RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
NYSE:RJF • US7547301090
158.03 USD
-3.13 (-1.94%)
At close: Feb 19, 2026
158.03 USD
0 (0%)
After Hours: 2/19/2026, 8:04:00 PM
We assign a fundamental rating of 3 out of 10 to RJF. RJF was compared to 237 industry peers in the Capital Markets industry. There are concerns on the financial health of RJF while its profitability can be described as average. RJF has a decent growth rate and is not valued too expensively.
1. Profitability
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.
- RJF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- RJF's Return On Assets of 2.41% is in line compared to the rest of the industry. RJF outperforms 46.41% of its industry peers.
- The Return On Equity of RJF (17.01%) is better than 81.01% of its industry peers.
- RJF's Return On Invested Capital of 2.79% is in line compared to the rest of the industry. RJF outperforms 40.93% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for RJF is below the industry average of 7.29%.
| 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.
- RJF has a Operating Margin (17.41%) which is comparable to the rest of the industry.
- 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 (86.03%) than 91.14% of its industry peers.
- RJF's Gross Margin has declined in the last couple of years.
| 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 0.06, we must say that RJF is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.06, RJF is doing worse than 71.73% of the companies in the same industry.
- 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's Debt to FCF ratio of 28.60 is in line compared to the rest of the industry. RJF outperforms 54.85% of its industry peers.
- A Debt/Equity ratio of 5.14 is on the high side and indicates that RJF has dependencies on debt financing.
- The Debt to Equity ratio of RJF (5.14) is worse than 83.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.14 | ||
| Debt/FCF | 28.6 | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- RJF has a Current Ratio of 0.28. 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's Current ratio of 0.28 is on the low side compared to the rest of the industry. RJF is outperformed by 81.43% of its industry peers.
- RJF has a Quick Ratio of 0.28. 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 0.28, RJF is doing worse than 81.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- RJF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.09%.
- Measured over the past years, RJF shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.21% on average per year.
- 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
- Based on estimates for the next years, RJF will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.72% on average per year.
- 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 Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.95 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 27.09, which is the current average of the S&P500 Index.
- RJF is valuated reasonably with a Price/Forward Earnings ratio of 11.27.
- Based on the Price/Forward Earnings ratio, RJF is valued a bit cheaper than 63.71% 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 27.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.95 | ||
| Fwd PE | 11.27 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaper than 90.30% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 70.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.87 | ||
| EV/EBITDA | 8.29 |
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 16.32% in the coming years.
PEG (NY)1.03
PEG (5Y)0.7
EPS Next 2Y14.8%
EPS Next 3Y16.32%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.37%, RJF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.04, 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 | 1.37% |
5.2 History
- The dividend of RJF has a limited annual growth rate of 4.25%.
- 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)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.
- The dividend of RJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.56%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
158.03
-3.13 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners79.65%
Inst Owner Change0.64%
Ins Owners0.58%
Ins Owner Change0.53%
Market Cap31.15B
Revenue(TTM)16.05B
Net Income(TTM)2.13B
Analysts71.11
Price Target189.31 (19.79%)
Short Float %4.26%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
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)0.6%
PT rev (3m)-0.66%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)-1.92%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)0.85%
Revenue NY rev (3m)3.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.95 | ||
| Fwd PE | 11.27 | ||
| P/S | 1.96 | ||
| P/FCF | 13.87 | ||
| P/OCF | 12.8 | ||
| P/B | 2.49 | ||
| P/tB | 2.92 | ||
| EV/EBITDA | 8.29 |
EPS(TTM)10.57
EY6.69%
EPS(NY)14.02
Fwd EY8.87%
FCF(TTM)11.4
FCFY7.21%
OCF(TTM)12.35
OCFY7.81%
SpS80.73
BVpS63.44
TBVpS54.07
PEG (NY)1.03
PEG (5Y)0.7
Graham Number122.83
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 | 0.06 |
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)-0.09%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%-2.39%
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
Revenue Next 5Y6.59%
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 3 / 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 14.95 and the Price/Book (PB) ratio is 2.49.
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%.