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Royal Bank of Canada (RY) is a strong buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The stock demonstrates solid financial performance, positive analyst sentiment, and a stable growth outlook. Despite the absence of proprietary trading signals, the company's strong fundamentals, positive news catalysts, and favorable options data make it an attractive long-term investment.
The technical indicators are moderately bullish. The MACD is positive and contracting, indicating a continuation of the uptrend. Moving averages are aligned bullishly (SMA_5 > SMA_20 > SMA_200). The RSI is neutral at 42.995, and the stock is trading near its support level of 166.585, with resistance at 170.729. Overall, the technical setup suggests a stable entry point.

Strong financial performance with Q4 2025 revenue up 18.40% YoY and net income up 28.22% YoY. EPS increased by 29.55% YoY.
Dividend raised by 6.5%, appealing to income-focused investors.
Launch of GoSmart platform, supported by a high-profile marketing campaign, showcasing innovation and customer engagement.
Analysts have consistently raised price targets, with most maintaining Buy or Outperform ratings.
Jefferies downgraded the stock to Hold, citing fair valuation and potential credit pressures.
RSI is neutral, indicating no immediate momentum for a breakout.
In Q4 2025, Royal Bank of Canada reported a revenue increase of 18.40% YoY to $16.59 billion. Net income grew 28.22% YoY to $5.29 billion, and EPS rose 29.55% YoY to $3.77. These results highlight strong growth and operational efficiency.
Analysts are overwhelmingly positive on RY. Recent upgrades include TD Securities upgrading to Buy with a price target of C$246 and BofA raising its target to $169. Most analysts highlight strong fundamentals, stable credit outlook, and benefits from AI-driven savings and HSBC synergies. The consensus reflects confidence in the stock's long-term growth potential.