Royal Bank of Canada (TSX:RY) Long-Term Debt: C$361,797 Mil (As of Apr. 2026)


TSX:RY Royal Bank of Canada TSX:RY
77 GF Score
Price C$290.38
GF Value C$205.18
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Royal Bank of Canada Long-Term Debt?

Royal Bank of Canada TSX:RY -0.02% 77 Long-Term Debt is C$361,797 Mil as of Apr. 2026. GuruFocus rates TSX:RY with a GF Score™ of 77/100 and a GF Value™ of C$205.18 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Royal Bank of Canada's Long-Term Debt for the quarter that ended in Apr. 2026 was C$361,797 Mil.

Royal Bank of Canada's quarterly Long-Term Debt declined from Oct. 2025 (C$353,809 Mil) to Jan. 2026 (C$347,208 Mil) but then increased from Jan. 2026 (C$347,208 Mil) to Apr. 2026 (C$361,797 Mil).

Royal Bank of Canada's annual Long-Term Debt increased from Oct. 2023 (C$316,919 Mil) to Oct. 2024 (C$324,362 Mil) and increased from Oct. 2024 (C$324,362 Mil) to Oct. 2025 (C$353,809 Mil).

Royal Bank of Canada  (TSX:RY) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Royal Bank of Canada Long-Term Debt Related Terms

Royal Bank of Canada Long-Term Debt Historical Data

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The historical data trend for Royal Bank of Canada's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Royal Bank of Canada Long-Term Debt Chart

Royal Bank of Canada Annual Data
Trend Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 201,103.00 277,768.00 316,919.00 324,362.00 353,809.00

Royal Bank of Canada Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 353,950.00 348,888.00 353,809.00 347,208.00 361,797.00
TSX:RY
77GF Score
Royal Bank of Canada TSX:RY
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of C$361,797 Mil mean?
Royal Bank of Canada (TSX:RY) has a Long-Term Debt of C$361,797 Mil as of Apr. 2026.
Is Royal Bank of Canada's Long-Term Debt too high?
Royal Bank of Canada's current Long-Term Debt is C$361,797 Mil. Overall, Royal Bank of Canada has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Royal Bank of Canada's Long-Term Debt compare to JPM and BAC?
Royal Bank of Canada's Long-Term Debt of C$361,797 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Royal Bank of Canada's current Long-Term Debt is C$361,797 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Bank of Canada stock overvalued right now?
Based on GuruFocus' analysis, Royal Bank of Canada (TSX:RY) is currently considered Significantly Overvalued. The stock's GF Value™ is C$205.18, compared to a current price of C$290.38 — trading 41.5% above its estimated fair value. The current Long-Term Debt is C$361,797 Mil. Royal Bank of Canada's overall GF Score™ is 77/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Royal Bank of Canada (TSX:RY), the current Long-Term Debt is C$361,797 Mil as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Royal Bank of Canada (TSX:RY) Overvalued in 2026?

Based on GuruFocus' analysis, Royal Bank of Canada stock appears to be overvalued. The current stock price of C$290.38 is trading 41.5% above its estimated GF Value™ of C$205.18. GuruFocus considers Royal Bank of Canada to be Significantly Overvalued.

Key valuation signals for TSX:RY:

  • Long-Term Debt: C$361,797 Mil
  • GF Value™: C$205.18 vs. price of C$290.38 (41.5% above fair value)
  • GF Score™: 77/100 with 8 warning signs

No single metric tells the full story. See the TSX:RY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Royal Bank of Canada Business Description

Address 1 Place Ville Marie, Corporate Secretary\'s Department, Montreal, QC, CAN, H3B 3A9
Royal Bank of Canada is one of the two largest banks in Canada, with around CAD 2.4 trillion in assets at the end of April 2026. It is a diversified financial services company, offering personal and commercial banking, wealth management, insurance, corporate banking, and capital markets services. The bank is concentrated in Canada and has dominant market shares. RBC also has wealth and capital market businesses in the US, UK, and other countries. RBC is a top 15 investment bank globally.
77GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$290.38
Price
C$205.18
GF Value