RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - NYSE:RJF - US7547301090 - Common Stock
162.44 USD
-2.64 (-1.6%)
162.44 USD
0 (0%)
Overall RJF gets a fundamental rating of 4 out of 10. We evaluated RJF against 236 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
In the past year RJF was profitable.
In the past year RJF had a positive cash flow from operations.
RJF had positive earnings in 4 of the past 5 years.
In multiple years RJF reported negative operating cash flow during the last 5 years.
1.2 Ratios
RJF has a Return On Assets (2.51%) which is comparable to the rest of the industry.
RJF has a better Return On Equity (17.33%) than 83.05% of its industry peers.
RJF has a Return On Invested Capital of 2.89%. This is comparable to the rest of the industry: RJF outperforms 40.68% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RJF is below the industry average of 7.57%.
The 3 year average ROIC (2.70%) for RJF is below the current ROIC(2.89%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROIC | 2.89% |
ROA(3y)2.18%
ROA(5y)2.11%
ROE(3y)16.81%
ROE(5y)15.79%
ROIC(3y)2.7%
ROIC(5y)2.83%
1.3 Margins
RJF has a Profit Margin (13.51%) which is in line with its industry peers.
In the last couple of years the Profit Margin of RJF has remained more or less at the same level.
RJF has a worse Operating Margin (17.70%) than 60.17% of its industry peers.
In the last couple of years the Operating Margin of RJF has remained more or less at the same level.
The Gross Margin of RJF (85.42%) is better than 90.25% of its industry peers.
In the last couple of years the Gross Margin of RJF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.7% | ||
| PM (TTM) | 13.51% | ||
| GM | 85.42% |
OM growth 3Y-1.98%
OM growth 5Y0.99%
PM growth 3Y-0.85%
PM growth 5Y1.41%
GM growth 3Y-4.48%
GM growth 5Y-2.34%
2. Health
2.1 Basic Checks
RJF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
RJF's Altman-Z score of 0.06 is on the low side compared to the rest of the industry. RJF is outperformed by 74.58% of its industry peers.
RJF has a debt to FCF ratio of 31.23. This is a negative value and a sign of low solvency as RJF would need 31.23 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 31.23, RJF is in line with its industry, outperforming 48.73% of the companies in the same industry.
RJF has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
RJF has a worse Debt to Equity ratio (4.98) than 86.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | 31.23 | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
RJF has a Current Ratio of 0.26. 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 Current ratio (0.26) than 85.59% of its industry peers.
RJF has a Quick Ratio of 0.26. This is a bad value and indicates that RJF is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of RJF (0.26) is worse than 85.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
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.
EPS 1Y (TTM)5.87%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%5.42%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.65%
3.2 Future
The Earnings Per Share is expected to grow by 10.93% on average over the next years. This is quite good.
RJF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.02% yearly.
EPS Next Y11.31%
EPS Next 2Y12.22%
EPS Next 3Y12.25%
EPS Next 5Y10.93%
Revenue Next Year8.83%
Revenue Next 2Y8.22%
Revenue Next 3Y8.26%
Revenue Next 5Y8.02%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.27, RJF is valued correctly.
RJF's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.91. RJF is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 13.72, which indicates a correct valuation of RJF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RJF is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.92. RJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 13.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaply inside the industry as 88.14% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 61.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.57 | ||
| EV/EBITDA | 8.95 |
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 12.25% in the coming years.
PEG (NY)1.35
PEG (5Y)0.72
EPS Next 2Y12.22%
EPS Next 3Y12.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.20%, RJF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 8.53, RJF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, RJF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
5.2 History
On average, the dividend of RJF grows each year by 6.69%, which is quite nice.
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)6.69%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
19.25% 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.
DP19.25%
EPS Next 2Y12.22%
EPS Next 3Y12.25%
162.44
-2.64 (-1.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.26%
Inst Owner Change0.01%
Ins Owners0.52%
Ins Owner Change-0.06%
Market Cap32.39B
Revenue(TTM)N/A
Net Income(TTM)2.13B
Analysts71.11
Price Target181.19 (11.54%)
Short Float %3.53%
Short Ratio5.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
Yearly Dividend1.86
Dividend Growth(5Y)6.69%
DP19.25%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.13%
Min EPS beat(2)-8.41%
Max EPS beat(2)-1.85%
EPS beat(4)2
Avg EPS beat(4)4.68%
Min EPS beat(4)-8.41%
Max EPS beat(4)21.01%
EPS beat(8)4
Avg EPS beat(8)2.19%
EPS beat(12)5
Avg EPS beat(12)-0.42%
EPS beat(16)7
Avg EPS beat(16)1.47%
Revenue beat(2)0
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-1.59%
Max Revenue beat(2)-0.21%
Revenue beat(4)2
Avg Revenue beat(4)0.58%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)3.25%
Revenue beat(8)3
Avg Revenue beat(8)-0.35%
Revenue beat(12)5
Avg Revenue beat(12)0.64%
Revenue beat(16)9
Avg Revenue beat(16)1.51%
PT rev (1m)0.51%
PT rev (3m)2.95%
EPS NQ rev (1m)4.44%
EPS NQ rev (3m)6.8%
EPS NY rev (1m)0.14%
EPS NY rev (3m)-0.86%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)3.39%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 13.72 | ||
| P/S | 2.06 | ||
| P/FCF | 16.57 | ||
| P/OCF | 15.08 | ||
| P/B | 2.64 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | 8.95 |
EPS(TTM)10.64
EY6.55%
EPS(NY)11.84
Fwd EY7.29%
FCF(TTM)9.8
FCFY6.03%
OCF(TTM)10.77
OCFY6.63%
SpS78.87
BVpS61.49
TBVpS52.16
PEG (NY)1.35
PEG (5Y)0.72
Graham Number121.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROCE | 17.1% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.3% | ||
| ROICexgc | 3.43% | ||
| OM | 17.7% | ||
| PM (TTM) | 13.51% | ||
| GM | 85.42% | ||
| FCFM | 12.43% |
ROA(3y)2.18%
ROA(5y)2.11%
ROE(3y)16.81%
ROE(5y)15.79%
ROIC(3y)2.7%
ROIC(5y)2.83%
ROICexc(3y)3.1%
ROICexc(5y)3.29%
ROICexgc(3y)3.24%
ROICexgc(5y)3.43%
ROCE(3y)16.29%
ROCE(5y)15.56%
ROICexgc growth 3Y-5.07%
ROICexgc growth 5Y-2.05%
ROICexc growth 3Y-5.21%
ROICexc growth 5Y-2.1%
OM growth 3Y-1.98%
OM growth 5Y0.99%
PM growth 3Y-0.85%
PM growth 5Y1.41%
GM growth 3Y-4.48%
GM growth 5Y-2.34%
F-Score8
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | 31.23 | ||
| Debt/EBITDA | 20.52 | ||
| Cap/Depr | 102.11% | ||
| Cap/Sales | 1.23% | ||
| Interest Coverage | 1.44 | ||
| Cash Conversion | 72.23% | ||
| Profit Quality | 91.95% | ||
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 0.06 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)94.04%
Cap/Depr(5y)88.31%
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.15%
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 Y11.31%
EPS Next 2Y12.22%
EPS Next 3Y12.25%
EPS Next 5Y10.93%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.65%
Revenue Next Year8.83%
Revenue Next 2Y8.22%
Revenue Next 3Y8.26%
Revenue Next 5Y8.02%
EBIT growth 1Y8.79%
EBIT growth 3Y12.35%
EBIT growth 5Y14.33%
EBIT Next Year-15.86%
EBIT Next 3Y-0.6%
EBIT Next 5Y4%
FCF growth 1Y122.75%
FCF growth 3Y-33.31%
FCF growth 5Y34.75%
OCF growth 1Y125.43%
OCF growth 3Y-31.3%
OCF growth 5Y30.15%
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 15.27 and the Price/Book (PB) ratio is 2.64.
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 19.25%.