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Royal Bank of Canada (RY) has filed a preliminary pricing supplement for a new structured product: Auto-Callable Contingent Coupon Barrier Notes linked to the Class A common stock of Datadog, Inc. (Nasdaq: DDOG). The notes will be issued under RBC’s Senior Global Medium-Term Notes, Series J program and are scheduled to price on 17 July 2025 and settle on 22 July 2025, with a final valuation on 19 July 2027 and maturity on 22 July 2027.
Key economic terms
- Face value: $1,000 minimum denomination.
- Contingent coupon: 3.6125% quarterly (14.45% p.a.) paid only if DDOG’s closing price on the relevant observation date is ≥ 65% of the initial value (the “Coupon Threshold”). Investors may receive zero coupons for any quarter that the threshold is not met.
- Auto-call: Beginning six months after issuance, the notes will be automatically redeemed at par plus the coupon if DDOG’s closing price on any quarterly Call Observation Date is ≥ the initial price.
- Barrier & principal risk: If the notes are not called and DDOG’s final price is ≥ 65% of the initial price, principal is returned at par. If the final price is < 65%, repayment equals par multiplied by the share return—resulting in 1-for-1 downside exposure below the barrier; investors could lose up to 100% of principal.
- Initial estimated value: expected between $912.50-$962.50 per $1,000 (≈ 3.75-8.75% discount to issue price) due to embedded fees and RBC’s lower funding rate.
- Fees: 2.50% underwriting discount; selling concessions up to $25 per $1,000.
- Listing & liquidity: The notes will not be listed. Secondary market, if any, will be made solely by RBC Capital Markets and may involve significant bid-ask spreads.
Risk highlights
- Investors face credit risk of Royal Bank of Canada; the notes are senior unsecured obligations.
- Coupons are contingent; missed coupons typically coincide with periods of heightened principal risk.
- No participation in DDOG upside beyond the fixed coupon; returns are capped at coupon income.
- Early auto-call can limit total return and force reinvestment at potentially lower prevailing yields.
- Secondary market value expected to be below issue price and could be highly volatile.
Illustrative performance shows that, absent auto-call, investors receive the full coupon and par as long as DDOG does not fall more than 35% from the initial price. A 50% decline would deliver only $500, and a ≥ 65% decline wipes out ≥ 65% of principal.
Tax treatment: RBC intends to treat the notes as prepaid financial contracts with associated coupons taxed as ordinary income; however, the IRS could challenge this view. Non-U.S. holders face potential 30% withholding on coupons.
Overall, the product targets income-oriented investors willing to assume issuer credit risk, a 35% downside buffer, and the possibility of no coupons or early redemption. It is not a direct substitute for owning DDOG shares nor a conventional bond.
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