RY · Verdict
More arguments for
A summary of rules, not a profit forecast — don’t buy just because of a green verdict.
🟡 Valuation- ▲ Forward P/E 15.9 is below the current one — earnings growth expected
🟡 Quality- ▲ ROE 16% — high return on equity
- ▼ Net margin fell: 32.4% → 30.6%
- ▼ Debt / equity 3.92 — heavy debt load
- ▲ Free cash flow positive every year
🟢 Growth- ▲ Revenue grows 13.6% per year (2 y)
- ▲ Analysts raised the earnings forecast by +2.1% in 90 days
🟢 Trend- ▲ Price above SMA200 — long-term uptrend
- ▲ SMA50 above SMA200 — trend up
- ▲ Over a year +39% vs S&P 500 +11% — stronger than the market
🔴 Risk · context, does not vote- ▼ Risk/reward 1:0.6 — the target is closer than the stop
🟢 Market · context, does not vote- ▲ S&P 500 above SMA200 — the market is in an uptrend
- ▲ Sector (XLF) above SMA200 — in an uptrend
The PWA verdict uses less data than the full version: without the history of multiples and peers, F-score, Altman, interest coverage, dividend streak and expected earnings move.