RAYMOND JAMES FINANCIAL INC (RJF) Fundamental Analysis & Valuation

NYSE:RJF • US7547301090

Current stock price

150.86 USD
-4.91 (-3.15%)
At close:
151.21 USD
+0.35 (+0.23%)
After Hours:

This RJF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. RJF Profitability Analysis

1.1 Basic Checks

  • In the past year RJF was profitable.
  • In the past year RJF had a positive cash flow from operations.
  • Each year in the past 5 years RJF has been profitable.
  • RJF had a positive operating cash flow in 4 of the past 5 years.
RJF Yearly Net Income VS EBIT VS OCF VS FCFRJF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.35%, RJF is in line with its industry, outperforming 49.58% of the companies in the same industry.
  • RJF has a Return On Equity of 16.63%. This is in the better half of the industry: RJF outperforms 77.08% of its industry peers.
  • RJF has a Return On Invested Capital (2.73%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for RJF is below the industry average of 7.19%.
Industry RankSector Rank
ROA 2.35%
ROE 16.63%
ROIC 2.73%
ROA(3y)2.37%
ROA(5y)2.24%
ROE(3y)17.19%
ROE(5y)16.89%
ROIC(3y)2.81%
ROIC(5y)2.88%
RJF Yearly ROA, ROE, ROICRJF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • RJF has a Profit Margin (13.02%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of RJF has grown nicely.
  • RJF's Operating Margin of 17.13% is on the low side compared to the rest of the industry. RJF is outperformed by 62.50% of its industry peers.
  • In the last couple of years the Operating Margin of RJF has remained more or less at the same level.
  • RJF has a better Gross Margin (86.43%) than 90.83% of its industry peers.
  • RJF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.13%
PM (TTM) 13.02%
GM 86.43%
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%
RJF Yearly Profit, Operating, Gross MarginsRJF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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1

2. RJF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, RJF has less shares outstanding
  • The number of shares outstanding for RJF has been increased compared to 5 years ago.
  • The debt/assets ratio for RJF is higher compared to a year ago.
RJF Yearly Shares OutstandingRJF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
RJF Yearly Total Debt VS Total AssetsRJF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • RJF has an Altman-Z score of 0.03. This is a bad value and indicates that RJF is not financially healthy and even has some risk of bankruptcy.
  • RJF's Altman-Z score of 0.03 is on the low side compared to the rest of the industry. RJF is outperformed by 72.92% of its industry peers.
  • RJF has a debt to FCF ratio of 46.58. This is a negative value and a sign of low solvency as RJF would need 46.58 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 46.58, RJF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • A Debt/Equity ratio of 5.19 is on the high side and indicates that RJF has dependencies on debt financing.
  • RJF has a Debt to Equity ratio of 5.19. This is amonst the worse of the industry: RJF underperforms 85.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Altman-Z 0.03
ROIC/WACCN/A
WACCN/A
RJF Yearly LT Debt VS Equity VS FCFRJF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

2.3 Liquidity

  • A Current Ratio of 0.25 indicates that RJF may have some problems paying its short term obligations.
  • RJF has a worse Current ratio (0.25) than 85.42% of its industry peers.
  • RJF has a Quick Ratio of 0.25. This is a bad value and indicates that RJF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RJF has a Quick ratio of 0.25. This is amonst the worse of the industry: RJF underperforms 85.42% of its industry peers.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.25
RJF Yearly Current Assets VS Current LiabilitesRJF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. RJF Growth Analysis

3.1 Past

  • RJF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.09%.
  • RJF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.21% yearly.
  • The Revenue has been growing slightly by 3.98% in the past year.
  • Measured over the past years, RJF shows a quite strong growth in Revenue. The Revenue has been growing by 14.27% on average per year.
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

  • RJF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.72% yearly.
  • RJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.
EPS Next Y14.24%
EPS Next 2Y13.63%
EPS Next 3Y16.34%
EPS Next 5Y9.72%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
Revenue Next 5Y6.59%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RJF Yearly Revenue VS EstimatesRJF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B
RJF Yearly EPS VS EstimatesRJF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15 20

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5

4. RJF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.27 indicates a correct valuation of RJF.
  • The rest of the industry has a similar Price/Earnings ratio as RJF.
  • When comparing the Price/Earnings ratio of RJF to the average of the S&P500 Index (27.53), we can say RJF is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 10.98, the valuation of RJF can be described as very reasonable.
  • RJF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RJF is cheaper than 62.50% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.95, RJF is valued rather cheaply.
Industry RankSector Rank
PE 14.27
Fwd PE 10.98
RJF Price Earnings VS Forward Price EarningsRJF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 89.17% of the companies in the same industry are more expensive than RJF, based on the Enterprise Value to EBITDA ratio.
  • RJF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 21.22
EV/EBITDA 8.49
RJF Per share dataRJF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • RJF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • RJF's earnings are expected to grow with 16.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)0.67
EPS Next 2Y13.63%
EPS Next 3Y16.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. RJF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.46%, RJF has a reasonable but not impressive dividend return.
  • RJF's Dividend Yield is slightly below the industry average, which is at 6.64.
  • RJF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.46%

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
RJF Yearly Dividends per shareRJF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 20.24% of the earnings are spent on dividend by RJF. This is a low number and sustainable payout ratio.
  • RJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP20.24%
EPS Next 2Y13.63%
EPS Next 3Y16.34%
RJF Yearly Income VS Free CF VS DividendRJF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B
RJF Dividend Payout.RJF Dividend Payout, showing the Payout Ratio.RJF Dividend Payout.PayoutRetained Earnings

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RJF Fundamentals: All Metrics, Ratios and Statistics

RAYMOND JAMES FINANCIAL INC

NYSE:RJF (4/16/2026, 8:04:00 PM)

After market: 151.21 +0.35 (+0.23%)

150.86

-4.91 (-3.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.3%
Inst Owner Change-0.01%
Ins Owners0.5%
Ins Owner Change0.42%
Market Cap29.73B
Revenue(TTM)16.05B
Net Income(TTM)2.09B
Analysts71.11
Price Target184.72 (22.44%)
Short Float %5.05%
Short Ratio6.19
Dividend
Industry RankSector Rank
Dividend Yield 1.46%
Yearly Dividend2.07
Dividend Growth(5Y)6.81%
DP20.24%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-01
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.76%
Min EPS beat(2)-1.55%
Max EPS beat(2)9.08%
EPS beat(4)1
Avg EPS beat(4)-0.68%
Min EPS beat(4)-8.41%
Max EPS beat(4)9.08%
EPS beat(8)4
Avg EPS beat(8)3.41%
EPS beat(12)5
Avg EPS beat(12)0.01%
EPS beat(16)6
Avg EPS beat(16)-0.49%
Revenue beat(2)1
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-3.84%
Max Revenue beat(2)1.8%
Revenue beat(4)1
Avg Revenue beat(4)-0.96%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)1.8%
Revenue beat(8)3
Avg Revenue beat(8)-0.37%
Revenue beat(12)4
Avg Revenue beat(12)-0.63%
Revenue beat(16)8
Avg Revenue beat(16)0.63%
PT rev (1m)-2.42%
PT rev (3m)-1.84%
EPS NQ rev (1m)-1.09%
EPS NQ rev (3m)-2.23%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)0.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 14.27
Fwd PE 10.98
P/S 1.85
P/FCF 21.22
P/OCF 18.65
P/B 2.37
P/tB 2.77
EV/EBITDA 8.49
EPS(TTM)10.57
EY7.01%
EPS(NY)13.74
Fwd EY9.11%
FCF(TTM)7.11
FCFY4.71%
OCF(TTM)8.09
OCFY5.36%
SpS81.45
BVpS63.78
TBVpS54.45
PEG (NY)1
PEG (5Y)0.67
Graham Number123.158 (-18.36%)
Profitability
Industry RankSector Rank
ROA 2.35%
ROE 16.63%
ROCE 15.4%
ROIC 2.73%
ROICexc 3.13%
ROICexgc 3.25%
OM 17.13%
PM (TTM) 13.02%
GM 86.43%
FCFM 8.73%
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-Score4
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Debt/EBITDA 22.14
Cap/Depr 97.97%
Cap/Sales 1.2%
Interest Coverage 1.55
Cash Conversion 54.09%
Profit Quality 67.03%
Current Ratio 0.25
Quick Ratio 0.25
Altman-Z 0.03
F-Score4
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 Y14.24%
EPS Next 2Y13.63%
EPS Next 3Y16.34%
EPS Next 5Y9.72%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
Revenue Next 5Y6.59%
EBIT growth 1Y-2.24%
EBIT growth 3Y8.49%
EBIT growth 5Y15.67%
EBIT Next Year3.77%
EBIT Next 3Y10.11%
EBIT Next 5Y9.01%
FCF growth 1Y4619.35%
FCF growth 3YN/A
FCF growth 5Y-10.59%
OCF growth 1Y866.06%
OCF growth 3Y223.34%
OCF growth 5Y-9.7%

RAYMOND JAMES FINANCIAL INC / RJF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RAYMOND JAMES FINANCIAL INC (RJF) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RJF.


What is the valuation status of RAYMOND JAMES FINANCIAL INC (RJF) stock?

ChartMill assigns a valuation rating of 5 / 10 to RAYMOND JAMES FINANCIAL INC (RJF). This can be considered as Fairly Valued.


What is the profitability of RJF stock?

RAYMOND JAMES FINANCIAL INC (RJF) has a profitability rating of 5 / 10.


What are the PE and PB ratios of RAYMOND JAMES FINANCIAL INC (RJF) stock?

The Price/Earnings (PE) ratio for RAYMOND JAMES FINANCIAL INC (RJF) is 14.27 and the Price/Book (PB) ratio is 2.37.


How sustainable is the dividend of RAYMOND JAMES FINANCIAL INC (RJF) stock?

The dividend rating of RAYMOND JAMES FINANCIAL INC (RJF) is 5 / 10 and the dividend payout ratio is 20.24%.