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.
  • RJF had a positive operating cash flow in the past year.
  • In the past 5 years RJF has always been profitable.
  • Of the past 5 years RJF 4 years had a positive operating cash flow.
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.
  • With a decent Return On Equity value of 16.63%, RJF is doing good in the industry, outperforming 77.08% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.73%, RJF is in line with its industry, outperforming 40.83% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years 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

  • With a Profit Margin value of 13.02%, RJF perfoms like the industry average, outperforming 45.83% of the companies in the same industry.
  • RJF's Profit Margin has improved in the last couple of years.
  • 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.
  • The Gross Margin of RJF (86.43%) is better than 90.83% of its industry peers.
  • In the last couple of years the Gross Margin of RJF has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. RJF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, RJF has less shares outstanding
  • RJF has more shares outstanding than it did 5 years ago.
  • RJF has a worse debt/assets ratio than last year.
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

  • Based on the Altman-Z score of 0.02, we must say that RJF is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.02, RJF is not doing good in the industry: 72.92% of the companies in the same industry are doing better.
  • The Debt to FCF ratio of RJF is 46.58, which is on the high side as it means it would take RJF, 46.58 years of fcf income to pay off all of its debts.
  • RJF has a Debt to FCF ratio (46.58) which is comparable to the rest of the industry.
  • RJF has a Debt/Equity ratio of 5.19. This is a high value indicating a heavy dependency on external financing.
  • RJF has a worse Debt to Equity ratio (5.19) than 85.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Altman-Z 0.02
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 Current ratio of 0.25. This is amonst the worse of the industry: RJF underperforms 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%.
  • The Earnings Per Share has been growing by 21.21% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 3.98% in the past year.
  • RJF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.27% yearly.
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.
  • The Revenue is expected to grow by 6.59% on average over the next years.
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

  • 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.
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

  • RJF is valuated correctly with a Price/Earnings ratio of 14.27.
  • The rest of the industry has a similar Price/Earnings ratio as RJF.
  • RJF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.53.
  • Based on the Price/Forward Earnings ratio of 10.98, the valuation of RJF can be described as reasonable.
  • RJF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RJF is cheaper than 63.33% of the companies in the same industry.
  • RJF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.95.
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

  • Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaper than 89.58% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as RJF.
Industry RankSector Rank
P/FCF 21.22
EV/EBITDA 8.17
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

  • RJF has a Yearly Dividend Yield of 1.46%. Purely for dividend investing, there may be better candidates out there.
  • 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

  • On average, the dividend of RJF grows each year by 6.81%, which is quite nice.
  • RJF has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of RJF decreased 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

  • RJF pays out 20.24% 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.
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 8.17
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 0.02
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%.