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加拿大皇家银行 RY

美股市值排名 #54银行-综合
$201.16 −$2.60 (-1.28%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $201.16 0.00%
开盘$202.21
昨收$203.76
当日区间$200.80 – $203.68
成交量1.59M
市值$278.49B
市盈率（TTM）17.8
股息率2.33%

基本面

最新报告季度：Q3, ended Jul 2026 · 报告货币为CAD

营收C$18.51B+9.1% YoY
净利润C$6.02B+11.3% YoY
摊薄每股收益C$4.23+12.8% YoY
自由现金流C$34.36B+20.7% YoY
经营现金流C$35.10B

营收，近8个季度

C$15.1BOct '24C$16.7BJan '25C$15.7BApr '25C$17.0BJul '25C$17.2BOct '25C$17.9BJan '26C$17.4BApr '26C$18.5BJul '26

净利润，近8个季度

C$4.2BOct '24C$5.1BJan '25C$4.4BApr '25C$5.4BJul '25C$5.4BOct '25C$5.8BJan '26C$5.5BApr '26C$6.0BJul '26

各季度摊薄每股收益

2.91Oct '243.54Jan '253.02Apr '253.75Jul '253.76Oct '254.03Jan '263.85Apr '264.23Jul '26

各季度自由现金流

C$16.5BOct '24C$30.5BJan '25C$9.4BApr '25C$28.5BJul '25C$-15.3BOct '25C$37.3BJan '26C$20.8BApr '26C$34.4BJul '26

年度营收

C$47.1BFY20C$49.5BFY21C$48.8BFY22C$51.6BFY23C$57.5BFY24C$66.5BFY25

盈利能力与资产负债表

净利率31.2%
净资产收益率17.2%
资产收益率0.9%
负债/资产比率94.2%
现金及投资C$114.57B
总负债C$595.33B
净现金（净负债）-C$480.75B
自由现金流/营收108.6%

营收构成

2026/Q3 季度

按业务线

  • Wealth ManagementC$6.41B 34.6%
  • Personal BankingC$5.29B 28.5%
  • Capital MarketsC$4.21B 22.7%
  • Commercial BankingC$2.25B 12.1%
  • InsuranceC$328.00M 1.8%
  • Corporate SupportC$49.00M 0.3%

该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。

利润表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
报告营业总收入 C$18.54B C$17.45B C$17.96B C$66.61B C$17.21B
营业总收入 C$18.51B C$17.43B C$17.92B C$66.53B C$17.20B
净利息收入 C$8.74B C$8.51B C$8.59B C$33.00B C$8.65B
-利息收入 C$26.59B C$25.02B C$26.10B C$103.83B C$26.29B
-利息支出 C$17.84B C$16.52B C$17.52B C$70.83B C$17.65B
非利息收入 C$9.77B C$8.92B C$9.34B C$33.53B C$8.55B
-已赚保费合计 C$287.00M C$309.00M C$299.00M C$1.15B C$154.00M
-手续费及佣金 C$6.55B C$6.20B C$6.20B C$23.06B C$6.09B
-交易损益 C$962.00M C$609.00M C$1.18B C$3.13B C$604.00M
-投资银行业务利润 C$1.02B C$878.00M C$742.00M C$2.90B C$760.00M
-外汇交易收益 C$349.00M C$345.00M C$380.00M C$1.30B C$334.00M
-其他非利息收入 C$566.00M C$485.00M C$464.00M C$1.87B C$608.00M
-资产出售损益 C$29.00M C$102.00M C$76.00M C$120.00M C$2.00M
信用损失准备 -C$1.00B -C$912.00M -C$1.09B -C$4.36B -C$1.01B
非利息支出 C$9.79B C$9.44B C$9.46B C$36.52B C$9.34B
物业及设备费用 C$1.20B C$1.18B C$1.15B C$4.47B C$1.13B
专业及外包服务费用 C$574.00M C$513.00M C$471.00M C$2.18B C$609.00M
销售及管理费用 C$6.29B C$6.01B C$6.29B C$23.12B C$5.79B
-管理费用 C$6.29B C$6.01B C$6.29B C$23.12B C$5.79B
折旧、摊销与折耗 C$395.00M C$387.00M C$386.00M C$1.76B C$431.00M
-折旧与摊销 C$395.00M C$387.00M C$386.00M C$1.76B C$431.00M
其他非利息支出 C$1.33B C$1.35B C$1.17B C$4.99B C$1.38B
其他收入（支出） C$27.00M C$24.00M C$37.00M -C$4.00M -C$21.00M
联营企业及其他参股权益收益 C$27.00M C$24.00M C$37.00M C$73.00M C$13.00M
特殊收益（费用） C$0.00 C$0.00 C$0.00 -C$77.00M -C$34.00M
-减：重组及并购费用 C$0.00 C$0.00 C$0.00 C$43.00M C$0.00
税前利润 C$7.75B C$7.10B C$7.41B C$25.65B C$6.83B
税费 C$1.73B C$1.60B C$1.62B C$5.28B C$1.39B
净利润 C$6.02B C$5.51B C$5.79B C$20.37B C$5.43B
持续经营利润 C$6.02B C$5.51B C$5.79B C$20.37B C$5.43B
少数股东权益 C$2.00M C$2.00M C$1.00M C$7.00M C$2.00M
归属母公司净利润 C$6.02B C$5.51B C$5.78B C$20.36B C$5.43B
优先股股息 C$143.00M C$135.00M C$141.00M C$494.00M C$139.00M
归属普通股股东净利润 C$5.88B C$5.37B C$5.64B C$19.87B C$5.29B
基本每股收益 C$4.24 C$3.86 C$4.03 C$14.10 C$3.77
摊薄每股收益 C$4.23 C$3.85 C$4.03 C$14.07 C$3.76
每股股息 C$1.76 C$1.64 C$1.64 C$6.04 C$1.54
-减：资本性资产减值 – – – C$34.00M –
-Gain on Sale of Business – – – C$0.00 C$0.00

资产负债表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
总资产 C$2.50T C$2.40T C$2.34T C$2.33T C$2.33T
现金、现金等价物及联邦基金出售 C$428.61B C$409.87B C$379.10B C$410.63B C$410.63B
-现金及现金等价物 C$114.57B C$93.49B C$99.30B C$87.39B C$87.39B
-货币市场投资 C$314.04B C$316.38B C$279.80B C$309.68B C$309.68B
证券投资 C$646.16B C$612.36B C$588.97B C$561.79B C$561.79B
-交易性证券 C$252.21B C$236.60B C$124.84B C$186.84B C$186.84B
-可供出售证券 C$103.45B C$99.84B C$98.32B C$277.86B C$277.86B
-短期投资 C$290.50B C$275.93B C$365.80B C$97.09B C$97.09B
衍生资产 C$162.39B C$150.75B C$170.83B C$177.21B C$177.21B
贷款净额 C$1.11T C$1.08T C$1.05T C$1.04T C$1.04T
-贷款总额 C$1.12T C$1.09T C$1.06T C$1.05T C$1.05T
-贷款及租赁损失准备 C$7.43B C$7.52B C$7.40B C$7.09B C$7.09B
固定资产净值 C$6.95B C$6.78B C$6.72B C$6.82B C$6.82B
商誉及其他无形资产 C$26.82B C$26.54B C$26.60B C$26.81B C$26.81B
-商誉 C$19.49B C$19.24B C$19.26B C$19.41B C$19.41B
-其他无形资产 C$7.33B C$7.30B C$7.34B C$7.40B C$7.40B
其他资产 C$119.16B C$111.84B C$115.30B C$48.80B C$48.80B
负债合计 C$2.35T C$2.26T C$2.20T C$2.19T C$2.19T
存款合计 C$1.06T C$1.02T C$999.40B C$991.53B C$991.53B
联邦基金购入及回购协议下证券出售 C$325.19B C$312.95B C$288.02B C$289.52B C$289.52B
衍生产品负债 C$167.04B C$156.63B C$170.73B C$183.95B C$183.95B
短期债务及融资租赁负债 C$231.63B C$211.87B C$207.49B C$187.04B C$187.04B
-一年内到期债务 C$231.63B C$211.87B C$207.49B C$187.04B C$187.04B
交易性负债 C$59.41B C$57.47B C$47.81B C$49.89B C$49.89B
长期债务及融资租赁负债 C$363.70B C$361.80B C$347.21B C$358.40B C$358.40B
-长期债务 C$363.70B C$361.80B C$347.21B C$353.81B C$353.81B
其他负债 C$143.94B C$133.21B C$141.89B C$76.35B C$76.35B
股东权益合计 C$145.09B C$140.77B C$139.86B C$139.15B C$139.15B
股东权益 C$145.04B C$140.72B C$139.80B C$139.09B C$139.09B
股本 C$31.91B C$31.91B C$32.00B C$32.51B C$32.51B
-普通股 C$20.75B C$20.76B C$20.84B C$20.86B C$20.86B
-优先股 C$11.15B C$11.15B C$11.15B C$11.64B C$11.64B
留存收益 C$103.48B C$101.24B C$99.27B C$96.94B C$96.94B
减：库存股 C$136.00M C$137.00M C$31.00M C$78.00M C$78.00M
其他权益权益 C$9.79B C$7.70B C$8.57B C$9.73B C$9.73B
少数股东权益 C$58.00M C$56.00M C$57.00M C$59.00M C$59.00M
-受限现金及投资 – – – C$13.56B C$13.56B
长期股权投资 – – – C$829.00M C$829.00M
应收款 – – – C$41.21B C$41.21B
-应收账款 – – – C$13.37B C$13.37B
-其他应收款 – – – C$27.84B C$27.84B
-固定资产原值 – – – C$14.50B C$14.50B
-累计折旧 – – – -C$7.68B -C$7.68B
设定受益养老金 – – – C$4.01B C$4.01B
递延资产 – – – C$4.49B C$4.49B
应付款 – – – C$28.09B C$28.09B
-应付账款 – – – C$22.93B C$22.93B
-应付税款合计 – – – C$2.85B C$2.85B
-应付股利 – – – C$2.31B C$2.31B
一年内应计费用 – – – C$13.57B C$13.57B
-长期融资租赁负债 – – – C$4.59B C$4.59B
非流动负债 – – – C$782.00M C$782.00M
员工福利 – – – C$1.97B C$1.97B
一年以上递延负债 – – – C$4.76B C$4.76B

现金流量表

项目 2026 Q3
(CAD)		 2026 Q2
(CAD)		 2026 Q1
(CAD)		 2025 ANNUAL
(CAD)		 2025 Q4
(CAD)
经营活动现金流 C$35.10B C$21.28B C$37.90B C$55.22B -C$14.79B
持续经营经营活动现金流净额 C$35.10B C$21.28B C$37.90B C$55.22B -C$14.79B
持续经营净利润 C$6.02B C$5.51B C$5.79B C$20.37B C$5.43B
持续经营损益 -C$56.00M -C$126.00M -C$118.00M -C$205.00M -C$27.00M
折旧、折耗与摊销 C$740.00M C$722.00M C$710.00M C$3.08B C$757.00M
递延税款 C$32.00M -C$211.00M C$208.00M -C$216.00M -C$111.00M
营运资金变动 C$27.36B C$14.47B C$30.22B C$27.83B -C$21.85B
-贷款变动 -C$16.12B -C$34.83B C$15.62B -C$36.78B -C$35.65B
-Change in Other Working Capital C$43.48B C$49.30B C$14.61B C$64.61B C$13.81B
投资活动现金流净额 -C$27.60B C$379.00M -C$26.73B -C$68.57B C$17.42B
持续经营投资活动现金流净额 -C$27.60B C$379.00M -C$26.73B -C$68.57B C$17.42B
计息银行存款收付款 -C$16.29B C$18.93B -C$2.71B C$15.66B C$22.46B
固定资产购置及出售净额 -C$743.00M -C$459.00M -C$597.00M -C$2.24B -C$549.00M
业务购买及出售净额 C$0.00 -C$11.00M – C$0.00 C$0.00
投资购置及出售净额 -C$10.57B -C$18.08B -C$23.43B -C$81.98B -C$4.49B
筹资活动现金流 -C$3.71B -C$7.92B -C$1.28B -C$6.71B -C$661.00M
持续经营筹资活动现金流净额 -C$3.71B -C$7.92B -C$1.28B -C$6.71B -C$661.00M
Net Issuance Payments of Debt C$247.00M -C$3.73B C$2.48B C$2.26B C$2.51B
普通股发行净额 -C$1.54B -C$1.75B -C$953.00M -C$2.72B -C$978.00M
优先股发行净额 C$0.00 C$0.00 -C$499.00M C$2.60B C$111.00M
已付现金股利 -C$2.41B -C$2.43B -C$2.30B -C$8.80B -C$2.29B
其他筹资活动净额 -C$3.00M -C$1.00M -C$13.00M -C$39.00M -C$13.00M
期末现金余额 C$64.14B C$59.35B C$46.23B C$37.02B C$37.02B
现金净变动 C$3.78B C$13.73B C$9.89B -C$20.06B C$1.98B
期初现金余额 C$59.35B C$46.23B C$37.02B C$56.72B C$34.93B
汇率变动影响 C$1.01B -C$613.00M -C$683.00M C$361.00M C$120.00M
自由现金流 C$34.36B C$20.82B C$37.30B C$52.98B -C$15.33B

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