumitomo Mitsui Financial Group Inc Unsponsored American
D+ 57/100 32.8x — 9.9% -0.78% $154.44B /smfg-vs-ry →

2. RY Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Royal Bank Of Canada (RY) operates in Commercial Banks (Financials) with an equity capitalization of $281.01B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. RY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Royal Bank Of Canada (NYSE: RY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $204.57 (+0.78% 1D, market cap $281.01B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, RY ranks #321 in composite RQD confidence.

How does RY compare to MUFG and TD in the Financials sector?

Within the Financials sector (Commercial Banks), RY carries a Roarable C (62/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, MUFG (Mitsubishi UFJ Financial Group Inc.) holds a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $255.87B) and TD (Toronto Dominion Bank) posts a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $203.32B). Among the 5-stock peer group, RY leads on earnings multiple (32.8x) while RY leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RY?

For Royal Bank Of Canada (RY), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #321 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RY trading relative to its 50-day, 200-day, and 52-week technical levels?

RY last traded at $204.57 (+0.78% on volume of 817,407 shares), positioning the stock +1.52% above its 50-day simple moving average ($201.50) and +7.80% above its 200-day simple moving average ($189.76). Across its 52-week range of $143.38 to $218.57, RY sits at the 81.4% percentile with a 14-day RSI of 53.6 (NEUTRAL RANGE) and an implied next-earnings move of ±2.9% ($198.64 to $210.50).

Direct Sub-Reports: RY RQD Cockpit RY 12M Forecast RY Earnings & Move RY Dividends & DRIP RY Insiders & 13F RY Whale Options RY Profit Sankey RY News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

RY — Royal Bank Of Canada: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Royal Bank Of Canada (RY) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $204.57 (+0.78% 1D, market capitalization $281.01B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 1.13x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Royal Bank Of Canada (RY) is a NYSE-listed issuer in the Financials sector, Commercial Banks industry. The company has a market capitalization of $285.2B. — regarding specific products, customer segments, or revenue model.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $143.38 – $218.57 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 1.13x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks. A prospective investor should note that the only sector context available is the classification as Financials / Commercial Banks.

  • Key Question #1: Can RY sustain or expand its 13.9% operating margin and 9.9% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $218.57 52-week high?
  • Key Question #3: How sensitive is RY's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.13x)?

RY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Royal Bank Of Canada (RY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RY Bull vs. Bear Conversation Board — What's Your Call at $204.57?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $253.72 (+25.0%)
📌 Pinned Debate

Whale 13F flow scores 16/20 and the forensic balance sheet scores 15/20 (Piotroski F 7/9), indicating institutional accumulation on a s

Don't sleep on RY's setup in Financials. Whale 13F flow scores 16/20 and the forensic balance sheet scores 15/20 (Piotroski F 7/9), indicating institutional accumulation on a sound balance sheet.. Beta of 1.13 means it moves fast when momentum turns, and the 5-pillar RQD gauge (62/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@SkepticalCFA Fair point on 32.8x trailing P/E, but you're ignoring the forward operating leverage in Commercial Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $166.44 (-18.0%)
Spot @ $202.98

P/E (TTM) of 32.8 against a 2.21% FCF yield and beta of 1.13 leaves the valuation stretched relative to cash generation.

Here is the bear case nobody on the bull side wants to address on RY: P/E (TTM) of 32.8 against a 2.21% FCF yield and beta of 1.13 leaves the valuation stretched relative to cash generation.. At 32.8x trailing P/E, even a small guidance miss in Commercial Banks triggers a 12-15% air pocket.

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