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Royal Bank of Canada is offering $4,625,000 of senior unsecured market-linked notes tied to the lowest performing of Goldman Sachs, Meta Platforms Class A and Exxon Mobil common stock, maturing December 21, 2028. Each $1,000 security pays a 22.00% per annum contingent coupon, due quarterly only if the lowest performing stock on the calculation day is at or above its coupon threshold, set at 70% of its starting value.
The notes are auto-callable from June 2026 to September 2028 if the lowest performer is at or above its starting value, in which case holders receive $1,000 plus the applicable coupon. If not called, principal repayment at maturity depends on the lowest performing stock: investors receive $1,000 only if its ending value is at or above the 70% downside threshold; otherwise repayment is $1,000 multiplied by its performance factor, exposing holders to losses greater than 30% and up to 100%. The initial estimated value is $971.33 per $1,000, and all payments are subject to Royal Bank of Canada’s credit risk and are not insured by any government agency.
Royal Bank of Canada is issuing $23,751,000 of Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the common stock of NVIDIA Corporation. The notes are priced at 100% of principal, with proceeds to the bank of $23,394,735 after underwriting discounts, and an initial estimated value of $983.66 per $1,000, which is below the public offering price.
The notes pay a contingent coupon of $31.50 per $1,000 each quarter (12.60% per annum) only if NVIDIA’s share price is at or above a coupon threshold of $94.02 on the observation date. They may be automatically called quarterly if the share price is at or above the initial value of $170.94, returning principal plus any due coupons, after which no further payments are made.
If the notes are not called and NVIDIA’s final share price is at or above the 55% barrier level, investors receive full principal back plus any applicable coupons. If the final price is below the barrier, repayment is in NVIDIA shares based on a physical delivery amount of 5.85 shares per $1,000, exposing investors to potentially large losses, including a total loss of principal, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering $2,564,000 of senior unsecured Market Linked Securities tied to the common stock of NVIDIA Corporation, maturing on February 22, 2027. Each security has a $1,000 face amount and provides 150% leveraged upside participation, capped at a maximum return of 31.20%, for a maximum maturity payment of $1,312 per security.
The notes include a 15% downside buffer: if NVIDIA’s ending value is at or above 85% of the $170.94 starting value, investors receive at least their $1,000 principal; below that threshold, losses increase 1-for-1 and can reach up to 85% of principal. The securities pay no interest and are subject to Royal Bank of Canada’s credit risk.
The initial estimated value is $973.14 per security, below the $1,000 original offering price, reflecting internal funding rates, agent discounts and hedging costs. The notes are not listed, and any secondary market is expected to be limited, with potential significant discounts to the purchase price.
Royal Bank of Canada is offering Airbag Autocallable Yield Notes linked to the common stock of CVS Health Corporation. Each $1,000 Note pays a fixed monthly coupon at an annual rate of 8.00%, regardless of CVS share performance. The Notes are automatically called on quarterly observation dates if CVS closes at or above the Initial Underlying Value of $77.79, returning principal plus the applicable coupon.
If the Notes are not called and CVS’s final value on December 21, 2026 is at or above the Conversion Price of $66.12 (85% of the initial value), investors receive $1,000 in cash per Note plus the last coupon. If the final value is below the Conversion Price, investors receive the coupon and approximately 15.1240 CVS shares per Note instead of principal, which may be worth substantially less and could be worth zero. UBS receives a selling commission of $15 per Note, and Royal Bank of Canada’s initial estimated value is between $930 and $980 per $1,000 Note, reflecting fees and hedging costs. All payments depend on Royal Bank of Canada’s credit and the Notes will not be listed on an exchange.
Royal Bank of Canada is offering unsecured structured notes linked to the S&P 500® Index that do not pay interest and expose investors to potential loss of principal. At maturity, each $1,000 note pays a cash amount based on index performance from the trade date to a determination date expected 26–29 months later. If the final index level is at or above 85% of the initial level, investors receive a fixed "threshold settlement amount," expected to be between $1,159.50 and $1,187.60 per $1,000, capping upside even if the index rises significantly.
If the final index level is below 85% of the initial level, repayment is reduced so that holders lose about 1.1765% of principal for every 1% the final level falls below the threshold, up to a total loss. The initial estimated value is expected between $965.50 and $995.50 per $1,000, less than the issue price, reflecting internal funding and hedging costs. The notes are senior unsecured obligations of Royal Bank of Canada, are not insured by any deposit insurance corporation, will not be listed on an exchange, and may have limited or no secondary market liquidity.
Royal Bank of Canada is offering $7,198,000 of Capped Return Buffer Notes linked to the SPDR® Gold Trust. These $1,000-denomination notes provide 100% participation in the Underlier’s gains up to a Maximum Return of 28.75%, so the most an investor can receive at maturity is $1,287.50 per $1,000 note.
The notes include a 25% downside buffer: if the SPDR® Gold Trust falls by up to 25% from the Initial Underlier Value of $399.29, investors receive back their full principal at maturity. If the decline exceeds 25%, principal is reduced in line with losses beyond the buffer, and investors could lose a substantial portion of their investment. The initial estimated value is $982.06 per $1,000 note, below the public offering price, and secondary market prices may be lower. All payments depend on Royal Bank of Canada’s credit and come with complex tax and liquidity considerations.
Royal Bank of Canada is offering fixed coupon barrier notes linked to the common stock of Micron Technology, Inc. Investors receive monthly fixed coupons between 11.50% and 12.50% per year on a $1,000 minimum investment.
At maturity, investors get back $1,000 per note if Micron’s closing value on the valuation date is at or above a barrier set at 50% of its initial value. If Micron’s value falls below this barrier, repayment is reduced in line with the stock’s percentage loss, and investors can lose a substantial portion or all of their principal.
The notes are unsecured debt of Royal Bank of Canada, so all payments depend on the bank’s credit. The initial estimated value is expected to be between $919.50 and $969.50 per $1,000 note, which is lower than the public offering price because of internal funding rates, selling commissions, referral fees and hedging costs.
Royal Bank of Canada is offering Capped Enhanced Return Barrier Notes linked to the S&P 500 Index. The Notes are issued at 100% of principal, with underwriting discounts of 2.00% and proceeds to Royal Bank of Canada of 98.00% per $1,000. The initial estimated value is expected to be between $922.50 and $972.50 per $1,000, which is less than the public offering price.
The Notes offer a 200% participation rate in positive S&P 500 returns, capped by a Maximum Return of at least 10.50%, so the maximum payment at maturity will be at least $1,105 per $1,000. If, at maturity, the index is at or above 85% of its initial level, investors receive at least their full principal. If the index closes below this 85% barrier, repayment is reduced one-for-one with the index loss, and investors could lose a substantial portion or all of their principal. All payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is issuing $20,000,000 of Redeemable Fixed Rate Notes due December 17, 2030. The notes pay fixed interest of 4.525% per annum, with interest paid on June 17 and December 17 of each year, starting June 17, 2026, in minimum denominations of $1,000.
The notes are issued at 100% of principal, with underwriting discounts of 0.15%, resulting in estimated proceeds to Royal Bank of Canada of $19,970,000. They are callable at the bank’s option in whole, but not in part, on quarterly call dates beginning December 17, 2027. The notes are unsecured bail-inable obligations of Royal Bank of Canada, are subject to the bank’s credit risk and Canadian bail-in powers, and are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering $5,525,000 of Auto-Callable Contingent Coupon Buffer Notes linked to the common stock of UnitedHealth Group Incorporated. These Notes pay a contingent monthly coupon of $5.833 per $1,000 (7.00% per year) only when the stock closes at or above 75% of the initial price of $334.20, set at $250.65. The Notes can be automatically called starting about six months after issuance if the stock is at or above the initial level, in which case holders receive $1,000 per Note plus the applicable coupon and no further payments.
If the Notes are not called and the final stock value is at or above the 75% buffer, investors receive their full principal back plus any due coupon. If the final value falls below the buffer, repayment is in UnitedHealth shares (or cash equivalent) based on a formula that exposes investors to losses beyond 25% of principal. The initial estimated value of $980.57 per $1,000 is below the public offering price, reflecting fees and hedging costs, and all payments depend on Royal Bank of Canada’s creditworthiness.