Interest income growth
This shows how much the bank is earning from lending and deposits, a major source of its profits.
Royal Bank of Canada reports its Q4 FY2026 results on 3 December 2026. Analysts expect earnings per share of 2.98 USD and revenue of 13.22B USD.
In Q3 FY2026, reported on 27 August 2026, Royal Bank of Canada earned 3.07 USD a share against the 2.89 USD analysts expected (+6.2%), on revenue of 13.22B USD against 12.98B USD (+1.8%).
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth | Next-day move |
|---|---|---|---|---|---|---|---|---|---|---|
| Q1 FY2027 | 3.13 | — | — | +6.36% | 13.60B | — | — | +3.22% | — | |
| Q4 FY2026 | 2.98 | — | — | +7.97% | 13.22B | — | — | +7.71% | — | |
| Q3 FY2026 | 2.89 | 3.07 | +6.23% | +10.04% | 12.98B | 13.22B | +1.85% | -22.08% | -0.2% | |
| Q2 FY2026 | 2.81 | 2.84 | +1.07% | +29.09% | 12.74B | 12.84B | +0.79% | -17.99% | +0.4% | |
| Q1 FY2026 | 2.81 | 2.94 | +4.63% | +15.29% | 12.85B | 13.18B | +2.54% | -21.17% | -1.5% | |
| Q4 FY2025 | 2.51 | 2.76 | +9.96% | +22.67% | 11.98B | 12.28B | +2.44% | -18.50% | +2.4% | |
| Q3 FY2025 | 2.36 | 2.79 | +18.22% | +17.23% | 12.11B | 16.96B | +40.11% | +15.47% | +0.5% | |
| Q2 FY2025 | 2.25 | 2.20 | -2.22% | +2.80% | 11.85B | 15.66B | +32.12% | +54.52% | +1.3% | |
| Q1 FY2025 | 2.28 | 2.55 | +11.84% | +20.28% | 10.84B | 16.72B | +54.31% | +64.68% | +2.5% | |
| Q4 FY2024 | 2.15 | 2.25 | +4.65% | +12.50% | 10.84B | 15.06B | +38.95% | +13.69% | +2.2% | |
| Q3 FY2024 | 2.15 | 2.38 | +10.70% | +10.70% | 7.82B | 14.69B | +87.82% | +13.67% | +0.3% | |
| Q2 FY2024 | 2.11 | 2.14 | +1.42% | +9.74% | 10.28B | 10.13B | -1.40% | -18.51% | +0.8% | |
| Q1 FY2024 | 2.08 | 2.12 | +1.92% | -6.19% | 10.00B | 10.15B | +1.49% | -23.82% | +0.7% | |
| Q4 FY2023 | 1.89 | 2.00 | +5.82% | -4.31% | 9.50B | 13.25B | +39.48% | +5.63% | +0.8% | |
| Q3 FY2023 | 2.05 | 2.15 | +4.88% | -15.69% | 9.84B | 12.92B | +31.28% | +6.90% | -1.4% | |
| Q2 FY2023 | 2.07 | 1.95 | -5.80% | -35.00% | 7.09B | 12.43B | +75.44% | +16.65% | +1.5% | |
| Q1 FY2023 | 2.17 | 2.26 | +4.15% | -21.25% | 10.03B | 13.33B | +32.90% | +11.74% | +1.9% | |
| Q4 FY2022 | 2.02 | 2.09 | +3.47% | -22.88% | 8.89B | 12.54B | +41.05% | +8.55% | +0.8% | |
| Q3 FY2022 | 2.68 | 2.55 | -4.85% | -15.00% | 9.20B | 12.09B | +31.44% | +3.14% | +2.4% | |
| Q2 FY2022 | 2.70 | 3.00 | +11.11% | +7.53% | 9.14B | 10.66B | +16.55% | -3.59% | +2.3% | |
| Q1 FY2022 | 2.74 | 2.87 | +4.74% | +6.69% | 9.28B | 11.93B | +28.60% | +1.02% | +2.8% | |
| Q4 FY2021 | 2.81 | 2.71 | -3.56% | +57.56% | 9.61B | 11.56B | +20.28% | +13.51% | +2.1% | |
| Q3 FY2021 | 2.69 | 3.00 | +11.52% | +84.05% | 8.05B | 11.72B | +45.52% | -0.09% | -1.2% | |
| Q2 FY2021 | 2.46 | 2.79 | +13.41% | +262.34% | 8.05B | 11.06B | +37.27% | +7.15% | -0.5% | |
| Q1 FY2021 | 2.28 | 2.69 | +17.98% | +45.41% | 10.60B | 11.81B | +11.45% | -7.85% | -2.0% | |
| Q4 FY2020 | 1.54 | 1.72 | +11.69% | +2.38% | 9.88B | 10.18B | +2.99% | -9.00% | +0.0% | |
| Q3 FY2020 | 1.26 | 1.63 | +29.37% | -3.55% | 10.49B | 11.73B | +11.85% | +1.79% | +0.6% | |
| Q2 FY2020 | 1.13 | 0.77 | -31.86% | -53.89% | 13.87B | 10.32B | -25.59% | -10.16% | -1.0% | |
| Q1 FY2020 | 1.73 | 1.85 | +6.94% | +12.12% | 12.03B | 12.81B | +6.48% | +10.71% | +1.5% | |
| Q4 FY2019 | 1.74 | 1.68 | -3.45% | -1.75% | 11.69B | 11.19B | -4.32% | +4.92% | -0.1% | |
| Q3 FY2019 | 1.73 | 1.69 | -2.31% | +1.81% | 11.77B | 11.52B | -2.12% | +4.65% | -0.5% | |
| Q2 FY2019 | 1.63 | 1.67 | +2.45% | +1.21% | 11.38B | 11.49B | +0.91% | +14.39% | +1.4% | |
| Q1 FY2019 | 1.66 | 1.65 | -0.60% | -4.07% | 11.63B | 11.57B | -0.45% | +7.14% | +0.3% | |
| Q4 FY2018 | 1.61 | 1.71 | +6.21% | +11.04% | 10.06B | 10.66B | +6.00% | +1.95% | -0.4% | |
| Q3 FY2018 | 1.62 | 1.66 | +2.47% | +17.73% | 10.87B | 11.01B | +1.29% | +10.05% | -0.9% | |
| Q2 FY2018 | 1.62 | 1.65 | +1.85% | +16.20% | 9.85B | 10.04B | +1.98% | +8.08% | -1.1% | |
| Q1 FY2018 | 1.57 | 1.72 | +9.55% | +22.86% | 9.99B | 10.80B | +8.15% | +24.50% | -0.4% | |
| Q4 FY2017 | 1.49 | 1.54 | +3.36% | +18.46% | 10.53B | 10.46B | -0.68% | +17.03% | -0.8% | |
| Q3 FY2017 | 1.42 | 1.41 | -0.70% | +6.82% | 9.79B | 10.01B | +2.17% | +0.78% | +0.0% | |
| Q2 FY2017 | 1.33 | 1.42 | +6.77% | +17.36% | 9.82B | 9.29B | -5.36% | +1.85% | +0.2% | |
| Q1 FY2017 | 1.33 | 1.40 | +5.26% | +14.75% | 8.77B | 8.68B | -1.06% | -6.82% | +0.6% | |
| Q4 FY2016 | 1.26 | 1.30 | +3.17% | -1.52% | 9.38B | 8.94B | -4.76% | +19.41% | +1.0% | |
| Q3 FY2016 | 1.31 | 1.32 | +0.76% | -2.22% | 10.02B | 9.93B | -0.92% | +12.87% | -0.7% | |
| Q2 FY2016 | 1.20 | 1.21 | +0.83% | -25.77% | 9.14B | 9.12B | -0.17% | +3.76% | +0.2% | |
| Q1 FY2016 | 1.25 | 1.22 | -2.40% | -26.95% | 9.37B | 9.31B | -0.60% | +0.67% | +1.0% | |
| Q4 FY2015 | 1.23 | 1.32 | +7.32% | -16.98% | 7.35B | 7.48B | +1.85% | -10.37% | -0.6% | |
| Q3 FY2015 | 1.29 | 1.35 | +4.65% | -17.68% | 8.69B | 8.80B | +1.17% | -1.68% | +3.4% | |
| Q2 FY2015 | 1.61 | 1.63 | +1.24% | +10.88% | 8.68B | 8.79B | +1.25% | +6.73% | -1.1% | |
| Q1 FY2015 | 1.58 | 1.67 | +5.70% | +15.97% | 9.06B | 9.25B | +2.15% | +9.93% | -0.4% | |
| Q4 FY2014 | 1.59 | 1.59 | 0.00% | +21.37% | 8.35B | 8.35B | 0.00% | +5.85% | -1.2% | |
| Q3 FY2014 | 1.56 | 1.64 | +5.13% | +12.33% | 8.55B | 8.95B | +4.61% | +25.42% | -0.1% | |
| Q2 FY2014 | 1.44 | 1.47 | +2.08% | +13.95% | 8.06B | 8.24B | +2.13% | +7.21% | +0.0% | |
| Q1 FY2014 | 1.46 | 1.44 | -1.37% | -1.37% | 8.36B | 8.41B | +0.68% | +7.58% | +0.4% | |
| Q4 FY2013 | 1.40 | 1.31 | -6.43% | +3.15% | 8.29B | 7.89B | -4.83% | +4.88% | +1.2% | |
| Q3 FY2013 | 1.38 | 1.46 | +5.80% | +11.45% | 6.80B | 7.13B | +4.89% | -7.93% | -0.3% | |
| Q2 FY2013 | 1.29 | 1.29 | 0.00% | +11.21% | 7.89B | 7.68B | -2.58% | +11.04% | -2.6% | |
| Q1 FY2013 | 1.33 | 1.46 | +9.77% | +20.66% | 7.00B | 7.82B | +11.75% | +3.40% | -0.0% | |
| Q4 FY2012 | 1.25 | 1.27 | +1.60% | +18.69% | 7.13B | 7.52B | +5.41% | +16.07% | -0.1% | |
| Q3 FY2012 | 1.20 | 1.31 | +9.17% | +21.30% | 6.89B | 7.75B | +12.38% | +12.37% | +1.0% | |
| Q2 FY2012 | 1.18 | 1.16 | -1.69% | +17.17% | 7.09B | 6.92B | -2.48% | +1.30% | -2.4% | |
| Q1 FY2012 | 1.14 | 1.21 | +6.14% | -3.20% | 6.90B | 7.56B | +9.56% | +4.79% | -0.9% | |
| Q4 FY2011 | 0.98 | 1.07 | +9.18% | +35.44% | 5.75B | 6.48B | +12.64% | -28.41% | +1.4% | |
| Q3 FY2011 | 1.11 | 1.08 | -2.70% | +33.33% | 7.04B | 6.89B | -2.09% | -16.17% | +0.8% | |
| Q2 FY2011 | 1.17 | 0.99 | -15.38% | +10.00% | 7.71B | 6.83B | -11.37% | -21.39% | -0.2% | |
| Q1 FY2011 | 1.02 | 1.25 | +22.55% | +27.55% | 5.56B | 7.22B | +29.82% | -1.58% | -0.6% | |
| Q4 FY2010 | 0.97 | 0.79 | -18.56% | -23.30% | 8.50B | 9.05B | +6.50% | +19.38% | -2.0% | |
| Q3 FY2010 | 0.93 | 0.81 | -12.90% | -21.36% | 7.96B | 8.22B | +3.26% | +5.13% | +3.3% | |
| Q2 FY2010 | 1.05 | 0.90 | -14.29% | +15.38% | 7.80B | 8.69B | +11.41% | +28.49% | -2.8% | |
| Q1 FY2010 | 0.97 | 0.98 | +1.03% | +2.08% | 7.40B | 7.33B | -0.95% | +3.84% | +0.6% | |
| Q4 FY2009 | 0.98 | 1.03 | +5.10% | +11.96% | 7.80B | 7.58B | -2.75% | +49.55% | -0.7% | |
| Q3 FY2009 | 0.82 | 1.03 | +25.61% | -8.85% | 5.36B | 7.82B | +46.03% | +32.32% | -1.5% | |
| Q2 FY2009 | 0.90 | 0.78 | -13.33% | -25.00% | 6.32B | 6.76B | +7.06% | +36.45% | +1.7% | |
| Q1 FY2009 | 0.83 | 0.96 | +15.66% | -15.04% | 5.17B | 7.06B | +36.65% | +25.08% | -4.1% | |
| Q4 FY2008 | 0.78 | 0.92 | +17.95% | -6.12% | 4.97B | 5.07B | +2.06% | -9.73% | +4.5% | |
| Q3 FY2008 | 1.03 | 1.13 | +9.71% | +14.14% | 5.47B | 5.91B | +8.16% | +7.87% | +0.1% | |
| Q2 FY2008 | 0.99 | 1.04 | +5.05% | +22.35% | 4.19B | 4.95B | +18.18% | -12.61% | +0.3% | |
| Q1 FY2008 | 1.03 | 1.13 | +9.71% | +15.31% | 5.27B | 5.65B | +7.14% | -0.90% | -2.7% | |
| Q4 FY2007 | 1.07 | 0.98 | -8.41% | +13.95% | 5.78B | 5.62B | -2.82% | +4.97% | -0.1% | |
| Q3 FY2007 | 1.02 | 0.99 | -2.94% | +22.22% | 5.21B | 5.48B | +5.10% | +5.27% | -1.3% | |
| Q2 FY2007 | 0.97 | 0.85 | -12.37% | +13.33% | 5.78B | 5.67B | -1.96% | +10.71% | -0.3% | |
| Q1 FY2007 | 0.84 | 0.98 | +16.67% | +28.95% | 4.83B | 5.70B | +17.86% | +14.87% | +0.3% | |
| Q4 FY2006 | 0.80 | 0.86 | +7.50% | +30.30% | 4.99B | 5.35B | +7.15% | +11.06% | +0.4% | |
| Q3 FY2006 | 0.75 | 0.81 | +8.00% | +32.79% | 4.77B | 5.21B | +9.09% | +5.43% | +0.0% | |
| Q2 FY2006 | 0.77 | 0.75 | -2.60% | +33.93% | 4.87B | 5.12B | +5.11% | +9.28% | -1.2% | |
| Q1 FY2006 | 1.43 | 0.76 | -46.85% | +20.63% | 4.49B | 4.96B | +10.58% | +3.92% | +0.2% | |
| Q4 FY2005 | 0.64 | 0.66 | +3.13% | +43.48% | 3.85B | 4.82B | +25.00% | +3.77% | -1.0% | |
| Q3 FY2005 | 0.61 | 0.61 | 0.00% | +7.02% | 4.51B | 4.94B | +9.37% | +3.67% | +3.1% | |
| Q2 FY2005 | 0.58 | 0.56 | -3.45% | -5.08% | 4.73B | 4.69B | -1.01% | +3.07% | -0.8% | |
| Q1 FY2005 | 0.50 | 0.63 | +26.00% | +5.00% | 3.74B | 4.77B | +27.71% | +9.32% | -0.5% | |
| Q4 FY2004 | 0.49 | 0.46 | -6.12% | -17.86% | 4.64B | 4.64B | +0.00% | -16.48% | +1.1% | |
| Q3 FY2004 | 0.60 | 0.57 | -5.00% | -3.39% | 4.80B | 4.76B | -0.78% | +18.35% | -2.1% | |
| Q2 FY2004 | 0.60 | 0.59 | -1.67% | +13.46% | 4.62B | 4.55B | -1.52% | +15.21% | -1.7% | |
| Q1 FY2004 | 0.61 | 0.60 | -1.64% | +5.26% | 4.44B | 4.37B | -1.61% | +11.47% | -1.6% | |
| Q4 FY2003 | 0.59 | 0.56 | -5.08% | +14.29% | 5.83B | 5.56B | -4.60% | +44.43% | -1.3% | |
| Q3 FY2003 | 0.55 | 0.59 | +7.27% | +18.00% | 3.73B | 4.02B | +7.84% | +4.21% | -0.7% | |
| Q2 FY2003 | 0.55 | 0.52 | -5.45% | +1.96% | 4.02B | 3.95B | -1.86% | +0.43% | -1.1% | |
| Q1 FY2003 | 0.54 | 0.57 | +5.56% | +9.62% | 3.81B | 3.92B | +2.72% | +3.26% | -2.1% | |
| Q4 FY2002 | 0.51 | 0.49 | -3.92% | +63.33% | 4.00B | 3.85B | -3.77% | -4.79% | -0.3% | |
| Q3 FY2002 | 0.49 | 0.50 | +2.04% | +21.95% | 3.78B | 3.86B | +2.08% | -6.24% | -0.6% | |
| Q2 FY2002 | 0.49 | 0.51 | +4.08% | +6.25% | 3.77B | 3.93B | +4.26% | +12.34% | +3.5% | |
| Q1 FY2002 | 0.45 | 0.52 | +15.56% | +13.04% | 3.45B | 3.79B | +10.08% | +9.78% | +4.3% | |
| Q4 FY2001 | 0.42 | 0.30 | -28.57% | -34.78% | 5.18B | 4.04B | -21.92% | +30.62% | -2.0% | |
| Q3 FY2001 | 0.46 | 0.41 | -10.87% | -6.82% | 4.12B | 4.12B | -0.09% | +37.13% | -0.1% | |
| Q2 FY2001 | 0.47 | 0.48 | +2.13% | +11.63% | 3.42B | 3.50B | +2.17% | +14.55% | +2.4% | |
| Q1 FY2001 | 0.45 | 0.46 | +2.22% | +15.00% | 3.38B | 3.46B | +2.27% | +22.92% | +3.7% | |
| Q4 FY2000 | 0.45 | 0.46 | +2.22% | +31.43% | 3.03B | 3.09B | +2.27% | +8.34% | -2.1% | |
| Q3 FY2000 | 0.41 | 0.44 | +7.32% | +33.33% | 2.78B | 3.00B | +7.89% | +14.12% | -0.2% | |
| Q2 FY2000 | 0.39 | 0.43 | +10.26% | +34.38% | 2.74B | 3.05B | +11.43% | +19.81% | +0.6% | |
| Q1 FY2000 | 0.36 | 0.40 | +11.11% | +21.21% | 2.50B | 2.81B | +12.50% | +9.33% | +0.3% | |
| Q4 FY1999 | 0.35 | 0.35 | 0.00% | +12.90% | 2.86B | 2.86B | +0.00% | +17.23% | -2.4% | |
| Q3 FY1999 | 0.34 | 0.33 | -2.94% | -2.94% | 2.71B | 2.63B | -2.86% | +7.47% | -0.5% | |
| Q2 FY1999 | 0.32 | 0.32 | 0.00% | -5.88% | 2.55B | 2.55B | -0.00% | -5.77% | 0.0% | |
| Q1 FY1999 | 0.33 | 0.33 | 0.00% | -2.94% | 2.57B | 2.57B | -0.00% | +4.77% | -3.3% | |
| Q4 FY1998 | 0.30 | 0.31 | +3.33% | -8.82% | 2.35B | 2.44B | +3.45% | -2.01% | +7.1% | |
| Q3 FY1998 | 0.34 | 0.34 | 0.00% | +6.25% | 2.46B | 2.45B | -0.33% | +2.99% | -7.1% | |
| Q2 FY1998 | 0.34 | 0.34 | 0.00% | +13.33% | 2.70B | 2.70B | +0.11% | +23.68% | -0.1% | |
| Q1 FY1998 | 0.34 | 0.34 | 0.00% | +6.25% | 2.45B | 2.45B | -0.01% | +10.14% | +0.6% | |
| Q4 FY1997 | 0.33 | 0.34 | +3.03% | +25.93% | 2.41B | 2.49B | +3.12% | +15.83% | -0.4% | |
| Q3 FY1997 | 0.31 | 0.32 | +3.23% | +23.08% | 2.30B | 2.38B | +3.33% | +20.25% | +0.5% | |
| Q2 FY1997 | 0.30 | 0.30 | 0.00% | +25.00% | 2.19B | 2.19B | +0.00% | +15.31% | -0.8% | |
| Q1 FY1997 | 0.29 | 0.32 | +10.34% | +28.00% | 2.00B | 2.23B | +11.54% | +17.81% | +3.0% | |
| Q4 FY1996 | 0.26 | 0.27 | +3.85% | +17.39% | 2.06B | 2.15B | +4.00% | -27.68% | -2.8% | |
| Q3 FY1996 | 0.25 | 0.26 | +4.00% | +18.18% | 1.90B | 1.98B | +4.17% | -31.61% | +0.5% | |
| Q2 FY1996 | 0.24 | 0.24 | 0.00% | +14.29% | 1.90B | 1.90B | -0.00% | -31.90% | +0.5% | |
| Q1 FY1996 | 0.24 | 0.25 | +4.17% | +13.64% | 1.81B | 1.89B | +4.35% | -25.98% | -1.0% | |
| Q4 FY1995 | 0.23 | 0.23 | 0.00% | +9.52% | — | 2.97B | — | +14.04% | +0.5% | |
| Q3 FY1995 | 0.21 | 0.22 | +4.76% | +10.00% | — | 2.89B | — | +19.65% | — | |
| Q2 FY1995 | 0.20 | 0.21 | +5.00% | +10.53% | — | 2.78B | — | +22.82% | — | |
| Q1 FY1995 | 0.22 | 0.22 | 0.00% | +4.76% | — | 2.56B | — | +0.29% | — | |
| Q4 FY1994 | 0.21 | 0.21 | 0.00% | — | — | 2.60B | — | — | — | |
| Q3 FY1994 | 0.19 | 0.20 | +5.26% | +42.86% | — | 2.42B | — | — | — | |
| Q2 FY1994 | 0.17 | 0.19 | +11.76% | +18.75% | — | 2.27B | — | — | — | |
| Q1 FY1994 | 0.20 | 0.21 | +5.00% | +16.67% | — | 2.55B | — | — | — | |
| Q4 FY1993 | -0.37 | -0.37 | 0.00% | — | — | — | — | — | — | |
| Q3 FY1993 | 0.16 | 0.14 | -12.50% | — | — | — | — | — | — | |
| Q2 FY1993 | 0.16 | 0.16 | 0.00% | — | — | — | — | — | — | |
| Q1 FY1993 | 0.16 | 0.18 | +12.50% | — | — | — | — | — | — | |
| Q1 FY1993 | 0.16 | 0.18 | +12.50% | — | — | — | — | — | — |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2027 | 12.78 | — | — | +8.81% | 54.74B | — | — | +5.44% |
| FY2026 | 11.74 | — | — | +14.00% | 51.92B | — | — | -15.74% |
| FY2025 | 10.04 | 10.30 | +2.62% | +15.86% | 47.07B | 61.61B | +30.90% | +23.14% |
| FY2024 | 9.03 | 8.89 | -1.57% | +6.34% | 57.65B | 50.04B | -13.20% | -3.65% |
| FY2023 | 7.99 | 8.36 | +4.61% | -20.46% | 37.66B | 51.93B | +37.89% | +9.98% |
| FY2022 | 8.11 | 10.51 | +29.57% | -6.08% | 34.54B | 47.22B | +36.69% | +2.34% |
The move is the shares' change on the trading day after the report: after a report after the close, the next day's close on the report day's; before the open, the report day's close on the day before's. Surprise is the reported figure against the analysts' average estimate.
From the last earnings call, the company's guidance and analysts' previews, and checked against the report when it comes.
This shows how much the bank is earning from lending and deposits, a major source of its profits.
On average, analysts' EPS estimate was 6.6% off the result, either way, and their revenue estimate 25.3%, over the last 12 quarters.
See also:Forecast,EPS,Income statement
Source: Financial Modeling Prep