RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RJF - US7547301090 - Common Stock
162.55 USD
-1.54 (-0.94%)
162.55 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to RJF. RJF was compared to 235 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 correct valuation and a medium growth rate. Finally RJF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RJF had positive earnings in the past year.
In the past year RJF had a positive cash flow from operations.
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 51.06% of its industry peers.
RJF's Return On Equity of 17.01% is amongst the best of the industry. RJF outperforms 81.70% 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 7.07%.
| 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 comparable to the rest of the industry.
RJF's Profit Margin has improved in the last couple of years.
RJF has a Operating Margin (17.41%) which is in line with its industry peers.
RJF's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 86.03%, RJF belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
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
Compared to 1 year ago, RJF has more shares outstanding
The number of shares outstanding for RJF has been increased compared to 5 years ago.
The debt/assets ratio for RJF is higher compared to a year ago.
2.2 Solvency
RJF has an Altman-Z score of 0.06. This is a bad value and indicates that RJF is not financially healthy and even has some risk of bankruptcy.
RJF has a Altman-Z score of 0.06. This is in the lower half of the industry: RJF underperforms 72.77% of its industry peers.
RJF has a debt to FCF ratio of 28.60. This is a negative value and a sign of low solvency as RJF would need 28.60 years to pay back of all of its debts.
RJF has a Debt to FCF ratio (28.60) which is in line with 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 84.68% 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
A Current Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
The Current ratio of RJF (0.28) is worse than 83.40% 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.
RJF has a worse Quick ratio (0.28) than 83.40% 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.
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 6.63%.
Measured over the past years, RJF shows a quite strong growth in Revenue. The Revenue has been growing by 14.27% on average per year.
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.
Based on estimates for the next years, RJF will show a small growth in Revenue. The Revenue will grow by 7.37% on average per year.
EPS Next Y14.85%
EPS Next 2Y13.66%
EPS Next 3Y15.21%
EPS Next 5Y12.71%
Revenue Next Year13.07%
Revenue Next 2Y9.64%
Revenue Next 3Y9.01%
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 15.28, RJF is valued correctly.
RJF's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of RJF to the average of the S&P500 Index (26.84), we can say RJF is valued slightly cheaper.
RJF is valuated correctly with a Price/Forward Earnings ratio of 13.30.
RJF's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.40. RJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.28 | ||
| Fwd PE | 13.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaper than 89.79% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RJF is valued a bit cheaper than 67.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.23 | ||
| EV/EBITDA | 8.47 |
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)1.03
PEG (5Y)0.72
EPS Next 2Y13.66%
EPS Next 3Y15.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.39%, RJF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.65, RJF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, RJF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.39% |
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%
162.55
-1.54 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.69%
Inst Owner Change-2%
Ins Owners0.52%
Ins Owner Change0.69%
Market Cap31.97B
Revenue(TTM)15.91B
Net Income(TTM)2.13B
Analysts71.11
Price Target188.19 (15.77%)
Short Float %4.23%
Short Ratio5.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.39% |
Yearly Dividend1.84
Dividend Growth(5Y)4.25%
DP19.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-1.29%
PT rev (3m)4.4%
EPS NQ rev (1m)-1.41%
EPS NQ rev (3m)4.02%
EPS NY rev (1m)0.39%
EPS NY rev (3m)4%
Revenue NQ rev (1m)0.44%
Revenue NQ rev (3m)5.29%
Revenue NY rev (1m)1.54%
Revenue NY rev (3m)4.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.28 | ||
| Fwd PE | 13.3 | ||
| P/S | 2.01 | ||
| P/FCF | 14.23 | ||
| P/OCF | 13.13 | ||
| P/B | 2.56 | ||
| P/tB | 3 | ||
| EV/EBITDA | 8.47 |
EPS(TTM)10.64
EY6.55%
EPS(NY)12.22
Fwd EY7.52%
FCF(TTM)11.42
FCFY7.03%
OCF(TTM)12.38
OCFY7.61%
SpS80.91
BVpS63.57
TBVpS54.18
PEG (NY)1.03
PEG (5Y)0.72
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 | 0.06 |
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)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 Year13.07%
Revenue Next 2Y9.64%
Revenue Next 3Y9.01%
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.
What is the valuation status for RJF stock?
ChartMill assigns a valuation rating of 5 / 10 to RAYMOND JAMES FINANCIAL INC (RJF). This can be considered as Fairly Valued.
Can you provide the profitability details for RAYMOND JAMES FINANCIAL INC?
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 15.28 and the Price/Book (PB) ratio is 2.56.
Is the dividend of RAYMOND JAMES FINANCIAL INC sustainable?
The dividend rating of RAYMOND JAMES FINANCIAL INC (RJF) is 7 / 10 and the dividend payout ratio is 19.56%.