70/100B209.770
USD
6.15
(3.02%)
Post Trading·206.010USD-3.760(-1.79%)
Last updated: · Delayed 15 min
Fair value149.38Plus+40%116Price 209.77229
Q4 FY2026 · Earnings report
EPS estimate 2.98Revenue estimate 13.22B
Q4 FY2026 · Earnings report
EPS estimate 2.98Revenue estimate 13.22B
Royal Bank of Canada total debt 1993–2026
Royal Bank of Canada's total debt was 418.01B CAD on 31 July 2026, down 47.1% on a year before. At the end of fiscal year 2025 it was 834.96B CAD.
Last updated 5 Nov 2026 · Next report 3 Dec 2026
Total debt
Growth
| Fiscal year | Period ending | Total debt | Growth | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Latest quarter | 31 Jul 2026 | 418.01B | -47.06% | 64.17B | -353.84B | 2.88 |
| FY2025 | 31 Oct 2025 | 834.96B | +7.11% | 165.28B | -669.68B | 6.00 |
| FY2024 | 31 Oct 2024 | 779.52B | +0.64% | 167.13B | -612.40B | 6.13 |
| FY2023 | 31 Oct 2023 | 774.59B | +10.79% | 212.00B | -562.59B | 6.73 |
| FY2022 | 31 Oct 2022 | 699.12B | +23.25% | 240.60B | -458.53B | 6.47 |
| FY2021 | 31 Oct 2021 | 567.25B | +4.75% | 231.03B | -336.22B | 5.75 |
| FY2020 | 31 Oct 2020 | 541.51B | +8.69% | 202.29B | -339.22B | 6.25 |
| FY2019 | 31 Oct 2019 | 498.23B | +8.59% | 102.07B | -396.16B | 5.97 |
| FY2018 | 31 Oct 2018 | 458.81B | +23.52% | 100.56B | -358.25B | 5.75 |
| FY2017 | 31 Oct 2017 | 371.44B | +13.60% | 151.79B | -219.65B | 5.03 |
| FY2016 | 31 Oct 2016 | 326.98B | +0.97% | 127.58B | -199.40B | 4.60 |
| FY2015 | 31 Oct 2015 | 323.83B | +28.36% | 91.95B | -231.88B | 5.21 |
| FY2014 | 31 Oct 2014 | 252.28B | +271.78% | 73.59B | -178.70B | 4.79 |
| FY2013 | 31 Oct 2013 | 67.86B | -5.29% | 63.28B | -4.58B | 1.42 |
| FY2012 | 31 Oct 2012 | 71.65B | +38.68% | 63.70B | -7.95B | 1.62 |
| FY2011 | 31 Oct 2011 | 51.66B | +4.26% | 57.78B | 6.12B | 1.30 |
| FY2010 | 31 Oct 2010 | 49.55B | -40.28% | 60.29B | 10.74B | 1.27 |
| FY2009 | 31 Oct 2009 | 82.97B | +13.51% | 63.49B | -19.48B | 2.25 |
| FY2008 | 31 Oct 2008 | 73.09B | -20.33% | 102.96B | 29.86B | 2.38 |
| FY2007 | 31 Oct 2007 | 91.74B | -0.03% | 67.97B | -23.77B | 3.75 |
| FY2006 | 31 Oct 2006 | 91.77B | +40.45% | 14.90B | -76.87B | 4.15 |
| FY2005 | 31 Oct 2005 | 65.34B | +77.12% | 10.24B | -55.10B | 3.24 |
| FY2004 | 31 Oct 2004 | 36.89B | -30.18% | 9.98B | -26.91B | 2.06 |
| FY2003 | 31 Oct 2003 | 52.83B | +12.81% | 17.55B | -35.28B | 2.88 |
| FY2002 | 31 Oct 2002 | 46.83B | +7.37% | 21.32B | -25.51B | 2.49 |
| FY2001 | 31 Oct 2001 | 43.62B | +54.41% | 17.54B | -26.08B | 2.40 |
| FY2000 | 31 Oct 2000 | 28.25B | -13.69% | 19.61B | -8.64B | 2.09 |
| FY1999 | 31 Oct 1999 | 32.73B | -8.98% | 23.04B | -9.69B | 2.64 |
| FY1998 | 31 Oct 1998 | 35.96B | +44.79% | 16.39B | -19.57B | 3.03 |
| FY1997 | 31 Oct 1997 | 24.84B | +584.78% | 20.66B | -4.18B | 2.39 |
| FY1996 | 31 Oct 1996 | 3.63B | -75.41% | 23.69B | 20.07B | 0.35 |
| FY1995 | 31 Oct 1995 | 14.75B | +2.54% | 17.71B | 2.96B | 1.63 |
| FY1994 | 31 Oct 1994 | 14.39B | +26.90% | 16.45B | 2.06B | 1.68 |
| FY1993 | 31 Oct 1993 | 11.34B | — | 10.87B | -463.00M | 1.43 |
| Quarter | Period ending | Total debt | Growth on a year before | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Q3 FY2026 | 31 Jul 2026 | 418.01B | -47.06% | 64.17B | -353.84B | 2.88 |
| Q2 FY2026 | 30 Apr 2026 | 390.14B | -50.06% | 59.33B | -330.82B | 2.77 |
| Q1 FY2026 | 31 Jan 2026 | 362.99B | -52.69% | 46.30B | -316.69B | 2.59 |
| Q4 FY2025 | 31 Oct 2025 | 834.96B | +7.11% | 165.28B | -669.68B | 6.00 |
| Q3 FY2025 | 31 Jul 2025 | 789.67B | +5.14% | 440.33B | -349.34B | 5.83 |
| Q2 FY2025 | 30 Apr 2025 | 781.27B | +6.11% | 410.65B | -370.62B | 5.90 |
| Q1 FY2025 | 31 Jan 2025 | 767.26B | -1.25% | 403.81B | -363.45B | 5.76 |
| Q4 FY2024 | 31 Oct 2024 | 779.52B | +0.64% | 167.13B | -612.40B | 6.13 |
| Q3 FY2024 | 31 Jul 2024 | 751.05B | -2.66% | 354.59B | -396.46B | 6.04 |
| Q2 FY2024 | 30 Apr 2024 | 736.26B | -0.52% | 327.80B | -408.45B | 6.06 |
| Q1 FY2024 | 31 Jan 2024 | 776.94B | +8.05% | 374.04B | -402.90B | 6.68 |
| Q4 FY2023 | 31 Oct 2023 | 774.59B | +10.79% | 212.00B | -562.59B | 6.73 |
| Q3 FY2023 | 31 Jul 2023 | 771.60B | +18.76% | 391.22B | -380.39B | 6.87 |
| Q2 FY2023 | 30 Apr 2023 | 740.11B | +18.94% | 357.73B | -382.38B | 6.65 |
| Q1 FY2023 | 31 Jan 2023 | 719.06B | +21.87% | 357.45B | -361.61B | 6.68 |
| Q4 FY2022 | 31 Oct 2022 | 699.12B | +23.25% | 240.60B | -458.53B | 6.47 |
| Q3 FY2022 | 31 Jul 2022 | 649.73B | +17.86% | 350.34B | -299.39B | 6.25 |
| Q2 FY2022 | 30 Apr 2022 | 622.25B | +18.63% | 342.21B | -280.05B | 5.97 |
| Q1 FY2022 | 31 Jan 2022 | 590.04B | +5.84% | 347.37B | -242.68B | 5.79 |
| Q4 FY2021 | 31 Oct 2021 | 567.25B | +4.75% | 231.03B | -336.22B | 5.75 |
| Q3 FY2021 | 31 Jul 2021 | 551.28B | -1.33% | 330.90B | -220.38B | 5.73 |
| Q2 FY2021 | 30 Apr 2021 | 524.53B | -10.24% | 306.13B | -218.40B | 5.66 |
| Q1 FY2021 | 31 Jan 2021 | 557.50B | +2.43% | 344.85B | -212.65B | 6.18 |
| Q4 FY2020 | 31 Oct 2020 | 541.51B | +8.69% | 202.29B | -339.22B | 6.25 |
| Q3 FY2020 | 31 Jul 2020 | 558.71B | +15.46% | 350.81B | -207.90B | 6.48 |
| Q2 FY2020 | 30 Apr 2020 | 584.39B | +22.05% | 328.22B | -256.18B | 6.88 |
| Q1 FY2020 | 31 Jan 2020 | 544.25B | +13.01% | 142.92B | -401.33B | 6.48 |
| Q4 FY2019 | 31 Oct 2019 | 498.23B | +8.59% | 102.07B | -396.16B | 5.97 |
| Q3 FY2019 | 31 Jul 2019 | 483.91B | +158.36% | 202.22B | -281.69B | 5.88 |
| Q2 FY2019 | 30 Apr 2019 | 478.82B | +166.03% | 205.85B | -272.97B | 5.85 |
| Q1 FY2019 | 31 Jan 2019 | 481.58B | +150.46% | 227.55B | -254.03B | 5.98 |
| Q4 FY2018 | 31 Oct 2018 | 458.81B | +23.52% | 100.56B | -358.25B | 5.75 |
| Q3 FY2018 | 31 Jul 2018 | 187.30B | +42.78% | 171.92B | -15.38B | 2.41 |
| Q2 FY2018 | 30 Apr 2018 | 179.99B | +30.80% | 159.42B | -20.57B | 2.39 |
| Q1 FY2018 | 31 Jan 2018 | 192.28B | +44.61% | 164.66B | -27.62B | 2.64 |
| Q4 FY2017 | 31 Oct 2017 | 371.44B | +13.60% | 151.79B | -219.65B | 5.03 |
| Q3 FY2017 | 31 Jul 2017 | 131.18B | +2.45% | 145.83B | 14.65B | 1.82 |
| Q2 FY2017 | 30 Apr 2017 | 137.60B | +29.64% | 143.43B | 5.83B | 1.90 |
| Q1 FY2017 | 31 Jan 2017 | 132.96B | +21.80% | 130.38B | -2.58B | 1.86 |
| Q4 FY2016 | 31 Oct 2016 | 326.98B | +0.97% | 127.58B | -199.40B | 4.60 |
| Q3 FY2016 | 31 Jul 2016 | 128.05B | +41.32% | 118.06B | -9.99B | 1.85 |
| Q2 FY2016 | 30 Apr 2016 | 106.14B | +19.25% | 116.49B | 10.36B | 1.57 |
| Q1 FY2016 | 31 Jan 2016 | 109.16B | +22.39% | 113.96B | 4.79B | 1.57 |
| Q4 FY2015 | 31 Oct 2015 | 323.83B | +28.36% | 91.95B | -231.88B | 5.21 |
| Q3 FY2015 | 31 Jul 2015 | 90.61B | +25.44% | 93.85B | 3.24B | 1.51 |
| Q2 FY2015 | 30 Apr 2015 | 89.00B | +26.65% | 75.68B | -13.33B | 1.58 |
| Q1 FY2015 | 31 Jan 2015 | 89.19B | +21.29% | 73.49B | -15.70B | 1.60 |
| Q4 FY2014 | 31 Oct 2014 | 252.28B | +271.78% | 73.59B | -178.70B | 4.79 |
| Q3 FY2014 | 31 Jul 2014 | 72.23B | -0.97% | 68.04B | -4.20B | 1.40 |
| Q2 FY2014 | 30 Apr 2014 | 70.28B | -13.12% | 64.17B | -6.10B | 1.41 |
| Q1 FY2014 | 31 Jan 2014 | 73.54B | -0.32% | 62.75B | -10.79B | 1.48 |
| Q4 FY2013 | 31 Oct 2013 | 67.86B | -5.29% | 63.28B | -4.58B | 1.42 |
| Q3 FY2013 | 31 Jul 2013 | 72.94B | -31.90% | 58.28B | -14.67B | 1.54 |
| Q2 FY2013 | 30 Apr 2013 | 80.89B | -28.34% | 58.03B | -22.86B | 1.75 |
| Q1 FY2013 | 31 Jan 2013 | 73.77B | -25.98% | 60.71B | -13.06B | 1.63 |
| Q4 FY2012 | 31 Oct 2012 | 71.65B | +38.68% | 63.70B | -7.95B | 1.62 |
| Q3 FY2012 | 31 Jul 2012 | 107.12B | +6.49% | 21.97B | -85.14B | 2.48 |
| Q2 FY2012 | 30 Apr 2012 | 112.87B | -0.67% | 20.75B | -92.12B | 2.72 |
| Q1 FY2012 | 31 Jan 2012 | 99.66B | -15.69% | 23.14B | -76.52B | 2.43 |
| Q4 FY2011 | 31 Oct 2011 | 51.66B | +4.26% | 57.78B | 6.12B | 1.30 |
| Q3 FY2011 | 31 Jul 2011 | 100.58B | +2.44% | 24.06B | -76.53B | 2.50 |
| Q2 FY2011 | 30 Apr 2011 | 113.63B | +20.88% | 22.17B | -91.46B | 2.81 |
| Q1 FY2011 | 31 Jan 2011 | 118.21B | +21.49% | 19.55B | -98.66B | 2.95 |
| Q4 FY2010 | 31 Oct 2010 | 49.55B | -40.28% | 60.29B | 10.74B | 1.27 |
| Q3 FY2010 | 31 Jul 2010 | 98.19B | +166.02% | 20.48B | -77.71B | 2.55 |
| Q2 FY2010 | 30 Apr 2010 | 94.00B | +30.49% | 17.65B | -76.36B | 2.47 |
| Q1 FY2010 | 31 Jan 2010 | 97.30B | +32.83% | 16.80B | -80.50B | 2.59 |
| Q4 FY2009 | 31 Oct 2009 | 82.97B | +13.51% | 63.49B | -19.48B | 2.25 |
| Q3 FY2009 | 31 Jul 2009 | 36.91B | -52.34% | 16.61B | -20.30B | 1.04 |
| Q2 FY2009 | 30 Apr 2009 | 72.04B | -52.43% | 20.64B | -51.40B | 2.09 |
| Q1 FY2009 | 31 Jan 2009 | 73.25B | -20.46% | 25.56B | -47.69B | 2.14 |
| Q4 FY2008 | 31 Oct 2008 | 73.09B | -20.33% | 102.96B | 29.86B | 2.38 |
| Q3 FY2008 | 31 Jul 2008 | 77.44B | -20.34% | 20.90B | -56.54B | 2.70 |
| Q2 FY2008 | 30 Apr 2008 | 151.44B | +54.89% | 18.31B | -133.14B | 5.83 |
| Q1 FY2008 | 31 Jan 2008 | 92.10B | -3.73% | 17.85B | -74.25B | 3.68 |
| Q4 FY2007 | 31 Oct 2007 | 91.74B | -0.03% | 67.97B | -23.77B | 3.75 |
| Q3 FY2007 | 31 Jul 2007 | 97.20B | +12.55% | 15.25B | -81.95B | 3.96 |
| Q2 FY2007 | 30 Apr 2007 | 97.77B | +32.92% | 12.78B | -84.99B | 4.06 |
| Q1 FY2007 | 31 Jan 2007 | 95.67B | +28.91% | 11.51B | -84.16B | 4.08 |
| Q4 FY2006 | 31 Oct 2006 | 91.77B | +40.45% | 14.90B | -76.87B | 4.15 |
| Q3 FY2006 | 31 Jul 2006 | 86.36B | +176.54% | 15.24B | -71.12B | 4.01 |
| Q2 FY2006 | 30 Apr 2006 | 73.56B | +22.89% | 14.10B | -59.46B | 3.49 |
| Q1 FY2006 | 31 Jan 2006 | 74.21B | +29.10% | 15.60B | -58.62B | 3.61 |
| Q4 FY2005 | 31 Oct 2005 | 65.34B | +77.12% | 10.24B | -55.10B | 3.24 |
| Q3 FY2005 | 31 Jul 2005 | 31.23B | -45.44% | 11.76B | -19.47B | 1.54 |
| Q2 FY2005 | 30 Apr 2005 | 59.85B | +0.21% | 11.18B | -48.68B | 2.98 |
| Q1 FY2005 | 31 Jan 2005 | 57.48B | +9.22% | 11.12B | -46.36B | 3.03 |
| Q4 FY2004 | 31 Oct 2004 | 36.89B | -30.18% | 9.98B | -26.91B | 2.06 |
| Q3 FY2004 | 31 Jul 2004 | 57.24B | +17.45% | 17.35B | -39.88B | 3.01 |
| Q2 FY2004 | 30 Apr 2004 | 59.73B | +17.50% | 13.77B | -45.96B | 3.12 |
| Q1 FY2004 | 31 Jan 2004 | 52.63B | +6.44% | 19.38B | -33.25B | 2.85 |
| Q4 FY2003 | 31 Oct 2003 | 52.83B | +12.81% | 17.55B | -35.28B | 2.88 |
| Q3 FY2003 | 31 Jul 2003 | 48.73B | +12.39% | 21.28B | -27.45B | 2.63 |
| Q2 FY2003 | 30 Apr 2003 | 50.83B | +73.70% | 21.96B | -28.87B | 2.66 |
| Q1 FY2003 | 31 Jan 2003 | 49.45B | +19.23% | 20.39B | -29.06B | 2.57 |
| Q4 FY2002 | 31 Oct 2002 | 46.83B | +7.37% | 21.32B | -25.51B | 2.49 |
| Q3 FY2002 | 31 Jul 2002 | 43.36B | +22.56% | 19.52B | -23.84B | 2.30 |
| Q2 FY2002 | 30 Apr 2002 | 29.26B | -21.63% | 19.81B | -9.45B | 1.58 |
| Q1 FY2002 | 31 Jan 2002 | 41.47B | +17.69% | 15.63B | -25.84B | 2.27 |
| Q4 FY2001 | 31 Oct 2001 | 43.62B | +54.41% | 17.54B | -26.08B | 2.40 |
| Q3 FY2001 | 31 Jul 2001 | 35.38B | +41.78% | 17.77B | -17.61B | 1.92 |
| Q2 FY2001 | 30 Apr 2001 | 37.34B | +40.86% | 18.04B | -19.30B | 2.53 |
| Q1 FY2001 | 31 Jan 2001 | 35.24B | +28.29% | 17.33B | -17.91B | 2.44 |
| Q4 FY2000 | 31 Oct 2000 | 28.25B | -13.69% | 19.61B | -8.64B | 2.09 |
| Q3 FY2000 | 31 Jul 2000 | 24.95B | -13.69% | 20.56B | -4.40B | 1.94 |
| Q2 FY2000 | 30 Apr 2000 | 26.51B | -7.72% | 18.29B | -8.22B | 2.09 |
| Q1 FY2000 | 31 Jan 2000 | 27.47B | -7.19% | 22.12B | -5.35B | 2.17 |
| Q4 FY1999 | 31 Oct 1999 | 32.73B | -8.98% | 23.04B | -9.69B | 2.64 |
| Q3 FY1999 | 31 Jul 1999 | 28.91B | +5.48% | 24.66B | -4.25B | 2.24 |
| Q2 FY1999 | 30 Apr 1999 | 28.73B | +57.82% | 20.02B | -8.71B | 2.31 |
| Q1 FY1999 | 31 Jan 1999 | 29.60B | +86.29% | 20.92B | -8.68B | 2.42 |
| Q4 FY1998 | 31 Oct 1998 | 35.96B | +44.79% | 16.39B | -19.57B | 3.03 |
| Q3 FY1998 | 31 Jul 1998 | 27.41B | +57.10% | 13.94B | -13.47B | 2.36 |
| Q2 FY1998 | 30 Apr 1998 | 18.20B | +27.59% | 17.66B | -543.02M | 1.61 |
| Q1 FY1998 | 31 Jan 1998 | 15.89B | +17.62% | 21.75B | 5.87B | 1.48 |
| Q4 FY1997 | 31 Oct 1997 | 24.84B | +584.78% | 20.66B | -4.18B | 2.39 |
| Q3 FY1997 | 31 Jul 1997 | 17.45B | -17.35% | 25.05B | 7.60B | 1.73 |
| Q2 FY1997 | 30 Apr 1997 | 14.27B | -33.96% | 24.65B | 10.38B | 1.45 |
| Q1 FY1997 | 31 Jan 1997 | 13.51B | -27.34% | 19.04B | 5.53B | 1.41 |
| Q4 FY1996 | 31 Oct 1996 | 3.63B | -75.41% | 23.69B | 20.07B | 0.35 |
| Q3 FY1996 | 31 Jul 1996 | 21.11B | +472.41% | 19.25B | -1.86B | 2.20 |
| Q2 FY1996 | 30 Apr 1996 | 21.60B | +487.06% | 23.67B | 2.06B | 2.30 |
| Q1 FY1996 | 31 Jan 1996 | 18.59B | +397.57% | 20.60B | 2.01B | 2.02 |
| Q4 FY1995 | 31 Oct 1995 | 14.75B | +2.54% | 17.71B | 2.96B | 1.63 |
| Q3 FY1995 | 31 Jul 1995 | 3.69B | +4.98% | 16.02B | 12.33B | 0.42 |
| Q2 FY1995 | 30 Apr 1995 | 3.68B | +4.87% | 15.89B | 12.21B | 0.41 |
| Q1 FY1995 | 31 Jan 1995 | 3.74B | +7.91% | 17.11B | 13.38B | 0.42 |
| Q4 FY1994 | 31 Oct 1994 | 14.39B | — | 16.45B | 2.06B | 1.68 |
| Q3 FY1994 | 31 Jul 1994 | 3.51B | — | 15.55B | 12.03B | 0.42 |
| Q2 FY1994 | 30 Apr 1994 | 3.51B | — | 12.81B | 9.30B | 0.42 |
| Q1 FY1994 | 31 Jan 1994 | 3.46B | — | 12.71B | 9.25B | 0.43 |
Figures in CAD at the end of each period. Net cash is cash and short-term investments less total debt; book value per share is on the diluted share count. The latest column is the most recent quarter.
Total debt counts commercial paper, term debt and lease liabilities.
See also:Revenue,Net income,EPS,Shares outstanding,Operating income,Cash on hand,Free cash flow,Stock buybacks,Balance sheet
Common questions about Royal Bank of Canada's debt
Source: Financial Modeling Prep