RAYMOND JAMES FINANCIAL INC (RJF) Fundamental Analysis & Valuation

NYSE:RJF • US7547301090

Current stock price

141.32 USD
-2.88 (-2%)
At close:
141.32 USD
0 (0%)
After Hours:

This RJF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. RJF Profitability Analysis

1.1 Basic Checks

  • In the past year RJF was profitable.
  • RJF had a positive operating cash flow in the past year.
  • In the past 5 years RJF has always been profitable.
  • Of the past 5 years RJF 4 years had a positive operating cash flow.
RJF Yearly Net Income VS EBIT VS OCF VS FCFRJF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B

1.2 Ratios

  • The Return On Assets of RJF (2.35%) is comparable to the rest of the industry.
  • RJF has a better Return On Equity (16.63%) than 76.99% of its industry peers.
  • RJF's Return On Invested Capital of 2.73% is in line compared to the rest of the industry. RJF outperforms 41.42% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RJF is below the industry average of 7.28%.
Industry RankSector Rank
ROA 2.35%
ROE 16.63%
ROIC 2.73%
ROA(3y)2.37%
ROA(5y)2.24%
ROE(3y)17.19%
ROE(5y)16.89%
ROIC(3y)2.81%
ROIC(5y)2.88%
RJF Yearly ROA, ROE, ROICRJF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • RJF has a Profit Margin (13.02%) 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 of 17.13%. This is in the lower half of the industry: RJF underperforms 61.92% of its industry peers.
  • In the last couple of years the Operating Margin of RJF has remained more or less at the same level.
  • With an excellent Gross Margin value of 86.43%, RJF belongs to the best of the industry, outperforming 90.38% of the companies in the same industry.
  • In the last couple of years the Gross Margin of RJF has declined.
Industry RankSector Rank
OM 17.13%
PM (TTM) 13.02%
GM 86.43%
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%
RJF Yearly Profit, Operating, Gross MarginsRJF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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1

2. RJF Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for RJF has been reduced compared to 1 year ago.
  • RJF has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RJF is higher compared to a year ago.
RJF Yearly Shares OutstandingRJF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
RJF Yearly Total Debt VS Total AssetsRJF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • RJF has an Altman-Z score of 0.01. 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 (0.01) than 72.80% of its industry peers.
  • RJF has a debt to FCF ratio of 46.58. This is a negative value and a sign of low solvency as RJF would need 46.58 years to pay back of all of its debts.
  • RJF has a Debt to FCF ratio (46.58) which is comparable to the rest of the industry.
  • RJF has a Debt/Equity ratio of 5.19. This is a high value indicating a heavy dependency on external financing.
  • RJF has a Debt to Equity ratio of 5.19. This is amonst the worse of the industry: RJF underperforms 85.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Altman-Z 0.01
ROIC/WACCN/A
WACCN/A
RJF Yearly LT Debt VS Equity VS FCFRJF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

2.3 Liquidity

  • A Current Ratio of 0.25 indicates that RJF may have some problems paying its short term obligations.
  • RJF's Current ratio of 0.25 is on the low side compared to the rest of the industry. RJF is outperformed by 84.94% of its industry peers.
  • RJF has a Quick Ratio of 0.25. 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 Quick ratio of 0.25. This is amonst the worse of the industry: RJF underperforms 84.94% of its industry peers.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.25
RJF Yearly Current Assets VS Current LiabilitesRJF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. RJF Growth Analysis

3.1 Past

  • The earnings per share for RJF have decreased by -0.09% in the last 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 3.98% 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)-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.
  • The Revenue is expected to grow by 6.59% on average over the next years.
EPS Next Y14.88%
EPS Next 2Y13.95%
EPS Next 3Y16.34%
EPS Next 5Y9.72%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
Revenue Next 5Y6.59%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
RJF Yearly Revenue VS EstimatesRJF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B
RJF Yearly EPS VS EstimatesRJF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15 20

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6

4. RJF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.37 indicates a correct valuation of RJF.
  • RJF's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 24.88. RJF is valued slightly cheaper when compared to this.
  • RJF is valuated reasonably with a Price/Forward Earnings ratio of 10.23.
  • 64.44% of the companies in the same industry are more expensive than RJF, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, RJF is valued rather cheaply.
Industry RankSector Rank
PE 13.37
Fwd PE 10.23
RJF Price Earnings VS Forward Price EarningsRJF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaper than 89.12% of the companies in the same industry.
  • RJF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RJF is cheaper than 62.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.88
EV/EBITDA 7.72
RJF Per share dataRJF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • RJF's earnings are expected to grow with 16.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)0.63
EPS Next 2Y13.95%
EPS Next 3Y16.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. RJF Dividend Analysis

5.1 Amount

  • RJF has a Yearly Dividend Yield of 1.51%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 6.73, RJF is paying slightly less dividend.
  • RJF's Dividend Yield is slightly below the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

  • On average, the dividend of RJF grows each year by 6.81%, 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)6.81%
Div Incr Years1
Div Non Decr Years1
RJF Yearly Dividends per shareRJF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • RJF pays out 20.24% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of RJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.24%
EPS Next 2Y13.95%
EPS Next 3Y16.34%
RJF Yearly Income VS Free CF VS DividendRJF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B
RJF Dividend Payout.RJF Dividend Payout, showing the Payout Ratio.RJF Dividend Payout.PayoutRetained Earnings

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RJF Fundamentals: All Metrics, Ratios and Statistics

RAYMOND JAMES FINANCIAL INC

NYSE:RJF (3/27/2026, 8:04:00 PM)

After market: 141.32 0 (0%)

141.32

-2.88 (-2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.44%
Inst Owner Change-0.25%
Ins Owners0.52%
Ins Owner Change0.42%
Market Cap27.85B
Revenue(TTM)16.05B
Net Income(TTM)2.09B
Analysts71.11
Price Target189.31 (33.96%)
Short Float %5.2%
Short Ratio6.52
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend2.07
Dividend Growth(5Y)6.81%
DP20.24%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-01
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.76%
Min EPS beat(2)-1.55%
Max EPS beat(2)9.08%
EPS beat(4)1
Avg EPS beat(4)-0.68%
Min EPS beat(4)-8.41%
Max EPS beat(4)9.08%
EPS beat(8)4
Avg EPS beat(8)3.41%
EPS beat(12)5
Avg EPS beat(12)0.01%
EPS beat(16)6
Avg EPS beat(16)-0.49%
Revenue beat(2)1
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-3.84%
Max Revenue beat(2)1.8%
Revenue beat(4)1
Avg Revenue beat(4)-0.96%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)1.8%
Revenue beat(8)3
Avg Revenue beat(8)-0.37%
Revenue beat(12)4
Avg Revenue beat(12)-0.63%
Revenue beat(16)8
Avg Revenue beat(16)0.63%
PT rev (1m)0%
PT rev (3m)-0.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.56%
EPS NY rev (1m)0.36%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.02%
Valuation
Industry RankSector Rank
PE 13.37
Fwd PE 10.23
P/S 1.74
P/FCF 19.88
P/OCF 17.47
P/B 2.22
P/tB 2.6
EV/EBITDA 7.72
EPS(TTM)10.57
EY7.48%
EPS(NY)13.81
Fwd EY9.78%
FCF(TTM)7.11
FCFY5.03%
OCF(TTM)8.09
OCFY5.72%
SpS81.45
BVpS63.78
TBVpS54.45
PEG (NY)0.9
PEG (5Y)0.63
Graham Number123.16
Profitability
Industry RankSector Rank
ROA 2.35%
ROE 16.63%
ROCE 15.4%
ROIC 2.73%
ROICexc 3.13%
ROICexgc 3.25%
OM 17.13%
PM (TTM) 13.02%
GM 86.43%
FCFM 8.73%
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-Score4
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Debt/EBITDA 22.14
Cap/Depr 97.97%
Cap/Sales 1.2%
Interest Coverage 1.55
Cash Conversion 54.09%
Profit Quality 67.03%
Current Ratio 0.25
Quick Ratio 0.25
Altman-Z 0.01
F-Score4
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 Y14.88%
EPS Next 2Y13.95%
EPS Next 3Y16.34%
EPS Next 5Y9.72%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
Revenue Next 5Y6.59%
EBIT growth 1Y-2.24%
EBIT growth 3Y8.49%
EBIT growth 5Y15.67%
EBIT Next Year3.77%
EBIT Next 3Y10.11%
EBIT Next 5Y9.01%
FCF growth 1Y4619.35%
FCF growth 3YN/A
FCF growth 5Y-10.59%
OCF growth 1Y866.06%
OCF growth 3Y223.34%
OCF growth 5Y-9.7%

RAYMOND JAMES FINANCIAL INC / RJF Fundamental Analysis 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 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 13.37 and the Price/Book (PB) ratio is 2.22.


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 20.24%.