Royal Bank of Canada (RY) Q3 FY2026 Financial Statements: Revenue $13.24B, Net income $4.30B
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PeriodQ3 FY2026
Published
Royal Bank of Canada reported net income attributable to shareholders of $4.3 billion for Q3 FY2026, the quarter ended July 31, 2026, up 9.1% from a year earlier, on total revenue of $13.24 billion, up 7.0%. Diluted earnings per share were $3.02, up 10.6%, with Wealth Management, Capital Markets and Commercial Banking driving the gain. Return on common equity rose to 17.9% and the efficiency ratio improved to 52.8% from 54.4%, as revenue grew faster than expenses; RBC reports in Canadian dollars, and these amounts are converted to US dollars.
| Metric | Amount | vs. year ago |
|---|---|---|
| Revenue | $13,236,134,118 | up 7.0% |
| Net income | $4,299,708,688 | up 9.1% |
| Diluted EPS | $3.02 | up 10.6% |
| Return on common equity | 17.9% | up 0.6 points |
| Efficiency ratio | 52.8% | down 1.6 points |
Figures link to the filing they came from. Wherever the SEC filing tags a number, that number is linked: click it and the filing opens at the exact line that prints it. Figures calculated here, such as margins, free cash flow and trailing-twelve-month totals, have no line in a filing to point to and are not linked.
About this file
| Ticker | RY |
|---|---|
| CIK | 0001000275 |
| Company | Royal Bank of Canada |
| Business type | bank |
| Schema template | bank |
| Reporting currency | CAD |
| Converted to USD | yes |
| Units | actual US dollars (not millions), converted from Canadian dollars; per-share figures are per common share in US dollars (RBC common shares trade directly on the NYSE; there is no ADR); share counts are actual numbers of common shares; ratios are in percent |
RY annual income statement, balance sheet and cash flow
| FY2025 | FY2024 | |
|---|---|---|
| Period start | 2024-11-01 | 2023-11-01 |
| Period end | 2025-10-31 | 2024-10-31 |
| Period type | fiscal year | fiscal year |
| Source accession | 40-F | 40-F |
| Income statement | ||
| Total interest income | 73,923,420,107 | 77,243,916,226 |
| Total interest expense | 50,427,413,716 | 56,670,513,492 |
| Net interest income | 23,496,006,391 | 20,573,402,733 |
| Trading revenue | 2,225,000,605 | 1,712,671,562 |
| Investment management and custodial fees | 7,580,666,062 | 6,863,198,243 |
| Mutual fund revenue | 3,619,808,985 | 3,265,631,164 |
| Underwriting and other advisory fees | 2,064,088,561 | 1,966,591,497 |
| Total noninterest income | 23,926,766,508 | 21,631,770,462 |
| Total revenue | 47,422,772,899 | 42,205,173,195 |
| Provision for credit losses | 3,105,744,845 | 2,378,751,391 |
| Human resources expense | 16,462,868,478 | 15,517,084,028 |
| Total noninterest expense | 26,053,511,087 | 25,207,993,547 |
| Income before income taxes | 18,263,516,968 | 14,618,428,258 |
| Income taxes | 3,760,785,023 | 2,665,791,318 |
| Net income | 14,502,731,945 | 11,952,636,940 |
| Net income attributable to shareholders | 14,497,747,943 | 11,945,276,942 |
| Net income attributable to noncontrolling interests | 4,984,001 | 7,359,998 |
| Preferred dividends and other equity distributions | -351,728,096 | -236,991,939 |
| Net income available to common shareholders | 14,146,019,848 | 11,708,285,003 |
| Basic EPS | 10.0392 | 8.2947 |
| Diluted EPS | 10.0178 | 8.2800 |
| Weighted average basic shares | 1,409,072,000 | 1,411,903,000 |
| Weighted average diluted shares | 1,411,589,000 | 1,413,755,000 |
| Dividends per common share | 4.3005 | 4.1216 |
| Cash flow | ||
| Net cash from operating activities | 39,316,650,694 | 17,030,299,640 |
| Net cash from investing activities | -48,821,141,279 | -15,372,828,065 |
| Net cash from financing activities | -4,778,233,300 | -5,995,454,465 |
| Net acquisitions of premises and equipment and other intangibles | -1,597,016,434 | -1,678,079,570 |
| Common shares purchased for cancellation | -1,970,816,536 | -103,039,974 |
| Dividends paid on shares and other equity instruments | -6,265,601,704 | -4,884,830,749 |
| Net change in cash and due from banks | -14,025,691,815 | -3,875,775,008 |
| Balance sheet | ||
| Cash and due from banks | 26,398,103,421 | 40,727,104,063 |
| Interest bearing deposits with banks | 35,909,520,329 | 47,402,348,434 |
| Trading securities | 156,194,720,237 | 131,609,367,887 |
| Investment securities | 244,359,993,583 | 184,251,679,043 |
| Total securities | 400,554,713,820 | 315,861,046,930 |
| Assets purchased under reverse repurchase agreements and securities borrowed | 220,803,907,239 | 251,876,492,542 |
| Retail loans | 465,121,120,836 | 450,170,094,158 |
| Wholesale loans | 283,182,830,966 | 258,795,138,854 |
| Total loans | 748,303,951,801 | 708,965,233,012 |
| Allowance for loan losses | -5,057,307,356 | -4,334,564,942 |
| Net loans | 743,246,644,445 | 704,630,668,070 |
| Derivative assets | 126,347,836,937 | 108,139,389,614 |
| Goodwill | 13,835,760,503 | 13,847,344,621 |
| Total assets | 1,657,728,739,238 | 1,559,195,495,556 |
| Personal deposits | 377,704,497,246 | 374,895,710,525 |
| Business and government deposits | 674,721,662,715 | 602,882,912,897 |
| Bank deposits | 28,207,696,832 | 34,264,387,639 |
| Total deposits | 1,080,633,856,794 | 1,012,043,011,062 |
| Derivative liabilities | 131,158,446,374 | 117,581,805,310 |
| Subordinated debentures | 9,954,189,765 | 9,726,025,627 |
| Total liabilities | 1,558,514,108,483 | 1,467,871,661,839 |
| Preferred shares and other equity instruments | 8,324,272,295 | 6,484,256,418 |
| Common shares | 14,796,884,191 | 15,043,532,329 |
| Retained earnings | 69,116,771,537 | 63,620,528,477 |
| Equity attributable to shareholders | 99,172,563,769 | 91,249,879,735 |
| Noncontrolling interests | 42,066,986 | 73,953,982 |
| Total equity | 99,214,630,755 | 91,323,833,717 |
| Common equity | 90,848,291,474 | 84,765,623,317 |
| Common shares outstanding | 1,400,114,000 | 1,414,504,000 |
| Regulatory capital | ||
| Cet1 ratio % | 13.5% | 13.2% |
| Tier1 capital ratio % | 15.1% | 14.6% |
| Total capital ratio % | 16.8% | 16.4% |
| Leverage ratio % | 4.4% | 4.2% |
| Total risk weighted assets | 520,650,255,789 | 482,698,358,222 |
| Cet1 capital | 70,407,301,118 | 63,856,032,419 |
| Key metrics | ||
| Return on common equity % | 16.3% | 14.4% |
| Net interest margin % | 1.62% | 1.54% |
| Efficiency ratio % | 54.9% | 59.7% |
| Conversion | ||
| Currency | CAD | CAD |
| Average | ||
| Cad per USD | 1.404494 | 1.358696 |
| Closing | ||
| Cad per USD | 1.402525 | 1.392758 |
- Accounting basis. IFRS (audited annual consolidated financial statements)
- Conversion: average source, FY2025. 2025 Annual Report, Exhibit 2 to Form 40-F (accession 0001193125-25-305927), Table 1: Period average US$ equivalent of C$1.00 0.712 (2025); inverted to C$ per US$
- Conversion: average source, FY2024. 2025 Annual Report, Exhibit 2 to Form 40-F (accession 0001193125-25-305927), Table 1: Period average US$ equivalent of C$1.00 0.736 (2024); inverted to C$ per US$
- Conversion: closing source, FY2025. 2025 Annual Report, Exhibit 2 to Form 40-F (accession 0001193125-25-305927), Table 1: Period-end US$ equivalent of C$1.00 0.713 (October 31, 2025); inverted to C$ per US$
- Conversion: closing source, FY2024. 2025 Annual Report, Exhibit 2 to Form 40-F (accession 0001193125-25-305927), Table 1: Period-end US$ equivalent of C$1.00 0.718 (October 31, 2024); inverted to C$ per US$
RY quarterly income statement, balance sheet and cash flow
| Q3 FY2026 | Q3 FY2025 | |
|---|---|---|
| Fiscal quarter | 3 | 3 |
| Period start | 2026-05-01 | 2025-05-01 |
| Period end | 2026-07-31 | 2025-07-31 |
| Period type | three months | three months |
| Source accession | 6-K | 6-K |
| Income statement | ||
| Total interest income | 18,981,693,037 | 19,008,085,170 |
| Total interest expense | 12,738,476,038 | 12,928,555,517 |
| Net interest income | 6,243,216,999 | 6,079,529,654 |
| Trading revenue | 686,868,110 | 498,680,136 |
| Investment management and custodial fees | 2,224,824,356 | 1,923,376,523 |
| Mutual fund revenue | 1,088,136,174 | 926,744,252 |
| Underwriting and other advisory fees | 730,422,117 | 618,800,168 |
| Total noninterest income | 6,992,917,119 | 6,285,553,710 |
| Total revenue | 13,236,134,118 | 12,365,083,363 |
| Provision for credit losses | 714,000,114 | 641,368,174 |
| Human resources expense | 4,491,774,719 | 4,272,633,162 |
| Total noninterest expense | 6,989,347,118 | 6,720,897,828 |
| Income before income taxes | 5,532,786,885 | 5,002,817,361 |
| Income taxes | 1,231,650,197 | 1,061,424,289 |
| Net income | 4,301,136,688 | 3,941,393,072 |
| Net income attributable to shareholders | 4,299,708,688 | 3,942,121,072 |
| Net income attributable to noncontrolling interests | 1,428,000 | -728,000 |
| Preferred dividends and other equity distributions | -102,102,016 | -91,000,025 |
| Net income available to common shareholders | 4,197,606,672 | 3,851,121,048 |
| Basic EPS | 3.0274 | 2.7373 |
| Diluted EPS | 3.0202 | 2.7300 |
| Weighted average basic shares | 1,387,423,000 | 1,407,280,000 |
| Weighted average diluted shares | 1,391,074,000 | 1,409,680,000 |
| Dividends per common share | 1.2566 | 1.1211 |
| Cash flow | ||
| Net cash from operating activities | 25,061,404,010 | 21,112,005,742 |
| Net cash from investing activities | -19,707,831,153 | -27,642,895,519 |
| Net cash from financing activities | -2,651,796,424 | -2,842,112,773 |
| Net acquisitions of premises and equipment and other intangibles | -530,502,085 | -385,840,105 |
| Common shares purchased for cancellation | -1,144,542,183 | -695,240,189 |
| Dividends paid on shares and other equity instruments | -1,723,596,276 | -1,600,872,435 |
| Net change in cash and due from banks | 3,422,202,548 | -9,969,234,712 |
| Balance sheet | ||
| Cash and due from banks | 45,731,805,137 | |
| Interest bearing deposits with banks | 35,959,430,313 | |
| Trading securities | 179,825,671,557 | |
| Investment securities | 280,887,684,712 | |
| Total securities | 460,713,356,268 | 388,444,538,144 |
| Assets purchased under reverse repurchase agreements and securities borrowed | 223,909,021,230 | |
| Retail loans | 486,137,502,005 | |
| Wholesale loans | 309,683,606,353 | |
| Total loans | 795,821,108,358 | |
| Allowance for loan losses | -5,296,875,279 | |
| Net loans | 790,524,233,080 | 740,381,880,116 |
| Derivative assets | 115,781,180,371 | 111,926,569,736 |
| Goodwill | 13,895,652,484 | |
| Total assets | 1,781,655,941,962 | 1,608,538,224,834 |
| Personal deposits | 384,034,509,189 | |
| Business and government deposits | 732,193,009,037 | |
| Bank deposits | 56,352,649,685 | |
| Total deposits | 1,172,580,167,911 | 1,069,626,047,441 |
| Derivative liabilities | 119,098,055,293 | |
| Subordinated debentures | 9,682,536,853 | |
| Total liabilities | 1,678,203,953,584 | |
| Preferred shares and other equity instruments | 7,924,279,425 | |
| Common shares | 14,729,149,213 | |
| Retained earnings | 73,779,077,022 | |
| Equity attributable to shareholders | 103,410,634,392 | |
| Noncontrolling interests | 41,353,987 | |
| Total equity | 103,451,988,378 | |
| Common equity | 95,486,354,967 | 89,574,900,978 |
| Common shares outstanding | 1,384,554,000 | 1,405,044,000 |
| Regulatory capital | ||
| Cet1 ratio % | 13.5% | 13.2% |
| Tier1 capital ratio % | 14.9% | 14.8% |
| Total capital ratio % | 16.7% | 16.6% |
| Leverage ratio % | 4.3% | 4.5% |
| Total risk weighted assets | 554,704,550,721 | 522,117,740,834 |
| Cet1 capital | 74,833,603,679 | |
| Key metrics | ||
| Return on common equity % | 17.9% | 17.3% |
| Net interest margin % | 1.49% | 1.61% |
| Efficiency ratio % | 52.8% | 54.4% |
| Conversion | ||
| Currency | CAD | CAD |
| Average | ||
| Cad per USD | 1.40056 | 1.373626 |
| Closing | ||
| Cad per USD | 1.402525 | 1.385042 |
- Accounting basis, Q3 FY2026. IFRS, IAS 34 interim condensed statements (unaudited)
- Accounting basis, Q3 FY2025. IFRS, IAS 34 interim condensed statements (unaudited); comparative column of the Q3 2026 report
- Conversion: average source, Q3 FY2026. Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period average US$ equivalent of C$1.00 0.714 (three months ended July 31, 2026); inverted to C$ per US$
- Conversion: average source, Q3 FY2025. Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period average US$ equivalent of C$1.00 0.728 (three months ended July 31, 2025); inverted to C$ per US$
- Conversion: closing source, Q3 FY2026. Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period-end US$ equivalent of C$1.00 0.713 (July 31, 2026); inverted to C$ per US$
- Conversion: closing source, Q3 FY2025. Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period-end US$ equivalent of C$1.00 0.722 (July 31, 2025); inverted to C$ per US$
RY year-to-date income statement and cash flow
| Nine months FY2026 (nine months ended July 31, 2026) | Nine months FY2025 (nine months ended July 31, 2025) | |
|---|---|---|
| Period start | 2025-11-01 | 2024-11-01 |
| Period end | 2026-07-31 | 2025-07-31 |
| Period type | nine months | nine months |
| Source accession | 6-K | 6-K |
| Income statement | ||
| Total interest income | 56,185,047,494 | 55,049,838,440 |
| Total interest expense | 37,506,344,324 | 37,757,792,071 |
| Net interest income | 18,678,703,169 | 17,292,046,369 |
| Trading revenue | 1,988,972,805 | 1,789,909,624 |
| Investment management and custodial fees | 6,474,464,366 | 5,575,628,829 |
| Mutual fund revenue | 3,138,542,692 | 2,641,199,445 |
| Underwriting and other advisory fees | 1,910,888,813 | 1,518,689,681 |
| Total noninterest income | 20,327,866,008 | 17,779,106,266 |
| Total revenue | 39,006,569,177 | 35,071,152,635 |
| Provision for credit losses | 2,170,445,787 | 2,382,049,500 |
| Human resources expense | 13,441,291,683 | 12,307,137,416 |
| Total noninterest expense | 20,742,144,967 | 19,324,775,942 |
| Income before income taxes | 16,093,978,423 | 13,364,327,193 |
| Income taxes | 3,573,065,650 | 2,760,479,420 |
| Net income | 12,520,912,773 | 10,603,847,773 |
| Net income attributable to shareholders | 12,517,297,773 | 10,600,297,774 |
| Net income attributable to noncontrolling interests | 3,615,000 | 3,549,999 |
| Preferred dividends and other equity distributions | -302,936,970 | -252,049,947 |
| Net income available to common shareholders | 12,214,360,803 | 10,348,247,827 |
| Basic EPS | 8.7700 | 7.3343 |
| Diluted EPS | 8.7483 | 7.3201 |
| Weighted average basic shares | 1,393,110,000 | 1,410,854,000 |
| Weighted average diluted shares | 1,396,542,000 | 1,413,235,000 |
| Dividends per common share | 3.6439 | 3.1950 |
| Cash flow | ||
| Net cash from operating activities | 68,160,818,320 | 49,703,539,562 |
| Net cash from investing activities | -39,009,461,177 | -61,054,307,179 |
| Net cash from financing activities | -9,338,990,085 | -4,295,499,098 |
| Net acquisitions of premises and equipment and other intangibles | -1,300,676,873 | -1,202,739,747 |
| Common shares purchased for cancellation | -3,062,627,700 | -1,264,509,734 |
| Dividends paid on shares and other equity instruments | -5,165,111,494 | -4,622,099,029 |
| Net change in cash and due from banks | 19,604,866,079 | -15,475,156,750 |
| Key metrics | ||
| Return on common equity % | 17.5% | 16.1% |
| Net interest margin % | 1.54% | 1.62% |
| Efficiency ratio % | 53.2% | 55.1% |
| Conversion | ||
| Currency | CAD | CAD |
| Average | ||
| Cad per USD | 1.383126 | 1.408451 |
- Accounting basis. IFRS, IAS 34 interim condensed statements (unaudited)
- Conversion: average source, Nine months FY2026 (nine months ended July 31, 2026). Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period average US$ equivalent of C$1.00 0.723 (nine months ended July 31, 2026); inverted to C$ per US$
- Conversion: average source, Nine months FY2025 (nine months ended July 31, 2025). Q3 2026 Report to Shareholders (accession 0001193125-26-369461), Selected financial and other highlights: Period average US$ equivalent of C$1.00 0.710 (nine months ended July 31, 2025); inverted to C$ per US$
RY trailing twelve month income statement and cash flow
| Twelve months ended July 31, 2026 (derived) | |
|---|---|
| Period start | 2025-08-01 |
| Period end | 2026-07-31 |
| Period type | trailing twelve months |
| Source accession | 6-K |
| Source accessions | 40-F, 6-K |
| Income statement | |
| Net interest income | 24,891,712,388 |
| Total noninterest income | 26,479,930,696 |
| Total revenue | 51,371,643,084 |
| Provision for credit losses | 2,894,166,907 |
| Total noninterest expense | 27,478,342,478 |
| Income before income taxes | 20,999,133,699 |
| Income taxes | 4,574,068,727 |
| Net income | 16,425,064,973 |
| Net income available to common shareholders | 16,017,181,634 |
| Cash flow | |
| Net cash from operating activities | 57,385,215,131 |
| Conversion | |
| Currency | CAD |
| Average | |
| Cad per USD | 1.3852 |
- Derivation. FY2025 (Form 40-F) plus the nine months ended July 31, 2026, less the nine months ended July 31, 2025 (Q3 2026 report), computed in Canadian dollars before conversion
- Conversion: average source. FRED DEXCAUS, average of 250 daily rates 2025-08-01 to 2026-07-31
Adjustments
| Splits applied | none |
|---|---|
| ADR ratio | n/a |
| Per share basis | RBC's common shares are listed directly on the New York Stock Exchange (ticker RY), not as American Depositary Receipts, so per-share figures are per common share. Earnings, dividends per share and every other money figure are converted from Canadian dollars to US dollars; share counts are as filed. |
| FX | RBC reports in Canadian dollars under IFRS. Every money figure is converted to US dollars: income statement, cash flow and per-share figures at the period's average rate, balance sheet and capital figures at the rate on the balance sheet date. The rates are the ones RBC itself prints as the US$ equivalent of C$1.00, inverted to Canadian dollars per US dollar: three months ended July 31, 2026 average 0.714 and July 31, 2026 period-end 0.713; three months ended July 31, 2025 average 0.728 and July 31, 2025 period-end 0.722; nine months ended July 31, 2026 average 0.723 and nine months ended July 31, 2025 average 0.710 (all from the Q3 2026 report's Selected financial and other highlights); fiscal 2025 average 0.712 and October 31, 2025 period-end 0.713; fiscal 2024 average 0.736 and October 31, 2024 period-end 0.718 (2025 Annual Report, Table 1). RBC computes its averages from month-end spot rates. No filing states a rate for the trailing twelve months, so that view uses the average of the Federal Reserve's H.10 daily Canadian dollar rate for August 1, 2025 to July 31, 2026. The rate applied to each period is recorded with that period under 'conversion'. |
Notes
- Template: bank. RBC is a diversified Canadian bank (personal and commercial banking, wealth management, insurance and capital markets), so the record follows its own statement layout: net interest income plus non-interest income equals total revenue, then provision for credit losses, non-interest expense and taxes. Total revenue is the line RBC prints; non-interest income includes its insurance service and insurance investment results. Revenue less cost of revenue, capital expenditure and free cash flow are not meaningful for a bank and are not shown.
- Sources. FY2025 and FY2024 come from the 2025 Annual Report consolidated financial statements (Exhibit 2 to Form 40-F, accession 0001193125-25-305927). Q3 FY2026 (three months ended July 31, 2026), Q3 FY2025 (three months ended July 31, 2025), both nine-month periods and the July 31, 2026 balance sheet come from the Q3 2026 Report to Shareholders (Exhibit 99.2 to Form 6-K, accession 0001193125-26-369461), whose interim statements are prepared under IAS 34 and are unaudited. The October 31, 2025 balance sheet printed in the Q3 report matches the annual report's line for line and is carried once, on FY2025.
- The interim cash flow statement prints three-month columns as well as nine-month ones, so the quarterly cash flow figures are as printed, not derived by subtraction.
- Q3 FY2025 balance sheet: the interim balance sheet compares July 31, 2026 with October 31, 2025 only. The July 31, 2025 figures shown (total assets, securities, net loans, derivative assets, deposits, common equity, risk-weighted assets, capital ratios and shares outstanding) come from the Q3 2026 report's Selected financial and other highlights table, which prints that date as its comparative column; the rest of that quarter's balance sheet is not printed in these filings.
- Earnings per share: the numerator is net income available to common shareholders, which is net income less dividends on preferred shares and distributions on other equity instruments and less the non-controlling interests' share (Note 11 of the Q3 2026 report; Note 22 of the 2025 annual statements). Weighted average share counts are printed in thousands and are stored as actual share counts.
- Common equity is RBC's own highlights-table figure: equity attributable to shareholders less preferred shares and other equity instruments (for example $145,036 million less $11,114 million equals $133,922 million at July 31, 2026, in Canadian dollars). Common shares outstanding are period-end counts, net of treasury shares.
- Regulatory capital figures (CET1, Tier 1 and total capital ratios, leverage ratio, risk-weighted assets, CET1 capital) are calculated by RBC under the Office of the Superintendent of Financial Institutions' Capital Adequacy Requirements and Leverage Requirements guidelines. The FY2025 and FY2024 values come from Note 28 (Capital management) to the annual statements; the quarterly values come from the Q3 2026 report's highlights table, and the July 31, 2026 CET1 capital from its Note 14 (Capital management).
- Return on common equity, net interest margin (on average earning assets, net) and the efficiency ratio (non-interest expense as a percentage of total revenue) are RBC's reported ratios, as printed; they are not part of the audited statements. Ratios are in percent.
- Sign convention: deductions and outflows are negative, as the statements print them in parentheses: the allowance for loan losses, the preferred dividend deduction in the EPS calculation, investing and financing outflows, share repurchases and dividends paid.
- Trailing twelve months: derived, not printed. Each figure is FY2025 plus the nine months ended July 31, 2026 less the nine months ended July 31, 2025, computed in Canadian dollars and then converted (for example total revenue C$66,605 million + C$53,951 million - C$49,396 million = C$71,160 million). Per-share figures are not derived for this view.
- No stock split or consolidation affects these periods, and no restatement of the comparative periods is indicated in the filings: the Q3 FY2025 and nine-month FY2025 columns are presented without any restated or revised label.
Uncertainties
- Currency conversion: the rates RBC prints are rounded to three decimal places (US$ per C$1.00) and are averages of month-end spot rates, so converted figures carry a rounding effect of up to about 0.07% and differ slightly from conversions at averages of daily rates. Ratios, share counts and percentages are unaffected.
- Because each period is converted at its own rate, US dollar figures do not add across periods: FY2025 plus nine months FY2026 less nine months FY2025 in US dollars does not equal the trailing-twelve-month figure, which was derived in Canadian dollars and converted at a separate twelve-month average rate.
- Q3 FY2025 carries only the selected balance sheet lines the Q3 2026 report prints for July 31, 2025; it has no full balance sheet, so balance sheet identities cannot be tested for that quarter.
- The Q3 2026 report's highlights and MD&A tables also print selected figures for the quarter ended April 30, 2026, but its financial statements do not present that quarter, so it is not carried here. It is reported in RBC's Q2 2026 Report to Shareholders (accession 0001193125-26-242928).
Company details
| Name | Royal Bank Of Canada |
|---|---|
| Ticker | RY |
| CIK | 0001000275 |
| Exchange | NYSE |
| State | |
| Incorporation | Ontario, Canada |
| SIC | 6029 |
| Office | Finance |
| Industry | Commercial Banks, NEC |
Fiscal period
| Fiscal year | 2026 |
|---|---|
| Fiscal period | Q3 |
| Tag | FY26Q3 |
| Period end | 2026-07-31 |
| Form | 6-K |
| Accession | 0001193125-26-369461 |
| Fiscal year end | 1031 |
| Source | derived |
Source filings
| Role | Current | Form | Fiscal year | Fiscal period | Tag | Period end | Filed | Accession | Source |
|---|---|---|---|---|---|---|---|---|---|
| annual | no | 40-F | 2025 | FY | FY25 | 2025-10-31 | 2025-12-03 | 0001193125-25-305927 | reported |
| quarterly | yes | 6-K | 2026 | Q3 | FY26Q3 | 2026-07-31 | 2026-08-27 | 0001193125-26-369461 | derived |
FAQ · Royal Bank of Canada financial statements
How much did Royal Bank of Canada earn in Q3 FY2026?
Royal Bank of Canada reported net income attributable to shareholders of $4.3 billion for Q3 FY2026, the quarter ended July 31, 2026, up 9.1% from $3.94 billion a year earlier. Diluted earnings per share were $3.02, compared with $2.73, in US dollars converted from the Canadian dollars RBC reports in.
What was Royal Bank of Canada's revenue in Q3 FY2026?
Royal Bank of Canada's total revenue for Q3 FY2026, the quarter ended July 31, 2026, was $13.24 billion, up 7.0% from $12.37 billion in the same quarter a year earlier. Non-interest income, led by investment management and custodial fees, grew faster than net interest income.
What is Royal Bank of Canada's return on equity?
Royal Bank of Canada's return on common equity was 17.9% in Q3 FY2026, the quarter ended July 31, 2026, up 0.6 points from 17.3% a year earlier.
What is Royal Bank of Canada's efficiency ratio?
Royal Bank of Canada's efficiency ratio, non-interest expense as a share of total revenue, was 52.8% in Q3 FY2026, compared with 54.4% a year earlier, as revenue grew faster than expenses.
Where can I get Royal Bank of Canada (RY) financial data in machine-readable form?
Ticker Scout publishes Royal Bank of Canada's financial statements as JSON at https://tickerscout.ai/ry/financials.json, free, with no API key and no signup. The 40-F and 6-K narrative and the 6-K events digest are published as Markdown at https://tickerscout.ai/ry/narrative.md and https://tickerscout.ai/ry/events.md. Royal Bank of Canada's SEC CIK is 0001000275. Every figure cites the SEC accession number it came from, so it can be checked against sec.gov.
When does Royal Bank of Canada (RY) next file with the SEC?
Royal Bank of Canada (RY) is expected to file its next Form 40-F with the SEC on or around December 2, 2026. That date is a projection rather than a company-announced date: it is derived from Royal Bank of Canada's own filing history with the SEC, by taking the date the company filed the same fiscal period a year earlier and adding 52 weeks. The most recent periodic report on file is the 6-K for Q3 FY2026, the period ended 2026-07-31, SEC accession 0001193125-26-369461.
How this page was built
This page was built from three of Royal Bank of Canada's own filings with the SEC, read one at a time. Nothing on it is taken from a pre-tagged dataset, a data vendor or another website. The figures are on the company's own fiscal calendar and in actual dollars, as the filings report them. Where the filings do not support a figure, the record says so instead of reporting a zero; this period names four such gaps.
A single company files thousands of pages with the SEC in a year, and no two companies file them the same way, so the reading and the assembly here are done by AI rather than by rules that break on the differences. Every pass is then audited back against the filings it came from before the page is published, and anything the filings do not support is left out and named rather than filled in. AI can still make mistakes. That is why the accession numbers are printed: the filing is the authority, and this page is a route to it.
Published by Ticker Scout, an independent publisher of company filings data. About Ticker Scout · Disclaimer
Built from Royal Bank of Canada's SEC filings by Ticker Scout; accession numbers are cited throughout so every figure can be checked against sec.gov. Free to cite with attribution: Ticker Scout (tickerscout.ai). Not investment advice, see the Disclaimer.