RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RJF - US7547301090 - Common Stock
171.78 USD
+0.23 (+0.13%)
171.945 USD
+0.16 (+0.1%)
Overall RJF gets a fundamental rating of 4 out of 10. We evaluated RJF against 238 industry peers in the Capital Markets industry. RJF has a medium profitability rating, but doesn't score so well on its financial health evaluation. RJF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- RJF had positive earnings in the past year.
- RJF had a positive operating cash flow in the past year.
- RJF had positive earnings in each of the past 5 years.
- RJF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of RJF (2.41%) is comparable to the rest of the industry.
- RJF has a Return On Equity of 17.01%. This is amongst the best in the industry. RJF outperforms 81.09% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.79%, RJF is in line with its industry, outperforming 40.76% of the companies in the same industry.
- RJF had an Average Return On Invested Capital over the past 3 years of 2.81%. This is below the industry average of 7.15%.
| 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.
- The Operating Margin of RJF (17.41%) is comparable to the rest of the industry.
- RJF's Operating Margin has been stable in the last couple of years.
- RJF has a better Gross Margin (86.03%) than 91.18% of its industry peers.
- In the last couple of years the Gross Margin of RJF has declined.
| 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 increased compared to 1 year ago.
- RJF has more shares outstanding than it did 5 years ago.
- RJF has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.07, we must say that RJF is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of RJF (0.07) is worse than 72.69% of its industry peers.
- The Debt to FCF ratio of RJF is 28.60, which is on the high side as it means it would take RJF, 28.60 years of fcf income to pay off all of its debts.
- RJF has a Debt to FCF ratio of 28.60. This is comparable to the rest of the industry: RJF outperforms 53.78% of its industry peers.
- RJF has a Debt/Equity ratio of 5.14. This is a high value indicating a heavy dependency on external financing.
- RJF's Debt to Equity ratio of 5.14 is on the low side compared to the rest of the industry. RJF is outperformed by 83.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.14 | ||
| Debt/FCF | 28.6 | ||
| Altman-Z | 0.07 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
- RJF has a worse Current ratio (0.28) than 81.93% of its industry peers.
- A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
- The Quick ratio of RJF (0.28) is worse than 81.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 5.87% over the past year.
- RJF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.21% yearly.
- Looking at the last year, RJF shows a small growth in Revenue. The Revenue has grown by 6.63% in the last 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)5.87%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%5.42%
Revenue 1Y (TTM)6.63%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%7.65%
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 12.71% yearly.
- RJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.37% yearly.
EPS Next Y14.85%
EPS Next 2Y13.66%
EPS Next 3Y15.21%
EPS Next 5Y12.71%
Revenue Next Year14.09%
Revenue Next 2Y9.76%
Revenue Next 3Y9.06%
Revenue Next 5Y7.37%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- 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 16.14, which indicates a correct valuation of RJF.
- RJF's Price/Earnings is on the same level as the industry average.
- RJF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 14.06 indicates a correct valuation of RJF.
- The rest of the industry has a similar Price/Forward Earnings ratio as RJF.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, RJF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.14 | ||
| Fwd PE | 14.06 |
4.2 Price Multiples
- 89.50% of the companies in the same industry are more expensive than RJF, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 70.17% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.04 | ||
| EV/EBITDA | 8.98 |
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 15.21% in the coming years.
PEG (NY)1.09
PEG (5Y)0.76
EPS Next 2Y13.66%
EPS Next 3Y15.21%
5. Dividend
5.1 Amount
- RJF has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 6.10, RJF is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.85, RJF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
5.2 History
- The dividend of RJF has a limited annual growth rate of 4.25%.
- RJF has been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of RJF decreased recently.
Dividend Growth(5Y)4.25%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- 19.56% 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.
DP19.56%
EPS Next 2Y13.66%
EPS Next 3Y15.21%
171.78
+0.23 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners79.65%
Inst Owner Change0.39%
Ins Owners0.58%
Ins Owner Change0.69%
Market Cap33.78B
Revenue(TTM)15.91B
Net Income(TTM)2.13B
Analysts70.59
Price Target188.25 (9.59%)
Short Float %4.23%
Short Ratio5.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
Yearly Dividend1.84
Dividend Growth(5Y)4.25%
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)-0.87%
PT rev (3m)3.9%
EPS NQ rev (1m)-1.91%
EPS NQ rev (3m)1.27%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)4%
Revenue NQ rev (1m)0.99%
Revenue NQ rev (3m)5.85%
Revenue NY rev (1m)0.94%
Revenue NY rev (3m)5.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.14 | ||
| Fwd PE | 14.06 | ||
| P/S | 2.12 | ||
| P/FCF | 15.04 | ||
| P/OCF | 13.88 | ||
| P/B | 2.7 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 8.98 |
EPS(TTM)10.64
EY6.19%
EPS(NY)12.22
Fwd EY7.11%
FCF(TTM)11.42
FCFY6.65%
OCF(TTM)12.38
OCFY7.2%
SpS80.91
BVpS63.57
TBVpS54.18
PEG (NY)1.09
PEG (5Y)0.76
Graham Number123.37
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 | 0.07 |
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)5.87%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%5.42%
EPS Next Y14.85%
EPS Next 2Y13.66%
EPS Next 3Y15.21%
EPS Next 5Y12.71%
Revenue 1Y (TTM)6.63%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%7.65%
Revenue Next Year14.09%
Revenue Next 2Y9.76%
Revenue Next 3Y9.06%
Revenue Next 5Y7.37%
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 4 / 10 to RJF.
Can you provide the valuation status for RAYMOND JAMES FINANCIAL INC?
ChartMill assigns a valuation rating of 5 / 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 16.14 and the Price/Book (PB) ratio is 2.7.
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%.