RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RJF - US7547301090 - Common Stock
167.83 USD
-3.95 (-2.3%)
167.83 USD
0 (0%)
RJF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. While RJF is still in line with the averages on profitability rating, there are concerns on its financial health. RJF is not valued too expensively and it also shows a decent growth rate.
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.
- Of the past 5 years RJF 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 2.41%, RJF perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
- RJF has a Return On Equity of 17.01%. This is amongst the best in the industry. RJF outperforms 81.09% of its industry peers.
- RJF has a Return On Invested Capital (2.79%) which 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
- With a Profit Margin value of 13.37%, RJF perfoms like the industry average, outperforming 45.38% of the companies in the same industry.
- RJF's Profit Margin has improved in the last couple of years.
- RJF has a Operating Margin of 17.41%. This is comparable to the rest of the industry: RJF outperforms 42.44% of its industry peers.
- RJF's Operating Margin has been stable in the last couple of years.
- The Gross Margin of RJF (86.03%) is better than 91.18% of its industry peers.
- In the last couple of years the Gross Margin of RJF has declined.
| 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
- The debt/assets ratio for RJF is higher compared to a year ago.
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.
- 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.
- With a Debt to FCF ratio value of 28.60, RJF perfoms like the industry average, 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.
- The Debt to Equity ratio of RJF (5.14) is worse than 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
- 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.
- With a Current ratio value of 0.28, RJF is not doing good in the industry: 81.93% of the companies in the same industry are doing better.
- A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
- RJF's Quick ratio of 0.28 is on the low side compared to the rest of the industry. RJF is outperformed by 81.93% 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.
- RJF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.21% yearly.
- RJF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.63%.
- 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)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.
- The Revenue is expected to grow by 7.37% on average over the next years.
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
- The Price/Earnings ratio is 15.77, which indicates a correct valuation of RJF.
- RJF's Price/Earnings ratio is in line with the industry average.
- RJF is valuated rather cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 13.73, the valuation of RJF can be described as correct.
- 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 23.94. RJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.77 | ||
| Fwd PE | 13.73 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RJF indicates a rather cheap valuation: RJF is cheaper than 89.50% of the companies listed in the same industry.
- RJF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RJF is cheaper than 70.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.7 | ||
| EV/EBITDA | 8.98 |
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)1.06
PEG (5Y)0.74
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.
- Compared to the average S&P500 Dividend Yield of 1.83, RJF is paying slightly less dividend.
| 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 been paying a dividend for at least 10 years, so it has 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 2Y13.66%
EPS Next 3Y15.21%
167.83
-3.95 (-2.3%)
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 Cap33.01B
Revenue(TTM)15.91B
Net Income(TTM)2.13B
Analysts70.59
Price Target188.25 (12.17%)
Short Float %4.11%
Short Ratio5.95
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 | 15.77 | ||
| Fwd PE | 13.73 | ||
| P/S | 2.07 | ||
| P/FCF | 14.7 | ||
| P/OCF | 13.56 | ||
| P/B | 2.64 | ||
| P/tB | 3.1 | ||
| EV/EBITDA | 8.98 |
EPS(TTM)10.64
EY6.34%
EPS(NY)12.22
Fwd EY7.28%
FCF(TTM)11.42
FCFY6.8%
OCF(TTM)12.38
OCFY7.37%
SpS80.91
BVpS63.57
TBVpS54.18
PEG (NY)1.06
PEG (5Y)0.74
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 15.77 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 4 / 10 and the dividend payout ratio is 19.56%.