RAYMOND JAMES FINANCIAL INC (RJF) Fundamental Analysis & Valuation

NYSE:RJF • US7547301090

Current stock price

143.81 USD
+0.94 (+0.66%)
At close:
143.81 USD
0 (0%)
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.
  • 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

  • RJF has a Return On Assets of 2.35%. This is comparable to the rest of the industry: RJF outperforms 49.17% of its industry peers.
  • 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.
  • The Return On Invested Capital of RJF (2.73%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for RJF is below the industry average of 7.14%.
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

  • Looking at the Profit Margin, with a value of 13.02%, RJF is in line with its industry, outperforming 46.25% of the companies in the same industry.
  • RJF's Profit Margin has improved in the last couple of years.
  • RJF has a Operating Margin of 17.13%. This is in the lower half of the industry: RJF underperforms 62.08% 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 Gross Margin of 86.43%. This is amongst the best in the industry. RJF outperforms 90.42% 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

  • The number of shares outstanding for RJF has been reduced compared to 1 year ago.
  • The number of shares outstanding for RJF has been increased compared to 5 years ago.
  • Compared to 1 year ago, RJF has a worse debt to assets ratio.
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 0.01, we must say that RJF is in the distress zone and has some risk of bankruptcy.
  • RJF has a worse Altman-Z score (0.01) than 72.92% of its industry peers.
  • 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's Debt to FCF ratio of 46.58 is in line compared to the rest of the industry. RJF outperforms 50.42% of its industry peers.
  • A Debt/Equity ratio of 5.19 is on the high side and indicates that RJF has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 5.19, RJF is doing worse than 85.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Altman-Z 0.01
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 85.00% 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.
  • Looking at the Quick ratio, with a value of 0.25, RJF is doing worse than 85.00% of the companies in the same industry.
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.
  • RJF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.98%.
  • 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

  • The Earnings Per Share is expected to grow by 9.72% on average over the next years. This is quite good.
  • Based on estimates for the next years, RJF will show a small growth in Revenue. The Revenue will grow by 6.59% on average per year.
EPS Next Y14.88%
EPS Next 2Y13.95%
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.
  • 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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6

4. RJF Valuation Analysis

4.1 Price/Earnings Ratio

  • RJF is valuated correctly with a Price/Earnings ratio of 13.61.
  • RJF's Price/Earnings ratio is in line with the industry average.
  • RJF is valuated rather cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.41 indicates a reasonable valuation of RJF.
  • RJF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RJF is cheaper than 65.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, RJF is valued rather cheaply.
Industry RankSector Rank
PE 13.61
Fwd PE 10.41
RJF Price Earnings VS Forward Price EarningsRJF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaply inside the industry as 89.58% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, RJF is valued a bit cheaper than the industry average as 62.08% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 20.23
EV/EBITDA 7.69
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap 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)0.91
PEG (5Y)0.64
EPS Next 2Y13.95%
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 1.51%, RJF has a reasonable but not impressive dividend return.
  • RJF's Dividend Yield is slightly below the industry average, which is at 6.91.
  • Compared to the average S&P500 Dividend Yield of 1.89, RJF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

  • The dividend of RJF is nicely growing with an annual growth rate of 6.81%!
  • RJF has paid a dividend for at least 10 years, which is 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.
  • The dividend of RJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.24%
EPS Next 2Y13.95%
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 (3/20/2026, 8:20:56 PM)

After market: 143.81 0 (0%)

143.81

+0.94 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.44%
Inst Owner Change-0.25%
Ins Owners0.52%
Ins Owner Change0.42%
Market Cap28.34B
Revenue(TTM)16.05B
Net Income(TTM)2.09B
Analysts71.11
Price Target189.31 (31.64%)
Short Float %5.2%
Short Ratio6.52
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
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)0%
PT rev (3m)-0.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.56%
EPS NY rev (1m)0.36%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.02%
Valuation
Industry RankSector Rank
PE 13.61
Fwd PE 10.41
P/S 1.77
P/FCF 20.23
P/OCF 17.78
P/B 2.25
P/tB 2.64
EV/EBITDA 7.69
EPS(TTM)10.57
EY7.35%
EPS(NY)13.81
Fwd EY9.61%
FCF(TTM)7.11
FCFY4.94%
OCF(TTM)8.09
OCFY5.62%
SpS81.45
BVpS63.78
TBVpS54.45
PEG (NY)0.91
PEG (5Y)0.64
Graham Number123.16
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 0.01
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 Y14.88%
EPS Next 2Y13.95%
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.


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 13.61 and the Price/Book (PB) ratio is 2.25.


Is the dividend of RAYMOND JAMES FINANCIAL INC sustainable?

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