RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:RJF • US7547301090

158.48 USD
-15.19 (-8.75%)
At close: Feb 10, 2026
158.48 USD
0 (0%)
After Hours: 2/10/2026, 7:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

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.
  • 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.
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

  • RJF has a Return On Assets (2.41%) which is comparable to the rest of the industry.
  • The Return On Equity of RJF (17.01%) is better than 81.09% of its industry peers.
  • RJF's Return On Invested Capital of 2.79% is in line compared to the rest of the industry. RJF outperforms 40.76% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RJF is below the industry average of 7.26%.
Industry RankSector 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%
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 (13.37%) 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 of 17.41%. This is comparable to the rest of the industry: RJF outperforms 42.44% 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 (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 RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, RJF has more shares outstanding
  • 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

  • Based on the Altman-Z score of 0.08, we must say that RJF is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of RJF (0.08) is worse than 71.85% 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.
  • RJF has a Debt to FCF ratio (28.60) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 5.14 is on the high side and indicates that RJF has dependencies on debt financing.
  • RJF has a worse Debt to Equity ratio (5.14) than 83.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.14
Debt/FCF 28.6
Altman-Z 0.08
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

  • 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.
  • RJF's Current ratio of 0.28 is on the low side compared to the rest of the industry. RJF is outperformed by 81.51% of its industry peers.
  • A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.28, RJF is not doing good in the industry: 81.51% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.28
Quick Ratio 0.28
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

5

3. Growth

3.1 Past

  • RJF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.09%.
  • RJF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.21% yearly.
  • The Revenue has been growing slightly by 3.98% in the past 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 12.71% on average per year.
  • The Revenue is expected to grow by 7.37% on average over the next years.
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y12.71%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
Revenue Next 5Y7.37%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.99, which indicates a correct valuation of RJF.
  • RJF's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, RJF is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 11.30, the valuation of RJF can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 60.92% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.97. RJF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.99
Fwd PE 11.3
RJF Price Earnings VS Forward Price EarningsRJF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 70.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.88
EV/EBITDA 9.1
RJF Per share dataRJF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • RJF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • RJF's earnings are expected to grow with 16.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.04
PEG (5Y)0.71
EPS Next 2Y14.8%
EPS Next 3Y16.32%

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

4

5. Dividend

5.1 Amount

  • RJF has a Yearly Dividend Yield of 1.29%.
  • RJF's Dividend Yield is slightly below the industry average, which is at 6.12.
  • RJF's Dividend Yield is slightly below the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.29%

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.
  • The dividend of RJF decreased recently.
Dividend Growth(5Y)4.25%
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

  • 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 2Y14.8%
EPS Next 3Y16.32%
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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Find the best dividend stocksShow peers with best dividend

RAYMOND JAMES FINANCIAL INC

NYSE:RJF (2/10/2026, 7:00:00 PM)

After market: 158.48 0 (0%)

158.48

-15.19 (-8.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.65%
Inst Owner Change-0.46%
Ins Owners0.58%
Ins Owner Change0.52%
Market Cap31.17B
Revenue(TTM)16.05B
Net Income(TTM)2.13B
Analysts70.59
Price Target189.31 (19.45%)
Short Float %4.39%
Short Ratio6.09
Dividend
Industry RankSector Rank
Dividend Yield 1.29%
Yearly Dividend1.84
Dividend Growth(5Y)4.25%
DP19.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-02
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)0.6%
PT rev (3m)-0.66%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)-0.94%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)1.76%
Revenue NY rev (3m)3.33%
Valuation
Industry RankSector Rank
PE 14.99
Fwd PE 11.3
P/S 1.96
P/FCF 13.88
P/OCF 12.81
P/B 2.49
P/tB 2.92
EV/EBITDA 9.1
EPS(TTM)10.57
EY6.67%
EPS(NY)14.02
Fwd EY8.85%
FCF(TTM)11.42
FCFY7.21%
OCF(TTM)12.38
OCFY7.81%
SpS80.91
BVpS63.57
TBVpS54.18
PEG (NY)1.04
PEG (5Y)0.71
Graham Number122.96
Profitability
Industry RankSector 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 RankSector 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 0.08
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)-0.09%
EPS 3Y13.07%
EPS 5Y21.21%
EPS Q2Q%-2.39%
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y12.71%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
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 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 14.99 and the Price/Book (PB) ratio is 2.49.


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%.