Royal Bank of Canada Accounts Receivables 2011-2025 | RY

Accounts receivable — is the amount of money owed to a company by other organizations, individuals, or the government. It arises when a company has already delivered goods, performed work, or provided services, but has not yet received payment for them.

Examples of accounts receivable

Customers have not paid invoices for delivered products
An advance has been paid to a supplier, but goods have not yet been received
Employees have not reported on accountable amounts
The government must refund tax overpayments
Outstanding loans issued

Importance of accounts receivable in company analysis

Asset quality
Accounts receivable are part of current assets. But they are not cash — they are promises. Investors assess how realistic these promises are to be collected. The higher the share of overdue or doubtful receivables, the greater the risk of asset impairment.
Impact on cash flow
Even if a company shows a profit, the money can be "tied up" in receivables. This means profit does not turn into actual cash, and the company may face liquidity shortages.
Assessment of management efficiency
The following accounts receivable turnover ratios are commonly used:
Receivables turnover = Revenue / Average accounts receivable
(the higher — the better)

Days Sales Outstanding (DSO) = 365 / Turnover
(the fewer days — the faster customers pay)

If the DSO is constantly increasing — this is a red flag — customers are delaying payments, and money gets stuck in settlements.

Annual Accounts Receivables Royal Bank of Canada

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	-	-	-	2.36 B	2.87 B	2.64 B	-	-	-	-	-	-	-

All numbers in CAD currency

Indicator range from annual reports

Maximum	Minimum	Average
2.87 B	2.36 B	2.62 B

Quarterly Accounts Receivables Royal Bank of Canada

2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	2.2 B	-	-	-	2.36 B	-	-	-	2.87 B	-	-	-	2.64 B	-	-	-	2.11 B	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in CAD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
2.87 B	2.11 B	2.44 B

Accounts Receivables of other stocks in the Banks industry

Issuer	Accounts Receivables	Price	% 24h	Market Cap	Country
Credit Suisse Group AG CS	687 M	-	-0.03 %	$ 3.27 B	Schweiz
Foreign Trade Bank of Latin America BLX	41.1 M	$ 45.38	0.54 %	$ 914 K	Panama
The Bank of Nova Scotia BNS	2.81 B	$ 73.14	0.52 %	$ 56 B	Canada
Canadian Imperial Bank of Commerce CM	1.32 B	$ 93.09	0.24 %	$ 17.8 B	Canada
Generations Bancorp NY GBNY	1.61 M	-	1.23 %	$ 34.4 M	USA
Bank of Montreal BMO	1.59 B	$ 132.25	0.47 %	$ 54.1 B	Canada
Citigroup C	2 B	$ 113.05	1.1 %	$ 215 B	USA
Bank of the James Financial Group BOTJ	2.84 M	$ 18.05	0.28 %	$ 82.4 M	USA
East West Bancorp EWBC	116 M	$ 113.6	-0.02 %	$ 15.8 B	USA
America First Multifamily Investors, L.P. ATAX	11.6 M	-	-0.1 %	$ 424 M	USA
HDFC Bank Limited HDB	134 B	$ 36.0	0.36 %	$ 199 B	India
International Bancshares Corporation IBOC	72.2 M	$ 72.78	0.39 %	$ 4.53 B	USA
The Bank of N.T. Butterfield & Son Limited NTB	8.7 M	$ 51.18	-0.33 %	$ 1.43 B	Bermuda
OptimumBank Holdings OPHC	3.35 M	-	0.21 %	$ 34.4 M	USA
Premier Financial Corp. PFC	35.5 M	-	-	$ 1 B	USA
The Toronto-Dominion Bank TD	2.2 B	$ 92.03	0.68 %	$ 113 B	Canada
South State Corporation SSB	93.9 M	$ 96.95	0.98 %	$ 7.4 B	USA
UBS Group AG UBS	591 M	$ 42.69	-1.19 %	$ 81.8 B	Schweiz
Wells Fargo & Company WFC	19.6 B	$ 92.76	-0.02 %	$ 318 B	USA