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RY vs TD
Which Stock Would AI Choose? Royal Bank of Canada (RY) vs. Toronto-Dominion Bank (TD) Stock Comparison
Key Takeaways
- Both RY and TD are leading Canadian banks with diversified operations across retail, commercial, and wealth management segments.
- In recent market activity, both stocks have experienced modest pullbacks from near-term highs while delivering solid year-to-date gains amid stable sector conditions.
- RY maintains a larger market capitalization and broader international footprint compared to TD.
- TD has shown relatively stronger recent total return momentum over the past year in some comparative metrics.
- Upcoming earnings releases for both banks are expected to provide further clarity on net interest income (NII) trends and credit quality.
- Analyst sentiment remains constructive for the sector, with price targets reflecting measured optimism.
Introduction
Investors and traders frequently compare RY and TD as two of Canada’s largest banks, offering exposure to a stable domestic market alongside international operations. This comparison appeals to those seeking diversified financial sector holdings with reliable dividends, exposure to interest rate environments, and relative performance insights within the banking industry. Market participants evaluating large-cap Canadian equities may find the analysis useful for assessing positioning, momentum, and sector dynamics.
RY Overview and Recent Performance
Royal Bank of Canada operates as a diversified financial services provider with significant retail banking, wealth management, and capital markets activities across North America and internationally. In recent market activity, the stock has traded with some volatility following a period of strength, reflecting broader sector movements and investor positioning ahead of earnings. Performance has remained positive over longer horizons, supported by steady earnings growth and a robust dividend yield. Sentiment has been influenced by analyst upgrades and expectations around economic resilience in its key markets.
TD Overview and Recent Performance
The Toronto-Dominion Bank provides a wide range of banking, wealth, and insurance services with a strong North American presence. The stock has also seen recent price fluctuations after reaching elevated levels earlier in the period, amid similar sector influences and trading dynamics. Year-to-date results have been favorable, with the shares benefiting from capital markets activity and overall banking sector stability. Recent developments include analyst commentary on valuation and forward expectations.
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Head-to-Head Comparison
RY benefits from greater scale and a more extensive international network, which can provide diversified revenue streams but may also introduce additional geographic risk factors. TD offers a comparatively focused North American emphasis with notable wealth management contributions. In terms of recent momentum, both have navigated similar market environments, though TD has recorded comparatively stronger trailing twelve-month total returns in available data. Risk considerations include interest rate sensitivity and credit exposure for both, while sector sentiment remains aligned with broader economic indicators. Trade-offs center on size and diversification versus relative performance velocity.
Tickeron AI Verdict
Based on observable factors such as trend consistency, relative stability, and market positioning in recent periods, Tickeron’s AI models may currently indicate a modest probabilistic preference for RY over TD. This assessment reflects RY’s larger scale and consistent performance characteristics, though outcomes remain subject to evolving market conditions and individual model parameters.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is RY is a StrongBuy and TD is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
RY’s FA Score shows that 3 FA rating(s) are green whileTD’s FA Score has 3 green FA rating(s).
- RY’s FA Score: 3 green, 2 red.
- TD’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
RY’s TA Score shows that 4 TA indicator(s) are bullish while TD’s TA Score has 6 bullish TA indicator(s).
- RY’s TA Score: 4 bullish, 4 bearish.
- TD’s TA Score: 6 bullish, 2 bearish.
Price Growth
RY (@Major Banks) experienced а +0.31% price change this week, while TD (@Major Banks) price change was +1.71% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.79%. For the same industry, the average monthly price growth was +0.60%, and the average quarterly price growth was +29.82%.
Reported Earning Dates
RY is expected to report earnings on Dec 03, 2026.
TD is expected to report earnings on Dec 03, 2026.
Industries' Descriptions
@Major Banks (+0.79% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| RY | TD | RY / TD | |
| Capitalization | 282B | 199B | 142% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 19.350 | 26.858 | 72% |
| P/E Ratio | 17.83 | 18.02 | 99% |
| Revenue | 69.5B | 63.8B | 109% |
| Total Cash | N/A | N/A | - |
| Total Debt | 574B | 474B | 121% |
RY | TD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 69 | 83 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 90 Overvalued | 74 Overvalued | |
PROFIT vs RISK RATING 1..100 | 14 | 30 | |
SMR RATING 1..100 | 4 | 4 | |
PRICE GROWTH RATING 1..100 | 45 | 42 | |
P/E GROWTH RATING 1..100 | 26 | 8 | |
SEASONALITY SCORE 1..100 | 75 | 45 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TD's Valuation (74) in the Major Banks industry is in the same range as RY (90). This means that TD’s stock grew similarly to RY’s over the last 12 months.
RY's Profit vs Risk Rating (14) in the Major Banks industry is in the same range as TD (30). This means that RY’s stock grew similarly to TD’s over the last 12 months.
RY's SMR Rating (4) in the Major Banks industry is in the same range as TD (4). This means that RY’s stock grew similarly to TD’s over the last 12 months.
TD's Price Growth Rating (42) in the Major Banks industry is in the same range as RY (45). This means that TD’s stock grew similarly to RY’s over the last 12 months.
TD's P/E Growth Rating (8) in the Major Banks industry is in the same range as RY (26). This means that TD’s stock grew similarly to RY’s over the last 12 months.
| RY | TD | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 45% | 2 days ago 61% |
| Momentum ODDS (%) | 2 days ago 46% | 2 days ago 48% |
| MACD ODDS (%) | 2 days ago 47% | 2 days ago 54% |
| TrendWeek ODDS (%) | 2 days ago 48% | 2 days ago 56% |
| TrendMonth ODDS (%) | 2 days ago 45% | 2 days ago 46% |
| Advances ODDS (%) | 8 days ago 49% | 6 days ago 54% |
| Declines ODDS (%) | 2 days ago 53% | 2 days ago 48% |
| BollingerBands ODDS (%) | 2 days ago 56% | 2 days ago 50% |
| Aroon ODDS (%) | N/A | N/A |
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