US7547301090 - Common Stock

We assign a fundamental rating of **4** out of 10 to **RJF**. **RJF** was compared to 221 industry peers in the **Capital Markets** industry. While **RJF** is still in line with the averages on profitability rating, there are concerns on its financial health. **RJF** has a decent growth rate and is not valued too expensively.

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.

The **Average Return On Invested Capital** over the past 3 years for **RJF** is significantly below the industry average of **17.62%**.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 2.34% | ||

ROE | 16.88% | ||

ROIC | 2.72% |

ROA(3y)2.11%

ROA(5y)2.14%

ROE(3y)16.61%

ROE(5y)15.4%

ROIC(3y)2.79%

ROIC(5y)2.85%

In the last couple of years the **Profit Margin** of **RJF** has grown nicely.

In the last couple of years the **Operating Margin** of **RJF** has remained more or less at the same level.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 17.73% | ||

PM (TTM) | 13.09% | ||

GM | 83.84% |

OM growth 3Y4.2%

OM growth 5Y1.18%

PM growth 3Y9.96%

PM growth 5Y3.04%

GM growth 3Y-2.98%

GM growth 5Y-1.72%

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.

Based on the Altman-Z score of **-0.01**, we must say that **RJF** is in the distress zone and has some risk of bankruptcy.

Looking at the **Debt to FCF ratio**, with a value of **31.31**, **RJF** is in line with its industry, outperforming **44.70%** of the companies in the same industry.

A Debt/Equity ratio of **5.24** is on the high side and indicates that **RJF** has dependencies on debt financing.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 5.24 | ||

Debt/FCF | 31.31 | ||

Altman-Z | -0.01 |

ROIC/WACCN/A

WACCN/A

A Current Ratio of **0.27** indicates that **RJF** may have some problems paying its short term obligations.

Looking at the **Quick ratio**, with a value of **0.27**, **RJF** is doing worse than **84.79%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 0.27 | ||

Quick Ratio | 0.27 |

The **Earnings Per Share** has been growing by **13.99%** on average over the past years. This is quite good.

The **Revenue** has been growing by **11.69%** on average over the past years. This is quite good.

EPS 1Y (TTM)11.88%

EPS 3Y26.85%

EPS 5Y13.99%

EPS Q2Q%29.19%

Revenue 1Y (TTM)15.68%

Revenue growth 3Y16.73%

Revenue growth 5Y11.69%

Sales Q2Q%11.04%

The **Earnings Per Share** is expected to grow by **6.20%** on average over the next years.

EPS Next Y15.87%

EPS Next 2Y10.52%

EPS Next 3Y9.78%

EPS Next 5Y6.2%

Revenue Next Year9.56%

Revenue Next 2Y8.82%

Revenue Next 3Y8.57%

Revenue Next 5Y5.98%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

A **Price/Earnings** ratio of **13.53** 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.

Compared to an average S&P500 **Price/Earnings** ratio of **30.97**, **RJF** is valued rather cheaply.

When comparing the **Price/Forward Earnings** ratio of **RJF** to the average of the S&P500 Index (**22.29**), we can say **RJF** is valued slightly cheaper.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 13.53 | ||

Fwd PE | 12.32 |

Compared to the rest of the industry, the **Enterprise Value to EBITDA** ratio of **RJF** indicates a rather cheap valuation: **RJF** is cheaper than 90.78% of the companies listed in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 13.73 | ||

EV/EBITDA | 7.21 |

The low **PEG Ratio(NY)**, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.85

PEG (5Y)0.97

EPS Next 2Y10.52%

EPS Next 3Y9.78%

Compared to an average industry **Dividend Yield** of **8.99**, **RJF** is paying slightly less dividend.

Compared to the average S&P500 **Dividend Yield** of **2.22**, **RJF** is paying slightly less dividend.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.44% |

On average, the dividend of **RJF** grows each year by **9.97%**, which is quite nice.

Dividend Growth(5Y)9.97%

Div Incr Years0

Div Non Decr Years0

The dividend of **RJF** is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP19.95%

EPS Next 2Y10.52%

EPS Next 3Y9.78%

**RAYMOND JAMES FINANCIAL INC**

NYSE:RJF (10/8/2024, 8:20:58 PM)

After market: 124.9 0 (0%)**124.9**

**-0.47 (-0.37%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap25.72B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.44% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

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EPS beat(8)

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EPS beat(16)

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Revenue beat(2)

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Revenue beat(4)

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Revenue beat(8)

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Revenue beat(12)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 13.53 | ||

Fwd PE | 12.32 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.85

PEG (5Y)0.97

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 2.34% | ||

ROE | 16.88% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 17.73% | ||

PM (TTM) | 13.09% | ||

GM | 83.84% | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.18

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 5.24 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | 0.27 | ||

Quick Ratio | 0.27 | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)11.88%

EPS 3Y26.85%

EPS 5Y

EPS Q2Q%

EPS Next Y15.87%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)15.68%

Revenue growth 3Y16.73%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y