Royal Bank of Canada (RY) FY2025Q4 Earning Prediction

12/03 05:00:00

Pre-Market

Royal Bank of Canada (RY) is set to release its FY2025Q4 earnings performance on 12/03 05:00:00 in Pre-Market trading. Consensus forecasts predict a revenue of 16.86B and an earnings per share (EPS) of 2.51 for the FY2025Q4. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!

Estimate

Actual

Surprise

RevenueBEAT

16.86B

17.21B

+2.08%

EPSBEAT

2.51

2.76

+9.96%

AI Summary

AI Earnings Prediction

Prediction for FY2025Q4

Earnings Date: Dec 3, 2025

The earnings forecast predicts a Beat scenario, supported by growth drivers, efficient expense management, and strong ROE, despite some valuation concerns.

Beat

Last 0 quarters:

4 beats1 misses

Scenario Analysis

The AI analyzes the probability of each scenario occurring and identifies the triggering conditions.

Scenario

Prob.

Stock Reaction

Trigger Condition

Strong Beat

20%

+5-7%

Revenue growth >12%, ROE >18%, PCL flat QoQ.

Beat

45%

+2-4%

Revenue growth 10-12%, EPS meets raised estimates.

Neutral

25%

Flat

Revenue growth <10%, modest PCL increase.

Miss

-3-5%

Expense growth >5%, PCL spikes unexpectedly.

Strong Miss

-7-10%

Revenue growth <8%, ROE <16%.

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Key Indicators Forecast

The AI provides itemized forecasts for key indicators, potentially including revenue, EPS, gross margin, and free cash flow.

Revenue

EPS

Currency:

No data

Actual

Estimate

Metric

Prediction

Justification

Revenue

Beat

Partnerships (DoorDash, Live Nation) and Capital Markets activity (Reworld IPO) support double-digit growth in core segments.

EPS

Beat

Net interest margin expansion, expense discipline, and stable PCL align with upward EPS revisions.

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Prediction Logic & Rational

Key Fact Data Insights

Revenue Growth Drivers:

DoorDash Partnership Renewal (Nov 2025): Extending complimentary DashPass benefits to RBC cardholders could incentivize credit card usage and customer retention, supporting Personal Banking revenue growth.
Live Nation Amphitheatre Sponsorship (Oct 2025): Brand visibility and expanded venue usage by 2030 may indirectly aid Wealth Management/Capital Markets through cross-selling opportunities and client engagement.
Reworld IPO Advisory Role (Sept 2025): RBC’s involvement in a $1B+ U.S. IPO signals strong Capital Markets advisory revenue potential.

Net Interest Income Momentum:

Analyst upgrades (UBS, Raymond James) highlight higher net interest margins and loan growth, driven by RBC’s favorable product mix and hedging strategies.

Expense Control:

Analysts (UBS, Raymond James) cite efficiency gains from tech investments and operational streamlining, likely curbing noninterest expense growth.

Credit Risk Mitigation:

While Jefferies warns of lingering credit pressures, Raymond James notes RBC’s lower lending exposure versus peers, suggesting manageable provisions for credit losses (PCL).

ROE Strength:

Multiple analysts (UBS, Raymond James, National Bank) emphasize RBC’s leading ROE (>17%), supported by diversified revenue streams and operational efficiency.

Neutral/Miss Risks

CIBC/Jefferies downgrades caution about valuation post-rally and conservative consensus estimates, implying upside may already be priced in.

Prediction Logic & Rational

Tactical Strategy Recommendations

Directional Play: Buy pre-earnings calls (Dec 03 expiry) with strikes near $155 (ATM). Upside to $160 (+5%) on a Beat.
Hedged Play: Long call spread (Buy $155 Call / Sell $160 Call) to limit premium costs.
Caution: Trim positions if stock rallies >3% pre-earnings (risk of “buy the rumor, sell the news”).

Key Risk: Overly optimistic consensus (EPS revisions +1.8% in 3 months) raises the bar for a Beat. Neutral/Beat scenarios are most probable.

Tactical Strategy Recommendations

Earnings Surprise Analysis

The chart displays the extent of earnings surprises and corresponding stock price movements for each earnings event.

Revenue

EPS

RY Transcript

Royal Bank of Canada (RY:CA) Presents at RBC Capital Markets Canadian Bank CEO Conference Transcript

Neutral1-8

Royal Bank of Canada (RY:CA) Q4 2025 Earnings Call Transcript

Unknown12-3

The earnings call presents a mixed outlook. Financial performance is strong with a 17%+ ROE and growth in wealth management, but concerns about CUSMA and economic uncertainties persist. The Q&A reveals cautious sentiment, with management avoiding specifics on key issues. While AI investments and capital market prospects are positive, uncertainties in trade and sectoral impacts in Ontario dampen enthusiasm. No clear guidance adjustments were made, balancing positive and negative factors, resulting in a neutral stock price prediction.

Royal Bank Of Canada (RY:CA) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Neutral9-9

Royal Bank of Canada (RY) Q3 2025 Earnings Call Transcript

Positive8-27

The earnings call highlights strong financial performance with record high net interest income, solid credit card growth, and significant increases in wealth management assets. Positive factors include a dividend increase, share buybacks, and optimistic guidance on ROE and capital management. Although there are concerns about economic conditions affecting provisions for credit losses, the bank maintains a stable credit outlook. The Q&A session reinforces confidence in growth strategies and efficiency improvements. Overall, the positive financial metrics and strategic initiatives suggest a likely stock price increase in the next two weeks.

RY Slides

Royal Bank of Canada Q3 2025 slides: Record earnings and strong operating leverage

2025-08-27

RY Report

ROYAL BANK OF CANADA 6-K

6-K

2025-02-04

ROYAL BANK OF CANADA 6-K

6-K

2025-01-24

ROYAL BANK OF CANADA 6-K

6-K

2025-01-10

ROYAL BANK OF CANADA 6-K

6-K

2024-12-04

Frequently Asked Questions

What is the Royal Bank of Canada FY2025Q4 Earnings Release Date and Time?

Royal Bank of Canada (RY) is scheduled to release its FY2025Q4 earnings report onDec 3, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.

What Are the Consensus Forecasts for Royal Bank of Canada FY2025Q4 Revenue and EPS?

Analysts' consensus predicts 16.86B in revenue and an EPS of 2.51 for Royal Bank of Canada's FY2025Q4.

What Does Intellectia's AI Predict for Royal Bank of Canada FY2025Q4 Earnings?

Intellectia's exclusive AI algorithms forecast a Beat forRoyal Bank of Canada's FY2025Q4 earnings, with a prediction date of Dec 3, 2025. Royal Bank of Canada The earnings forecast predicts a Beat scenario, supported by growth drivers, efficient expense management, and strong ROE, despite some valuation concerns.

How Can I Use This Earnings Prediction to Trade RY Stock?

Leverage Intellectia's AI forecast to position trades ahead of theDec 3, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.

How Accurate Is Intellectia's AI for Earnings Predictions Like Royal Bank of Canada FY2025Q4?

Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.

How does AI Earnings Prediction generate its forecasts?

AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!

When are the predictions available, and how often are they updated?

Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.

Can I use AI Earnings Prediction for all types of stocks?

Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2024-2025 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!