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Royal Bank of Canada is offering Geared Buffer Digital Notes linked to Constellation Energy Corporation common stock. The notes have a minimum investment of $10,000 and a digital return of 20.52% per $10,000 principal if the stock’s final value is at or above the buffer level.
The buffer is set at 80% of the initial underlier value of $285.27, giving a buffer value of $228.22. If the final value falls below this buffer, investors receive shares of Constellation Energy instead of cash, equal to the physical delivery amount of 43.8174 shares per $10,000, and can lose some or all principal. The price to the public is 100% of principal, with 1.00% underwriting discounts and 99.00% of proceeds to Royal Bank of Canada. The initial estimated value is expected between $9,340.00 and $9,840.00 per $10,000, reflecting fees and hedging costs, and the notes are expected to be treated for U.S. tax purposes as prepaid financial contracts.
Royal Bank of Canada is issuing Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes. The total offering size is $3,055,000, sold at 100% of principal, with proceeds to the bank of 99.75% after underwriting discounts. The notes pay a contingent coupon of $25 per $1,000 (2.50% per quarter, 10.00% per year) only if on each observation date all three indexes are at or above 70% of their initial values.
The notes can be automatically called quarterly starting in July 2026 if each index is at or above its initial level, returning $1,000 plus the coupon and ending the investment. If not called, and at maturity in July 2029 the worst-performing index is at or above 60% of its initial value, investors receive full principal back (plus any due coupon). If the worst index finishes below 60%, repayment is reduced one-for-one with its loss, and investors can lose most or all of their principal. The initial estimated value is $992.45 per $1,000, below the public price, and all payments depend on RBC’s credit.
Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index, maturing on January 31, 2028. The Notes are priced at 100% of principal with 0.40% underwriting discounts and commissions, and an initial estimated value expected between $939 and $989 per $1,000 principal amount.
At maturity, if the S&P 500 rises, investors earn 100% of the index gain up to a maximum upside return of 16.50%, for a maximum payment of $1,165 per $1,000. If the index falls but stays above the 20% buffer (80% of the initial level), investors receive the absolute value of the negative return, capped at 20%. If the index closes below the buffer, principal is reduced based on the loss beyond 20%, and investors can lose a substantial portion of principal. The Notes are unsecured senior debt of Royal Bank of Canada, subject to its credit risk, and are expected to be treated for U.S. tax purposes as prepaid financial contracts, with noted uncertainty.
Royal Bank of Canada is offering Trigger Autocallable Contingent Yield Notes linked to the Nasdaq-100 Index®, maturing on or about January 31, 2029. Each Note has a $10 principal amount and pays a 6.40% per annum contingent coupon (1.60% per quarter) only if the index closes on a Coupon Observation Date at or above the Coupon Barrier, set at 60% of the Initial Underlying Value (the same level as the Downside Threshold).
The Notes are automatically called on any quarterly Call Observation Date starting one year after the Trade Date if the index closes at or above its Initial Underlying Value; in that case investors receive $10 per Note plus the applicable coupon, and the Notes terminate. If the Notes are not called and at maturity the index is at or above the Downside Threshold, investors receive $10 per Note plus the final coupon.
If the Notes are not called and the Final Underlying Value is below the Downside Threshold, repayment is reduced according to the negative index return, leading to a loss of principal up to 100%. The Notes are senior unsecured obligations of RBC, not listed on an exchange, and all payments depend on RBC’s credit. The price to public is $10.00 per Note, with a $0.125 selling commission, and RBC’s initial estimated value is expected between $9.32 and $9.82 per Note.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Nasdaq-100, Russell 2000 and S&P 500 indices, in an aggregate principal amount of $2,452,000. The notes pay a quarterly contingent coupon of $23.375 per $1,000 (9.35% per annum) only if, on each observation date, every index is at or above 70% of its initial level. The notes can be automatically called quarterly, starting about six months after issuance, if all indices are at or above their initial levels, in which case investors receive $1,000 per note plus the coupon and no further payments.
If the notes are not called, principal repayment at maturity depends on the worst-performing index. Full principal is returned if that index finishes at or above 60% of its initial level; below this barrier, repayment is reduced one-for-one with the index loss, and investors can lose all of their principal. The initial estimated value is $986.92 per $1,000, below the $1,000 public offering price, reflecting fees, hedging costs and the issuer’s funding rate.
Royal Bank of Canada is issuing $550,000 of Auto-Callable Fixed Coupon Barrier Notes linked to the least performing of AMD, Delta Air Lines and FedEx common stock. The notes pay a fixed coupon of $10.25 per $1,000 in principal (a rate of 12.30% per year) as long as they remain outstanding. On quarterly call observation dates, if each stock is at or above its initial level, the notes are automatically called and pay back $1,000 plus the coupon.
If the notes are not called, investors receive at maturity $1,000 per note plus the coupon if the worst-performing stock is at or above 50% of its initial value. If that stock is below this barrier, investors receive shares of that worst-performing stock instead of cash, which can mean a large loss of principal, up to 100%. The initial estimated value is $966.95 per $1,000, reflecting underwriting discounts, fees and hedging costs.
Royal Bank of Canada is offering $1,080,000 of Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the common stock of NVIDIA Corporation. The Notes are issued at 100% of principal with underwriting discounts of 2.50%, resulting in proceeds to Royal Bank of Canada of $1,053,000.
The Notes pay a contingent monthly coupon of $8.125 per $1,000 (9.75% per annum) only when NVIDIA’s closing price is at or above the coupon threshold of $93.84, which is also the 50% barrier level, on the relevant observation date. Starting about one year after the January 23, 2026 trade date, the Notes are automatically called if NVIDIA closes at or above the initial level of $187.67 on a quarterly call observation date, returning $1,000 plus any due coupons.
If not called and NVIDIA’s final value on the January 22, 2029 valuation date is at or above the barrier, investors receive $1,000 plus any due coupons. If it is below the barrier, investors receive 5.33 NVIDIA shares per $1,000 (plus cash for fractions), which can mean large principal losses. The initial estimated value is $958.76 per $1,000, below the public price, and all payments depend on Royal Bank of Canada’s credit. The tax treatment is complex and may change.
Royal Bank of Canada is issuing $550,000 of Auto-Callable Fixed Coupon Barrier Notes linked to the worst performer of Delta Air Lines, Home Depot and Tesla common stock, maturing on January 26, 2029. The notes pay a fixed coupon of $10.208 per $1,000 each month, equal to 12.25% per year, as long as they are outstanding.
The notes can be automatically called quarterly starting July 2026 if each stock is at or above its initial value; in that case investors receive $1,000 per note plus the coupon and no further payments. If not called, principal is fully repaid at maturity only if the worst-performing stock is at or above 50% of its initial value.
If the worst-performing stock finishes below this 50% barrier, investors receive shares of that stock (or cash for fractions) worth less than the $1,000 principal, up to a total loss, while all payments remain subject to RBC’s credit risk. The initial estimated value is $971.73 per $1,000, below the public offering price.
Royal Bank of Canada is issuing $2,030,000 of senior market-linked notes tied to the worst performer among Dell Class C, Netflix and Uber common stock, maturing on February 26, 2027. Each security has a $1,000 face amount and offers a 36.00% contingent fixed return ($360 per security) if the lowest-performing stock on the calculation day finishes at or above 70% of its starting value. If the lowest-performing stock ends below that 70% threshold, principal is fully at risk and repayment is reduced dollar-for-dollar with the stock’s loss, down to a total loss. The initial estimated value is $968.60 per security, below the $1,000 offering price, reflecting dealer discounts and hedging costs. The notes pay no periodic interest, are unsecured obligations subject to RBC’s credit risk, and are not listed, so any secondary market may be limited and at prices below the offering price.
Royal Bank of Canada is offering $992,000 of Auto-Callable Enhanced Return Barrier Notes linked to the ARK Innovation ETF. Investors pay 100% of principal, while proceeds to the bank are 97.65% after underwriting discounts. The notes can be automatically called in early 2027 if the ETF’s value is at or above its initial level, paying $1,170 per $1,000 note. If not called, maturity payments in 2029 range from enhanced upside at a 155% participation rate to full principal return if the ETF stays above 70% of its initial value, or significant losses if it falls below that barrier. The initial estimated value of $971.24 per $1,000 is below the public offering price, and all payments depend on Royal Bank of Canada’s credit.