RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
NYSE:RJF • US7547301090
158.26 USD
+0.23 (+0.15%)
At close: Feb 20, 2026
158.26 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
RJF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. There are concerns on the financial health of RJF while its profitability can be described as average. RJF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- RJF had positive earnings in the past year.
- In the past year RJF had a positive cash flow from operations.
- In the past 5 years RJF has always been profitable.
- Of the past 5 years RJF 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of RJF (2.41%) is comparable to the rest of the industry.
- RJF's Return On Equity of 17.01% is amongst the best of the industry. RJF outperforms 81.01% of its industry peers.
- The Return On Invested Capital of RJF (2.79%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for RJF is below the industry average of 7.31%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.41% | ||
| ROE | 17.01% | ||
| ROIC | 2.79% |
ROA(3y)2.37%
ROA(5y)2.24%
ROE(3y)17.19%
ROE(5y)16.89%
ROIC(3y)2.81%
ROIC(5y)2.88%
1.3 Margins
- RJF has a Profit Margin (13.37%) which is in line with its industry peers.
- RJF's Profit Margin has improved in the last couple of years.
- RJF's Operating Margin of 17.41% is in line compared to the rest of the industry. RJF outperforms 42.19% of its industry peers.
- RJF's Operating Margin has been stable in the last couple of years.
- RJF has a better Gross Margin (86.03%) than 91.14% of its industry peers.
- RJF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.41% | ||
| PM (TTM) | 13.37% | ||
| GM | 86.03% |
OM growth 3Y-3.18%
OM growth 5Y1.22%
PM growth 3Y0.21%
PM growth 5Y5.97%
GM growth 3Y-3.22%
GM growth 5Y-2.06%
2. Health
2.1 Basic Checks
- The number of shares outstanding for RJF has been reduced compared to 1 year ago.
- Compared to 5 years ago, RJF has more shares outstanding
- The debt/assets ratio for RJF is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.05, we must say that RJF is in the distress zone and has some risk of bankruptcy.
- RJF has a Altman-Z score of 0.05. This is in the lower half of the industry: RJF underperforms 71.73% of its industry peers.
- RJF has a debt to FCF ratio of 28.60. This is a negative value and a sign of low solvency as RJF would need 28.60 years to pay back of all of its debts.
- RJF's Debt to FCF ratio of 28.60 is in line compared to the rest of the industry. RJF outperforms 54.43% of its industry peers.
- A Debt/Equity ratio of 5.14 is on the high side and indicates that RJF has dependencies on debt financing.
- With a Debt to Equity ratio value of 5.14, RJF is not doing good in the industry: 83.97% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.14 | ||
| Debt/FCF | 28.6 | ||
| Altman-Z | 0.05 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- RJF has a Current Ratio of 0.28. This is a bad value and indicates that RJF is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.28, RJF is doing worse than 81.43% of the companies in the same industry.
- A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
- RJF has a worse Quick ratio (0.28) than 81.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- RJF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.09%.
- Measured over the past years, RJF shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.21% on average per year.
- RJF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.98%.
- The Revenue has been growing by 14.27% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.09%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%-2.39%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
3.2 Future
- Based on estimates for the next years, RJF will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.72% on average per year.
- The Revenue is expected to grow by 6.59% on average over the next years.
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
Revenue Next 5Y6.59%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 14.97, which indicates a correct valuation of RJF.
- Compared to the rest of the industry, the Price/Earnings ratio of RJF is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 26.99. RJF is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 11.29 indicates a reasonable valuation of RJF.
- 63.71% of the companies in the same industry are more expensive than RJF, based on the Price/Forward Earnings ratio.
- RJF is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.97 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaply inside the industry as 90.72% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, RJF is valued a bit cheaper than 70.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.89 | ||
| EV/EBITDA | 8.09 |
4.3 Compensation for Growth
- RJF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as RJF's earnings are expected to grow with 16.32% in the coming years.
PEG (NY)1.04
PEG (5Y)0.71
EPS Next 2Y14.8%
EPS Next 3Y16.32%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.37%, RJF has a reasonable but not impressive dividend return.
- RJF's Dividend Yield is slightly below the industry average, which is at 6.09.
- Compared to the average S&P500 Dividend Yield of 1.81, RJF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- The dividend of RJF is nicely growing with an annual growth rate of 6.81%!
- RJF has been paying a dividend for at least 10 years, so it has a reliable track record.
- RJF has decreased its dividend recently.
Dividend Growth(5Y)6.81%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- RJF pays out 19.56% of its income as dividend. This is a sustainable payout ratio.
- RJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.56%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
158.26
+0.23 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners79.65%
Inst Owner Change0.64%
Ins Owners0.58%
Ins Owner Change0.53%
Market Cap31.19B
Revenue(TTM)16.05B
Net Income(TTM)2.13B
Analysts71.11
Price Target189.31 (19.62%)
Short Float %4.26%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly Dividend2.07
Dividend Growth(5Y)6.81%
DP19.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-02 2026-01-02 (0.54)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.33%
Min EPS beat(2)-8.41%
Max EPS beat(2)9.08%
EPS beat(4)2
Avg EPS beat(4)1.69%
Min EPS beat(4)-8.41%
Max EPS beat(4)9.08%
EPS beat(8)5
Avg EPS beat(8)4.26%
EPS beat(12)5
Avg EPS beat(12)0.09%
EPS beat(16)7
Avg EPS beat(16)0.81%
Revenue beat(2)1
Avg Revenue beat(2)0.8%
Min Revenue beat(2)-0.21%
Max Revenue beat(2)1.8%
Revenue beat(4)2
Avg Revenue beat(4)0.22%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)1.8%
Revenue beat(8)3
Avg Revenue beat(8)-0.22%
Revenue beat(12)5
Avg Revenue beat(12)0.13%
Revenue beat(16)9
Avg Revenue beat(16)1.22%
PT rev (1m)0.6%
PT rev (3m)-0.66%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)-1.92%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)0.85%
Revenue NY rev (3m)3.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.97 | ||
| Fwd PE | 11.29 | ||
| P/S | 1.96 | ||
| P/FCF | 13.89 | ||
| P/OCF | 12.81 | ||
| P/B | 2.49 | ||
| P/tB | 2.93 | ||
| EV/EBITDA | 8.09 |
EPS(TTM)10.57
EY6.68%
EPS(NY)14.02
Fwd EY8.86%
FCF(TTM)11.4
FCFY7.2%
OCF(TTM)12.35
OCFY7.8%
SpS80.73
BVpS63.44
TBVpS54.07
PEG (NY)1.04
PEG (5Y)0.71
Graham Number122.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.41% | ||
| ROE | 17.01% | ||
| ROCE | 15.56% | ||
| ROIC | 2.79% | ||
| ROICexc | 3.27% | ||
| ROICexgc | 3.4% | ||
| OM | 17.41% | ||
| PM (TTM) | 13.37% | ||
| GM | 86.03% | ||
| FCFM | 14.12% |
ROA(3y)2.37%
ROA(5y)2.24%
ROE(3y)17.19%
ROE(5y)16.89%
ROIC(3y)2.81%
ROIC(5y)2.88%
ROICexc(3y)3.29%
ROICexc(5y)3.35%
ROICexgc(3y)3.43%
ROICexgc(5y)3.49%
ROCE(3y)16.36%
ROCE(5y)16.18%
ROICexgc growth 3Y4.56%
ROICexgc growth 5Y0.19%
ROICexc growth 3Y4.74%
ROICexc growth 5Y0.2%
OM growth 3Y-3.18%
OM growth 5Y1.22%
PM growth 3Y0.21%
PM growth 5Y5.97%
GM growth 3Y-3.22%
GM growth 5Y-2.06%
F-Score6
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.14 | ||
| Debt/FCF | 28.6 | ||
| Debt/EBITDA | 21.66 | ||
| Cap/Depr | 96.41% | ||
| Cap/Sales | 1.18% | ||
| Interest Coverage | 1.49 | ||
| Cash Conversion | 82.09% | ||
| Profit Quality | 105.6% | ||
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 0.05 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)105.26%
Cap/Depr(5y)86.75%
Cap/Sales(3y)1.3%
Cap/Sales(5y)1.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.09%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%-2.39%
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
Revenue Next 5Y6.59%
EBIT growth 1Y2.37%
EBIT growth 3Y8.49%
EBIT growth 5Y15.67%
EBIT Next Year3.77%
EBIT Next 3Y10.11%
EBIT Next 5Y9.01%
FCF growth 1Y15.18%
FCF growth 3YN/A
FCF growth 5Y-10.59%
OCF growth 1Y12.95%
OCF growth 3Y223.34%
OCF growth 5Y-9.7%
RAYMOND JAMES FINANCIAL INC / RJF FAQ
What is the ChartMill fundamental rating of RAYMOND JAMES FINANCIAL INC (RJF) stock?
ChartMill assigns a fundamental rating of 3 / 10 to RJF.
Can you provide the valuation status for RAYMOND JAMES FINANCIAL INC?
ChartMill assigns a valuation rating of 6 / 10 to RAYMOND JAMES FINANCIAL INC (RJF). This can be considered as Fairly Valued.
How profitable is RAYMOND JAMES FINANCIAL INC (RJF) stock?
RAYMOND JAMES FINANCIAL INC (RJF) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for RJF stock?
The Price/Earnings (PE) ratio for RAYMOND JAMES FINANCIAL INC (RJF) is 14.97 and the Price/Book (PB) ratio is 2.49.
Is the dividend of RAYMOND JAMES FINANCIAL INC sustainable?
The dividend rating of RAYMOND JAMES FINANCIAL INC (RJF) is 4 / 10 and the dividend payout ratio is 19.56%.