| This report is for educational purposes only, and not to provide
investment advice. Before making any
investment decision, you should always do your own research or consult a
investment professional. |
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| While I try to
be accurate, I assume no responsibility for any figure in this spreadsheet. |
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| See my website
on stocks or see my blog at the following sites. |
www.spbrunner.com/stocks.html |
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www.spbrunner.blogspot.com/ |
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| Royal Bank |
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TSX: |
RY |
NYSE: |
RY |
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www.rbc.com |
Fiscal Yr: |
Oct 31 |
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| Year |
10/31/00 |
10/31/01 |
10/31/02 |
10/31/03 |
10/31/04 |
10/31/05 |
10/31/06 |
10/31/07 |
10/31/08 |
10/31/09 |
10/31/10 |
10/31/11 |
10/30/12 |
10/30/13 |
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#Y |
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| Accting Rules |
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C GAAP |
C GAAP |
IFRS |
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| split |
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2 |
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| Revenue* |
$12,698 |
$16,076 |
$17,255 |
$17,418 |
$18,121 |
$19,200 |
$20,637 |
$22,462 |
$21,582 |
$29,106 |
$28,330 |
$27,430 |
$28,440 |
$29,468 |
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70.63% |
<-Total Growth |
10 |
Revenue |
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| Increase |
14.1% |
26.6% |
7.3% |
0.9% |
4.0% |
6.0% |
7.5% |
8.8% |
-3.9% |
34.9% |
-2.7% |
-3.2% |
3.7% |
3.6% |
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5.49% |
<-IRR #YR-> |
10 |
Revenue |
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| Rev per Share |
10.54 |
11.93 |
12.97 |
13.28 |
14.05 |
14.84 |
16.11 |
17.60 |
16.09 |
20.53 |
19.88 |
19.07 |
19.77 |
20.49 |
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5.86% |
<-IRR #YR-> |
5 |
Revenue |
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| P/S (Price/Sales) |
2.29 |
1.96 |
2.10 |
2.39 |
2.23 |
2.81 |
3.13 |
3.18 |
2.91 |
2.67 |
2.74 |
2.55 |
2.46 |
2.37 |
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4.81% |
<-IRR #YR-> |
10 |
Rev per Share |
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| *Total Revenue on Cdn GAAP |
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P/S |
10 yr |
2.70 |
5 yr |
2.74 |
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3.43% |
<-IRR #YR-> |
5 |
Rev per Share |
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-$16,076 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$27,430 |
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-$20,637 |
$0 |
$0 |
$0 |
$0 |
$27,430 |
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-$11.93 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$19.07 |
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-$16.11 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$19.07 |
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| pre-split 06 |
$3.51 |
$3.52 |
$3.93 |
$4.39 |
$4.23 |
$5.13 |
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| EPS* |
$1.76 |
$1.76 |
$1.97 |
$2.20 |
$2.12 |
$2.57 |
$3.59 |
$4.19 |
$3.38 |
$2.59 |
$3.46 |
$3.19 |
$4.61 |
$5.01 |
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81.25% |
<-Total Growth |
10 |
Earnings |
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| Increase |
38.7% |
0.3% |
11.6% |
11.7% |
-3.6% |
21.3% |
40.0% |
16.7% |
-19.3% |
-23.4% |
33.6% |
-7.8% |
44.5% |
8.7% |
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6.13% |
<-IRR #YR-> |
10 |
Earnings |
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| Earnings Yield |
7.3% |
7.5% |
7.2% |
6.9% |
6.7% |
6.2% |
7.1% |
7.5% |
7.2% |
4.7% |
6.4% |
6.6% |
9.5% |
10.3% |
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-2.33% |
<-IRR #YR-> |
5 |
Earnings |
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| * ESP per
share (Cdn GAAP) |
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E/P |
10 Yrs |
6.83% |
5Yrs |
6.56% |
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-$1.76 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.19 |
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-$3.59 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.19 |
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| pre-split 06 |
$1.14 |
$1.38 |
$1.52 |
$1.72 |
$2.02 |
$2.35 |
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| Div* |
$0.57 |
$0.69 |
$0.76 |
$0.86 |
$1.01 |
$1.18 |
$1.36 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$2.08 |
$2.16 |
$2.16 |
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201.45% |
<-Total Growth |
10 |
Dividends |
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| Increase |
21.3% |
21.1% |
10.1% |
13.2% |
17.4% |
16.3% |
15.7% |
26.5% |
16.3% |
0.0% |
0.0% |
4.0% |
3.8% |
0.0% |
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14.45% |
<-Median-> |
10 |
Dividends |
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| Yield H/L Pr. |
2.99% |
2.91% |
2.92% |
3.03% |
3.25% |
3.23% |
2.94% |
3.11% |
4.22% |
4.77% |
3.59% |
3.92% |
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3.24% |
<-Median-> |
10 |
Dividends |
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| Yield on High Pr. |
2.33% |
2.59% |
2.58% |
2.66% |
3.08% |
2.82% |
2.67% |
2.82% |
3.58% |
3.45% |
3.20% |
3.42% |
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2.95% |
<-Median-> |
10 |
Dividends |
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| Yield on Low Pr. |
4.18% |
3.32% |
3.37% |
3.52% |
3.43% |
3.79% |
3.28% |
3.47% |
5.12% |
7.75% |
4.09% |
4.58% |
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3.65% |
<-Median-> |
10 |
Dividends |
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| Yield on Cl Pr. |
2.36% |
2.95% |
2.79% |
2.71% |
3.22% |
2.82% |
2.70% |
3.07% |
4.27% |
3.65% |
3.68% |
4.28% |
4.44% |
4.44% |
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3.14% |
<-Median-> |
10 |
Dividends |
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| Payout Ratio |
32.5% |
39.2% |
38.7% |
39.2% |
47.8% |
45.8% |
37.9% |
41.1% |
59.2% |
77.2% |
57.8% |
65.2% |
46.9% |
43.1% |
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46.78% |
<-Median-> |
10 |
DPR EPS |
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| Payout Ratio CF |
-4.8% |
-12.9% |
-33.4% |
-11.8% |
67.4% |
-5.1% |
-11.6% |
11.3% |
23.5% |
38.3% |
25.2% |
28.9% |
36.1% |
33.8% |
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17.37% |
<-Median-> |
10 |
DPR CF |
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| Payout Ratio CF NC |
19.5% |
24.9% |
23.4% |
25.5% |
31.2% |
41.1% |
31.0% |
33.7% |
39.4% |
32.5% |
35.7% |
48.4% |
36.1% |
33.8% |
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33.09% |
<-Median-> |
10 |
DPR CF NC |
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| Average 5 Yrs |
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Div Yd |
7.49% |
in 5 yrs |
12.61% |
in 10 yrs |
Yield |
3.92% |
3.79% |
Payout |
60.09% |
25.44% |
30.41% |
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11.67% |
<-IRR #YR-> |
10 |
Dividends |
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| * Dividends per
share |
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11.0% |
5 |
11.0% |
10 |
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Last Div Chge ---> |
$0.50 |
$0.54 |
8.0% |
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8.87% |
<-IRR #YR-> |
5 |
Dividends |
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-$0.69 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$2.08 |
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-$1.36 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$2.08 |
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| I am earning |
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# yrs are-> |
17 |
Trading |
$7.26 |
1995 |
29.75% |
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| Yield if held 5 yrs |
7.96% |
7.44% |
5.05% |
4.60% |
5.63% |
6.17% |
5.74% |
6.62% |
7.04% |
6.43% |
5.50% |
4.50% |
3.91% |
4.55% |
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5.68% |
<-Median-> |
10 |
Dividends |
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| Yield if held 10 yrs |
5.02% |
5.75% |
6.02% |
6.76% |
14.17% |
16.42% |
14.67% |
11.42% |
10.69% |
11.15% |
10.50% |
8.77% |
8.31% |
7.60% |
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10.92% |
<-Median-> |
10 |
Dividends |
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| H/LYield held 15 yrs |
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10.34% |
11.33% |
13.62% |
15.72% |
28.06% |
27.94% |
22.44% |
14.35% |
11.54% |
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15.72% |
<-Median-> |
7 |
Dividends |
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| H/LYield held 20 yrs |
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17.60% |
17.33% |
17.11% |
16.98% |
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17.47% |
<-Median-> |
2 |
Dividends |
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| Graham No. |
$19.42 |
$21.78 |
$23.93 |
$25.51 |
$25.66 |
$28.08 |
$36.46 |
$40.67 |
$39.92 |
$36.32 |
$43.19 |
$42.91 |
$51.58 |
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97.05% |
<-Total Growth |
10 |
Graham Price |
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| Prem /Disc.Med H/L |
-1.95% |
8.90% |
8.57% |
11.37% |
21.28% |
29.37% |
26.74% |
35.94% |
18.85% |
15.38% |
28.94% |
23.81% |
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20.07% |
<-Median |
10 |
Graham Price |
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| Prem/Disc. High |
25.9% |
22.3% |
23.0% |
26.9% |
27.8% |
48.4% |
39.9% |
50.2% |
39.9% |
59.7% |
44.5% |
41.7% |
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39.89% |
<-Median |
10 |
Graham Price |
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| Prem/Disc. Low |
-29.8% |
-4.5% |
-5.9% |
-4.1% |
14.8% |
10.4% |
13.6% |
21.7% |
-2.2% |
-28.9% |
13.3% |
6.0% |
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4.09% |
<-Median |
10 |
Graham Price |
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| Prem/Disc. Cl |
24.4% |
7.5% |
13.7% |
24.4% |
22.4% |
48.4% |
38.2% |
37.8% |
17.3% |
50.9% |
25.9% |
13.3% |
-5.7% |
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25.19% |
<-Median |
10 |
Graham Price |
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| pre-split 06 |
$48.30 |
$46.80 |
$54.41 |
$63.48 |
$62.80 |
$83.33 |
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| Price Cl |
$24.15 |
$23.40 |
$27.21 |
$31.74 |
$31.40 |
$41.67 |
$50.40 |
$56.04 |
$46.84 |
$54.80 |
$54.39 |
$48.62 |
$48.62 |
$48.62 |
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107.78% |
<-Total Growth |
10 |
Stock Price |
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| Increase |
52.2% |
-3.1% |
16.3% |
16.7% |
-1.1% |
32.7% |
21.0% |
11.2% |
-16.4% |
17.0% |
-0.7% |
-10.6% |
0.0% |
0.0% |
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7.59% |
<-IRR #YR-> |
10 |
Stock Price |
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| P/E |
13.8 |
13.3 |
13.8 |
14.5 |
14.8 |
16.2 |
14.0 |
13.4 |
13.9 |
21.2 |
15.7 |
15.2 |
10.5 |
9.7 |
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-0.72% |
<-IRR #YR-> |
5 |
Stock Price |
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| Trailing P/E |
19.1 |
13.3 |
15.5 |
16.2 |
14.3 |
19.7 |
19.6 |
15.6 |
11.2 |
16.2 |
21.0 |
14.1 |
15.2 |
10.5 |
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11.90% |
<-IRR #YR-> |
10 |
Price & Div |
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| Median 10, 5 Yrs |
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4.32% |
3.93% |
Div % |
Ret. |
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Price Inc |
-0.75% |
P/E: |
14.65 |
15.24 |
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3.22% |
<-IRR #YR-> |
5 |
Price & Div |
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-$23.40 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$48.62 |
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-$50.40 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$48.62 |
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-$23.40 |
$0.76 |
$0.86 |
$1.01 |
$1.18 |
$1.36 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$50.70 |
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-$50.40 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$50.70 |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Median H/L |
$19.04 |
$23.71 |
$25.99 |
$28.41 |
$31.12 |
$36.33 |
$46.20 |
$55.29 |
$47.44 |
$41.91 |
$55.69 |
$53.13 |
|
|
|
124.04% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
| Increase |
6.1% |
24.5% |
9.6% |
9.3% |
9.6% |
16.7% |
27.2% |
19.7% |
-14.2% |
-11.7% |
32.9% |
-4.6% |
|
|
|
8.40% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
| P/E |
10.8 |
13.5 |
13.2 |
12.9 |
14.7 |
14.2 |
12.9 |
13.2 |
14.0 |
16.2 |
16.1 |
16.7 |
|
|
|
2.83% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
| Trailing P/E |
15.1 |
13.5 |
14.8 |
14.5 |
14.2 |
17.2 |
18.0 |
15.4 |
11.3 |
12.4 |
21.5 |
15.4 |
|
|
|
12.52% |
<-IRR #YR-> |
10 |
Price & Div |
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
|
4.12% |
4.00% |
Div % |
Ret. |
|
Price Inc |
-4.60% |
P/E: |
14.10 |
16.09 |
|
|
|
6.84% |
<-IRR #YR-> |
5 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$23.71 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$53.13 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$46.20 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$53.13 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$23.71 |
$0.76 |
$0.86 |
$1.01 |
$1.18 |
$1.36 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$55.21 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$46.20 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$55.21 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Hi Mth |
Oct |
Jan&Aug |
Jun&Oct |
Oct |
Feb |
Oct |
Mar |
May 07 |
Nov 07 |
Sep 09 |
May 10 |
Mar 11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| pre-split 06 |
$48.88 |
$53.25 |
$58.89 |
$64.73 |
$65.59 |
$83.33 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Hi |
$24.44 |
$26.63 |
$29.45 |
$32.37 |
$32.80 |
$41.67 |
$51.00 |
$61.08 |
$55.84 |
$58.00 |
$62.42 |
$60.79 |
|
|
|
128.32% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
| Increase |
16.0% |
8.9% |
10.6% |
9.9% |
1.3% |
27.0% |
22.4% |
19.8% |
-8.6% |
3.9% |
7.6% |
-2.6% |
|
|
|
8.61% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
| P/E |
13.9 |
15.1 |
15.0 |
14.7 |
15.5 |
16.2 |
14.2 |
14.6 |
16.5 |
22.4 |
18.0 |
19.1 |
|
|
|
3.57% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
| Trailing P/E |
19.3 |
15.2 |
16.7 |
16.5 |
14.9 |
19.7 |
19.9 |
17.0 |
13.3 |
17.2 |
24.1 |
17.6 |
|
|
|
12.25% |
<-IRR #YR-> |
10 |
Price & Div |
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
Price Inc |
3.87% |
P/E: |
15.87 |
18.04 |
|
|
|
7.15% |
<-IRR #YR-> |
5 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$26.63 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$60.79 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$51.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$60.79 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$26.63 |
$0.76 |
$0.86 |
$1.01 |
$1.18 |
$1.36 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$62.87 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$51.00 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$62.87 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Low Mth |
Jan-Mar |
May |
Apr |
Feb |
Jun- Jul |
Nov |
Nov |
Nov 06 |
Oct 08 |
Feb 09 |
Aug 10 |
Sep 11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| pre-split 06 |
$27.28 |
$41.60 |
$45.05 |
$48.90 |
$58.90 |
$62.00 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Low |
$13.64 |
$20.80 |
$22.53 |
$24.45 |
$29.45 |
$31.00 |
$41.41 |
$49.50 |
$39.04 |
$25.82 |
$48.95 |
$45.46 |
|
|
|
118.56% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
| Increase |
-8.0% |
52.5% |
8.3% |
8.5% |
20.4% |
5.3% |
33.6% |
19.6% |
-21.1% |
-33.9% |
89.6% |
-7.1% |
|
|
|
8.13% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
| P/E |
7.8 |
11.8 |
11.5 |
11.1 |
13.9 |
12.1 |
11.5 |
11.8 |
11.6 |
10.0 |
14.1 |
14.3 |
|
|
|
1.89% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
| Trailing P/E |
10.8 |
11.9 |
12.8 |
12.4 |
13.4 |
14.7 |
16.1 |
13.8 |
9.3 |
7.6 |
18.9 |
13.1 |
|
|
|
12.87% |
<-IRR #YR-> |
10 |
Price & Div |
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
Price Inc |
-7.13% |
P/E: |
11.68 |
11.81 |
|
|
|
6.43% |
<-IRR #YR-> |
5 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$20.80 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$45.46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$41.41 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$45.46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$20.80 |
$0.76 |
$0.86 |
$1.01 |
$1.18 |
$1.36 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$47.54 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$41.41 |
$1.72 |
$2.00 |
$2.00 |
$2.00 |
$47.54 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Market Cap $M |
$29,096 |
$31,544 |
$36,197 |
$41,644 |
$40,490 |
$53,894 |
$64,557 |
$71,522 |
$62,825 |
$77,685 |
$77,501 |
$69,934 |
$69,934 |
$69,934 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre-spit |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre-split 06 |
602.398 |
674.021 |
665.257 |
656.021 |
644.748 |
646.751 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| # of Shares |
1204.80 |
1348.04 |
1330.51 |
1312.04 |
1289.50 |
1293.50 |
1280.89 |
1276.26 |
1341.26 |
1417.61 |
1424.92 |
1438.38 |
1438.38 |
1438.38 |
|
Share
Capital |
|
Shares |
|
|
|
|
|
|
|
| Increase |
-2.5% |
11.9% |
-1.3% |
-1.4% |
-1.7% |
0.3% |
-1.0% |
-0.4% |
5.1% |
5.7% |
0.5% |
0.9% |
0.0% |
0.0% |
|
1.70% |
<-Average |
|
Shares |
|
|
|
|
|
|
|
| OCF |
-$14,329 |
-$7,207 |
-$3,028 |
-$9,542 |
$1,931 |
-$29,529 |
-$14,996 |
$19,473 |
$11,432 |
$7,403 |
$11,294 |
$10,338 |
$8,601 |
$9,206 |
|
-243.44% |
<-Total Growth |
10 |
Cash Flow |
|
|
|
|
|
|
|
| OPS |
-$11.89 |
-$5.35 |
-$2.28 |
-$7.27 |
$1.50 |
-$22.83 |
-$11.71 |
$15.26 |
$8.52 |
$5.22 |
$7.93 |
$7.19 |
$5.98 |
$6.40 |
|
-234.44% |
<-Total Growth |
10 |
Cash Flow |
|
|
|
|
|
|
|
| Non-Cash CF |
$17,846 |
$10,948 |
$7,356 |
$13,966 |
$2,250 |
$33,231 |
$20,617 |
-$12,965 |
-$4,615 |
$1,333 |
-$3,302 |
-$4,157 |
|
|
|
#NUM! |
<-IRR #YR-> |
10 |
Cash Flow |
|
|
|
|
|
|
|
| OPS non-cash |
$2.92 |
$2.78 |
$3.25 |
$3.37 |
$3.24 |
$2.86 |
$4.39 |
$5.10 |
$5.08 |
$6.16 |
$5.61 |
$4.30 |
$5.98 |
$6.40 |
|
-17.15% |
<-IRR #YR-> |
4 |
Cash Flow |
|
|
|
|
|
|
|
| Increase |
|
-4.93% |
17.22% |
3.66% |
-3.84% |
-11.73% |
53.33% |
16.20% |
-0.33% |
21.25% |
-8.99% |
-23.38% |
|
|
|
4.47% |
<-IRR #YR-> |
10 |
CF - non cash |
|
|
|
|
|
|
| P/O on Cl |
8.27 |
8.43 |
8.36 |
9.41 |
9.68 |
14.56 |
11.48 |
10.99 |
9.22 |
8.89 |
9.70 |
11.31 |
8.13 |
7.60 |
|
-0.42% |
<-IRR #YR-> |
5 |
CF - non cash |
|
|
|
|
|
|
| *Operational
Cash Flow per share |
|
|
|
|
|
P/CF |
10 yr |
9.69 |
5 yr |
9.70 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5.35 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
$7.19 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-15.26 |
0.00 |
0.00 |
0.00 |
$7.19 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-2.78 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
$4.30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-4.39 |
0.00 |
0.00 |
0.00 |
0.00 |
$4.30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| OPM |
17.9% |
15.0% |
16.8% |
17.3% |
15.7% |
17.6% |
22.9% |
21.0% |
21.1% |
12.3% |
18.4% |
17.7% |
|
|
|
should be zero, it is a check
on calculations |
|
|
|
|
|
|
|
|
|
|
| Diff from Ave. |
1.4% |
-15.1% |
-4.9% |
-2.3% |
-11.3% |
-0.1% |
29.7% |
19.2% |
19.5% |
-30.3% |
4.4% |
0.1% |
|
|
|
0.00 |
<-Median-> |
10 |
OPM |
|
|
|
|
|
|
|
| *Operational
Profit Margin (Net Income/Revenue) Ratio for banks |
|
|
OPM |
10 Yrs |
17.66% |
5 Yrs |
18.44% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Banks usually have a ratio of 1.04 or 1.05 |
|
|
|
|
|
|
|
| Tot Assets |
$289,740 |
$359,260 |
$376,959 |
$412,591 |
$447,682 |
$469,521 |
$536,780 |
$600,346 |
$723,859 |
$654,989 |
$726,206 |
$751,702 |
$751,702 |
|
|
A/L ratio of 1.5 and up, best |
|
Assets |
|
|
|
|
|
|
|
| Tot Liab. |
$276,199 |
$341,095 |
$358,176 |
$394,474 |
$429,307 |
$451,146 |
$514,657 |
$575,907 |
$693,101 |
$618,083 |
$687,255 |
$709,995 |
$709,995 |
|
|
1.05 |
<-Median-> |
10 |
Liabilities |
|
|
|
|
|
|
|
| Liquidity |
1.05 |
1.05 |
1.05 |
1.05 |
1.04 |
1.04 |
1.04 |
1.04 |
1.04 |
1.06 |
1.06 |
1.06 |
1.06 |
|
|
1.06 |
<-Median-> |
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Tot Book Value |
$13,541 |
$18,165 |
$18,783 |
$18,117 |
$18,375 |
$18,375 |
$22,123 |
$24,439 |
$30,758 |
$36,906 |
$38,951 |
$41,707 |
$41,707 |
$41,707 |
|
|
|
|
|
|
|
|
|
|
|
|
| Preferred Shares |
$2,037 |
$2,024 |
$1,545 |
$832 |
$532 |
$698 |
$1,048 |
$2,044 |
$2,658 |
$4,811 |
$4,813 |
$4,813 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Book Value |
$11,504 |
$16,141 |
$17,238 |
$17,285 |
$17,843 |
$17,677 |
$21,075 |
$22,395 |
$28,100 |
$32,095 |
$34,138 |
$36,894 |
$36,894 |
$36,894 |
|
128.57% |
<-Total Growth |
10 |
Book Value |
|
|
|
|
|
|
|
| BV per share |
$9.55 |
$11.97 |
$12.96 |
$13.17 |
$13.84 |
$13.67 |
$16.45 |
$17.55 |
$20.95 |
$22.64 |
$23.96 |
$25.65 |
$25.65 |
$25.65 |
|
114.22% |
<-Total Growth |
10 |
Book Value |
|
|
|
|
|
|
|
| Change |
11.23% |
25.40% |
8.20% |
1.68% |
5.03% |
-1.24% |
20.40% |
6.65% |
19.39% |
8.07% |
5.82% |
7.06% |
0.00% |
0.00% |
|
0.8101 |
Current/Historical |
|
Book Value |
|
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| P/BV (CL) |
2.53 |
1.95 |
2.10 |
2.41 |
2.27 |
3.05 |
3.06 |
3.19 |
2.24 |
2.42 |
2.27 |
1.90 |
1.90 |
1.90 |
|
7.92% |
<-IRR #YR-> |
10 |
Book Value |
|
|
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|
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| Change |
36.85% |
-22.73% |
7.45% |
14.74% |
-5.81% |
34.35% |
0.47% |
4.26% |
-29.99% |
8.26% |
-6.21% |
-16.51% |
0.00% |
0.00% |
|
9.29% |
<-IRR #YR-> |
5 |
Book Value |
|
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| Leverage (A/BK) |
25.19 |
22.26 |
21.87 |
23.87 |
25.09 |
26.56 |
25.47 |
26.81 |
25.76 |
20.41 |
21.27 |
20.37 |
20.37 |
0.00 |
|
24.48 |
<-Median-> |
10 |
A/BV |
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| Debt/Equity Ratio |
24.01 |
21.13 |
20.78 |
22.82 |
24.06 |
25.52 |
24.42 |
25.72 |
24.67 |
19.26 |
20.13 |
19.24 |
19.24 |
0.00 |
|
23.44 |
<-Median-> |
10 |
Debt/Eq Ratio |
|
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| Sharerholders Equity (Assets less liabilities) |
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P/BV |
10 yr Med |
2.34 |
5 yr Med |
2.27 |
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-$11.97 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$25.65 |
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-$16.45 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$25.65 |
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| ROE |
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|
21.3% |
19.4% |
19.2% |
13.7% |
14.2% |
14.4% |
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Comprehensive Inc |
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| 5Yr Ave |
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17.6% |
16.2% |
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| Comprehensive Inc |
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|
$4,498 |
$4,335 |
$5,403 |
$4,396 |
$4,840 |
$5,326 |
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| ROE |
19.8% |
14.9% |
16.8% |
17.4% |
15.9% |
19.2% |
22.4% |
21.1% |
16.2% |
11.2% |
15.3% |
13.2% |
|
|
|
Net Income/Shareholders'
equity |
|
|
ROE |
|
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|
| 5Yr Median |
19.4% |
18.7% |
16.8% |
16.8% |
16.8% |
16.8% |
17.4% |
19.2% |
19.2% |
19.2% |
16.2% |
15.3% |
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ROE |
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| Net Income |
$2,274 |
$2,411 |
$2,898 |
$3,005 |
$2,839 |
$3,387 |
$4,728 |
$4,728 |
$4,555 |
$3,585 |
$5,223 |
$4,852 |
|
|
|
101.24% |
<-Total Growth |
10 |
Net Income |
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|
| Oper C. F. |
-$14,329 |
-$7,207 |
-$3,028 |
-$9,542 |
$1,931 |
-$29,529 |
-$14,996 |
$19,473 |
$11,432 |
$7,403 |
$11,294 |
$10,338 |
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|
C F Statement |
|
Oper C. F. |
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| Invest. C. F |
-$2,390 |
-$22,719 |
-$6,129 |
-$5,433 |
-$12,413 |
-$7,725 |
-$43,235 |
-$36,390 |
-$44,653 |
$15,918 |
-$51,574 |
-$32,936 |
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|
C F Statement |
|
Invest. C. F |
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|
| Total Accruals |
$18,993 |
$32,337 |
$12,055 |
$17,980 |
$13,321 |
$40,641 |
$62,959 |
$21,645 |
$37,776 |
-$19,736 |
$45,503 |
$27,450 |
|
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Accruals |
|
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|
| Total Assets |
$289,740 |
$359,260 |
$376,959 |
$412,591 |
$447,682 |
$469,521 |
$536,780 |
$600,346 |
$723,859 |
$654,989 |
$726,206 |
$751,702 |
|
|
|
|
Balance Sheet |
|
Assets |
|
|
|
|
|
|
|
| Accruals Ratio |
6.6% |
9.0% |
3.2% |
4.4% |
3.0% |
8.7% |
11.7% |
3.6% |
5.2% |
-3.0% |
6.3% |
3.7% |
|
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Ratio |
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| Chge in Cl |
52.2% |
-3.1% |
16.3% |
16.7% |
-1.1% |
32.7% |
21.0% |
11.2% |
-16.4% |
17.0% |
-0.7% |
-10.6% |
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| Fin C. F. |
$15,206 |
$30,769 |
$8,944 |
$16,973 |
$15,142 |
$38,666 |
$57,711 |
$17,374 |
$39,198 |
-$25,783 |
$41,425 |
$29,174 |
|
|
|
|
C F Statement |
|
Fin. C. F |
|
|
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|
|
|
| Total Accruals |
$3,787 |
$1,568 |
$3,111 |
$1,007 |
-$1,821 |
$1,975 |
$5,248 |
$4,271 |
-$1,422 |
$6,047 |
$4,078 |
-$1,724 |
|
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|
Accruals |
|
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|
|
| Accruals Ratio |
1.31% |
0.44% |
0.83% |
0.24% |
-0.41% |
0.42% |
0.98% |
0.71% |
-0.20% |
0.92% |
0.56% |
-0.23% |
|
|
|
0.49% |
<-Median-> |
10 |
Accruals Ratio |
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| Net Cash Flow |
$1,513 |
$843 |
$213 |
$1,998 |
$4,660 |
$1,412 |
$520 |
$457 |
$5,977 |
$2,462 |
$1,145 |
$6,576 |
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| Per share |
$1.26 |
$0.63 |
$0.16 |
$1.52 |
$3.61 |
$1.09 |
$0.41 |
$0.36 |
$4.46 |
$1.74 |
$0.80 |
$4.57 |
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| 5 yr Running |
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|
$0.18 |
$0.87 |
$1.34 |
$1.13 |
$1.24 |
$1.82 |
$0.75 |
$0.70 |
$1.69 |
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| Dec 16,
2011. Last estimates were for 2011 and
2012 at $4.44 and $4.67 for EPS and $4.46 and $5.94 for CF. |
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| Dec 14,
2010. At last review, I picked up
estimates for 2010 and 2011 for earnings of $432 and $5.10 and cash flow of
$6.70 and $9.20 |
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| Dec 17,
2009. When I last reviewed this stock
in Dec 2008, I picked up a earnings for 2009 of $4.35. Feb 2010 matched
unaudited results with audited and found no change. |
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| I have had
this stock for a long time. It has
done what I expected for a solid financial stock. |
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| Possiblity
for more purchase, but a little high in price. |
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| AR 2006. Still doing well. |
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| 2005. Still doing well. |
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| 2004. Still doing well. |
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| 2003. Note both this stock and RY's stock has
increased in price re P/E and is at a 10 year high. |
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| This bank has
been paying dividends since 1870. |
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| How they make their money |
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| Royal Bank
of Canada (RY on TSX and NYSE) and its subsidiaries operate under the master
brand name RBC. They are one of Canada's largest banks as measured by assets
and |
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| market
capitalization, and are among the largest banks in the world, based on market
capitalization. They provide diversified financial services companies, and
provide personal and |
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| commercial
banking, wealth management services, insurance, corporate and investment
banking and transaction processing services on a global basis. They have
personal, business, |
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| public sector
and institutional clients through offices in Canada, the U.S. and 56 other
countries. |
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| May 29,
2008 |
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| RBC was
taken to task earlier this year for not increasing its dividend in the midst
of the liquidity crisis caused by ABCP/sub-prime mortgages (I am a
shareholder of RBC). However, remember RBC didn’t make |
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| $5.4 billion
in profits last year without knowing a thing or two about growing a business
and managing risk. A temporary halt to dividend increases to an industry in
flux is a good thing if it gives financial |
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| flexibility
to ride the crisis out or to buy out a competitor on the cheap. Those who
criticized RBC for not increasing their dividends also over-looked the fact
that RBC made $4.5 billion worth of acquisitions |
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| in fiscal
2007; it was using its free cash to expand. Cash is king in a crisis. It
allows you significant breathing space and buying opportunities so why limit
yourself financially by increasing the dividend? There’s |
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| also some
interesting speculation about RBC- it didn’t increase its dividend and has
quietly raised over $1 billion in new financings (mostly through preference
share issues)- what is it stock-piling cash for? |
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| For most ratios, lower is better when looking for a good stock price. However, there are exceptions such as for
yield and asset/liability ratios and here you want a higher ratios to
indicate a good stock price. |
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| Also, for the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare
companies in similar industries. |
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| Copyright © 2008 Website of SPBrunner. All rights reserved. |
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| My Stock |
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27/10/95 |
-$11,610 |
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30/11/11 |
$75,616 |
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12.34% |
XIRR |
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17.90% |
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5.56% |
31.1% |
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