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%)
RJF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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 decent growth rate and is not valued too expensively.
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.
- Each year in the past 5 years RJF has 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 47.06% of its industry peers.
- RJF's Return On Equity of 17.01% is amongst the best of the industry. RJF outperforms 81.09% of its industry peers.
- The Return On Invested Capital of RJF (2.79%) is comparable to the rest of the industry.
- RJF had an Average Return On Invested Capital over the past 3 years of 2.81%. This is below the industry average of 7.27%.
| 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.
- In the last couple of years the Profit Margin of RJF has grown nicely.
- RJF has a Operating Margin (17.41%) which is in line with 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 86.03%. This is amongst the best in the industry. RJF outperforms 91.18% 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
- RJF has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, RJF has more shares outstanding
- Compared to 1 year ago, RJF has a worse debt to assets ratio.
2.2 Solvency
- RJF has an Altman-Z score of 0.07. This is a bad value and indicates that RJF is not financially healthy and even has some risk of bankruptcy.
- RJF has a worse Altman-Z score (0.07) 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.
- Looking at the Debt to FCF ratio, with a value of 28.60, RJF is in line with its industry, outperforming 53.78% of the companies in the same industry.
- RJF has a Debt/Equity ratio of 5.14. This is a high value indicating a heavy dependency on external financing.
- RJF has a Debt to Equity ratio of 5.14. This is amonst the worse of the industry: RJF underperforms 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.
- Looking at the Current ratio, with a value of 0.28, RJF is doing worse than 81.93% of the companies in the same industry.
- A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
- RJF has a worse Quick ratio (0.28) than 81.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- RJF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.87%.
- 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.
- Looking at the last year, RJF shows a small growth in Revenue. The Revenue has grown by 6.63% in the last year.
- The Revenue has been growing by 14.27% on average over the past years. This is quite good.
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
- Based on estimates for the next years, RJF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.71% on average per year.
- 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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
- With a Price/Earnings ratio of 16.14, RJF is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as RJF.
- 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.
- RJF's Price/Forward Earnings is on the same level as the industry average.
- RJF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.14 | ||
| Fwd PE | 14.06 |
4.2 Price Multiples
- RJF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RJF is cheaper than 89.50% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, RJF is valued a bit cheaper than the industry average as 70.17% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.04 | ||
| EV/EBITDA | 8.98 |
4.3 Compensation for Growth
- The 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%.
- RJF's Dividend Yield is slightly below the industry average, which is at 6.10.
- RJF's Dividend Yield is slightly below the S&P500 average, which is at 1.84.
| 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 paid a dividend for at least 10 years, which is 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
- RJF pays out 19.56% 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.
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%.