RY Stock Analysis: Buy, Sell, or Hold?
RY - Royal Bank of Canada
$166.23
-2.55 (-1.51%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 26, 2026
26d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: RY shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: RY shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$247.21
Based on 7.1% avg growth
INTRINSIC VALUE TODAY
$153.50
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RY is currently trading at $166.23, which is considered slightly low relative to its 30-day fair value range of $168.15 to $171.15. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 29.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, RY is in a strong uptrend. The price is currently testing key support at $164.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RY is in a strong uptrend. The price is currently testing key support at $164.95. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$168.15 -
$171.15
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($164.72)
Fair Price Analysis
30-Day Fair Range
$168.15 -
$171.15
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$164.95
Resistance Level
$169.94
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.80
Wall Street Target
$164.72
(-2.4%)
Revenue Growth (YoY)
13.8%
Earnings Growth (YoY)
29.2%
Profit Margin
32.7%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
9.8 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$166.25
(-2%)
2-Year Target
$163.75
(-3%)
3-Year Target
$161.30
(-4%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$167.84
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 10.2%)
$513.78
(+204%)
Base:
(SPY PE: 9.8, Growth: 10.2%)
$225.85
(+34%)
Bear:
(PE: 8.3, Growth: 10.2%)
$191.97
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 16.44 | Current EPS (TTM): $10.27
Bull Case
$311.37
(+85%)
Analyst growth 67.7%, PE expands to 18.1
Base Case
$283.06
(+68%)
Market implied 67.7%, PE stable at 16.4
Bear Case
$114.81
(-32%)
Severe decline -20.0%, PE contracts to 14.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.8 to 10.2
Stabilization Target:
$175.62
(+4.1%)
PE Expansion Potential:
+4.1%
Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM
Data refreshes hourly during market hours. Next update: 5:11 PM
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Technical Signals Check
Is RY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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