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RY Dividend DRIP Calculator 2026
2.25% YieldFinancial ServicesRoyal Bank of Canada · NYSE
Price: $210.79 · Annual div: $4.74/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
Calculator settings
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When RY pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your RY snowball 📈
$10,000 in RY → $10.78M in 10 years · $595.80/month
About Royal Bank of Canada (RY) — Dividend Analysis 2026
Royal Bank of Canada (RBC), established in 1864 and headquartered in Toronto, Canada, operates as a comprehensive global financial institution. Its Personal & Commercial Banking division caters to individual clients by providing essential services like checking and savings accounts, various lending options (including mortgages, personal loans, and auto financing), private banking, investment vehicles such as mutual funds and guaranteed investment certificates (GICs), along with credit cards and payment solutions. For small and medium-sized commercial enterprises, this segment delivers a suite of services including financing, leasing, deposit management, foreign exchange, cash management, auto dealer financing, and trade solutions. These offerings are readily accessible through its extensive network of branches, ATMs, and mobile platforms. The Wealth Management segment specializes in delivering bespoke, advice-driven strategies and solutions to affluent and ultra-affluent individuals, as well as institutional investors. Through its Insurance arm, RBC offers a broad spectrum of protection and advisory services. These encompass life, health, home, auto, travel, wealth, annuities, and reinsurance, alongside comprehensive business insurance options. Clients, whether individuals, businesses, or groups, can access these services via advice centers, dedicated RBC insurance stores, mobile advisors, diverse digital and social platforms, independent brokers, and travel alliances. The Investor & Treasury Services division supports financial institutions and other investors with critical asset servicing, custody, payment processing, and treasury functions. It further extends its expertise to include fund and investment administration, shareholder services, private capital solutions, performance measurement, compliance oversight, distribution support, transaction banking, robust cash and liquidity management, foreign exchange capabilities, and global securities financing. Finally, the Capital Markets segment provides extensive corporate and investment banking solutions. This includes the origination and distribution of equity and debt instruments, strategic advisory services, and comprehensive sales and trading capabilities. Its clientele spans corporations, institutional investors, asset managers, private equity firms, and governmental entities.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 RY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold RY.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.25% | -0.55% | $225 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.91% | -0.89% | $191 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.80% | -1.00% | $180 / yr |
| 🇬🇧 UK ISA | 0% | 2.25% | -0.55% | $225 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.05% | -0.75% | $205 / yr |
| 🇨🇦 TFSA | 0% | 2.25% | -0.55% | $225 / yr |
| 🇨🇦 CA Taxable | 25% | 1.69% | -1.11% | $169 / yr |
| 🇦🇺 Super (pension) | 15% | 1.91% | -0.89% | $191 / yr |
| 🇦🇺 AU Taxable | 30% | 1.57% | -1.22% | $158 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.66% | -1.14% | $166 / yr |
| 🇫🇷 FR Taxable | 30% | 1.57% | -1.22% | $158 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 RY Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $4.74/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 RY Dividend Payment Schedule
RY pays quarterly — 4 times per year. Next ex-div: TBD.
📊 RY vs Financial Services Benchmarks
How RY compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for RY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ RY Insider Activity
No recent SEC filings reported in the last 90 days.Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Geographic Revenue Breakdown
Where RY earns its moneyRevenue breakdown from latest annual report via FMP. Percentages may not sum to 100% due to rounding.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the RY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Royal Bank of Canada (RY) is currently trading at $210.79, trading near its 52-week high. The current dividend yield is 2.25% based on an annual payout of $4.74 per share.
RY (Royal Bank of Canada) — 2.25% Dividend Yield Analysis
Royal Bank of Canada (RY) is a financial services stock currently trading at $210.79 with a dividend yield of 2.25%. The company pays an annual dividend of $4.74 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, RY has grown its dividend at a compound annual rate of 40.6%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.