Oct 2025 (Q4 FY25) — Dec 3, 2025
Royal Bank of Canada Q4 FY25 — Record Earnings and Raised ROE Target
Read the full callRoyal Bank of Canada (RY) earnings
- Oct 2025 (Q4 FY25)
- Oct 2025
Royal Bank of Canada earnings: last reported Wed, 3 Dec 2025, for the quarter ended Oct 2025.
Price
$196.3 −0.76% · −$1.5
Performance +34.6% 1Y
1Y: $145.79 on 17 Oct 2025 → $196.3. High $217.87 (15 Jul 2026), low $145.41 (6 Nov 2025).
- Previous close
- $197.8
- 52-week range
- $145.41 – $217.87
- One year
- +33.59%
Overview
- Symbol
- RY
- Sector
- Financials
- Industry
- Commercial Banks, NEC
- Exchange
- US
- Currency
- USD
Call summaries
Jul 2025 (Q3 FY25) — Aug 27, 2025
Royal Bank of Canada Q3 FY25 — Record Earnings and Strong Capital Generation
Read the full callEvery analysed call
Royal Bank of Canada earnings calls (RY)
Financials
What the filings say
| Line item | Oct 2018 | Oct 2019 | Oct 2020 | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Total liabilities | 955,953 | 1,022,664 | 1,156,396 | 1,301,546 | 1,323,316 | 1,365,182 | 1,469,998 | 1,558,296 |
| Fixed assets | 2,158 | 2,426 | 5,966 | 6,011 | 5,277 | 4,871 | 4,927 | 4,861 |
| Total assets | 1,016,867 | 1,086,234 | 1,221,644 | 1,381,507 | 1,402,446 | 1,448,294 | 1,561,454 | 1,657,497 |
| Line item | Oct 2018 | Oct 2019 | Oct 2020 | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 13,313 | 10,844 | 104,390 | 49,424 | 16,051 | 18,824 | 16,638 | 39,366 |
| Cash from investing | -6,109 | -8,458 | -29,746 | -46,431 | -41,735 | -20,401 | -15,019 | -48,883 |
| Cash from financing | -5,881 | -5,669 | -5,825 | -4,800 | -1,598 | -7,097 | -5,857 | -4,784 |
| Net cash flow | 1,373 | -2,964 | 69,618 | -4,082 | -30,320 | -7,512 | -3,786 | -14,043 |
RY operating KPIs by quarter
| KPI | Jul 2025 Q3 FY25 | Oct 2025 Q4 FY25 | Change vs prior quarter |
|---|---|---|---|
| Gross impaired loans | 8.8B CADGross impaired loans of $8.8 billion were down $0.2 billion or 3 basis points from last quarter, primarily driven by our wholesale portfolios, which saw lower new formations.Source: earnings call transcript | 8.7B CADGross impaired loans of $8.7 billion were down by $69 million or 2 basis points from last quarter, primarily driven by accounts returning to performing status and higher write-offs as total new formations were flat quarter-over-quarter.Source: earnings call transcript | -1.1% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
No filings in the last 12 months.
No officer, director or 10% owner of RY filed a Form 4 in this window. That is a statement about filings, not about ownership — see the note below.
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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