RAYMOND JAMES FINANCIAL INC (RJF) Fundamental Analysis & Valuation

NYSE:RJF • US7547301090

Current stock price

153.92 USD
+1.68 (+1.1%)
Last:

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.
  • 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.
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 of 2.35%. This is comparable to the rest of the industry: RJF outperforms 49.17% of its industry peers.
  • With a decent Return On Equity value of 16.63%, RJF is doing good in the industry, outperforming 76.67% of the companies in the same industry.
  • RJF has a Return On Invested Capital (2.73%) which is comparable to the rest of the industry.
  • 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 of 13.02%. This is comparable to the rest of the industry: RJF outperforms 45.42% of its industry peers.
  • In the last couple of years the Profit Margin of RJF has grown nicely.
  • With a Operating Margin value of 17.13%, RJF is not doing good in the industry: 62.92% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of RJF has remained more or less at the same level.
  • RJF's Gross Margin of 86.43% is amongst the best of the industry. RJF outperforms 90.42% of its industry peers.
  • RJF's Gross Margin has declined in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. RJF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, RJF has less shares outstanding
  • Compared to 5 years ago, RJF has more shares outstanding
  • RJF has a worse debt/assets ratio than last year.
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 0.03. 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 (0.03) than 73.33% 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's Debt to FCF ratio of 46.58 is in line compared to the rest of the industry. RJF outperforms 50.00% of its industry peers.
  • RJF has a Debt/Equity ratio of 5.19. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.19, RJF is not doing good in the industry: 85.42% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.19
Debt/FCF 46.58
Altman-Z 0.03
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 0.25. This is a bad value and indicates that RJF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of RJF (0.25) is worse than 85.42% of its industry peers.
  • A Quick Ratio of 0.25 indicates that RJF may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.25, RJF is doing worse than 85.42% of the companies in the same industry.
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

  • RJF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.09%.
  • 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 3.98%.
  • 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

  • The Earnings Per Share is expected to grow by 9.72% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.59% on average over the next years.
EPS Next Y14.24%
EPS Next 2Y13.63%
EPS Next 3Y16.34%
EPS Next 5Y9.72%
Revenue Next Year12.66%
Revenue Next 2Y10.18%
Revenue Next 3Y8.82%
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.
  • 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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5

4. RJF Valuation Analysis

4.1 Price/Earnings Ratio

  • RJF is valuated correctly with a Price/Earnings ratio of 14.56.
  • The rest of the industry has a similar Price/Earnings ratio as RJF.
  • The average S&P500 Price/Earnings ratio is at 27.95. RJF is valued slightly cheaper when compared to this.
  • RJF is valuated reasonably with a Price/Forward Earnings ratio of 11.20.
  • Based on the Price/Forward Earnings ratio, RJF is valued a bit cheaper than 63.33% of the companies in the same industry.
  • RJF is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.56
Fwd PE 11.2
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

  • Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaply inside the industry as 89.17% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as RJF.
Industry RankSector Rank
P/FCF 21.65
EV/EBITDA 8.26
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.
  • A more expensive valuation may be justified as RJF's earnings are expected to grow with 16.34% in the coming years.
PEG (NY)1.02
PEG (5Y)0.69
EPS Next 2Y13.63%
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 1.43%. Purely for dividend investing, there may be better candidates out there.
  • RJF's Dividend Yield is slightly below the industry average, which is at 6.47.
  • Compared to the average S&P500 Dividend Yield of 1.81, RJF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.43%

5.2 History

  • On average, the dividend of RJF grows each year by 6.81%, which is quite nice.
  • 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)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

  • 20.24% 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.
DP20.24%
EPS Next 2Y13.63%
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 (4/21/2026, 2:05:24 PM)

153.92

+1.68 (+1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.3%
Inst Owner Change0.02%
Ins Owners0.5%
Ins Owner Change0.42%
Market Cap30.34B
Revenue(TTM)16.05B
Net Income(TTM)2.09B
Analysts71.11
Price Target180.44 (17.23%)
Short Float %5.05%
Short Ratio6.19
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
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)-4.69%
PT rev (3m)-4.15%
EPS NQ rev (1m)-3.4%
EPS NQ rev (3m)-5.02%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-2.18%
Revenue NY rev (1m)-1.33%
Revenue NY rev (3m)-1.26%
Valuation
Industry RankSector Rank
PE 14.56
Fwd PE 11.2
P/S 1.89
P/FCF 21.65
P/OCF 19.03
P/B 2.41
P/tB 2.83
EV/EBITDA 8.26
EPS(TTM)10.57
EY6.87%
EPS(NY)13.74
Fwd EY8.92%
FCF(TTM)7.11
FCFY4.62%
OCF(TTM)8.09
OCFY5.25%
SpS81.45
BVpS63.78
TBVpS54.45
PEG (NY)1.02
PEG (5Y)0.69
Graham Number123.158 (-19.99%)
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 0.03
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 Y14.24%
EPS Next 2Y13.63%
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 Year12.66%
Revenue Next 2Y10.18%
Revenue Next 3Y8.82%
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.


What is the valuation status of RAYMOND JAMES FINANCIAL INC (RJF) stock?

ChartMill assigns a valuation rating of 5 / 10 to RAYMOND JAMES FINANCIAL INC (RJF). This can be considered as Fairly Valued.


What is the profitability of RJF stock?

RAYMOND JAMES FINANCIAL INC (RJF) has a profitability rating of 5 / 10.


What are the PE and PB ratios of RAYMOND JAMES FINANCIAL INC (RJF) stock?

The Price/Earnings (PE) ratio for RAYMOND JAMES FINANCIAL INC (RJF) is 14.56 and the Price/Book (PB) ratio is 2.41.


How sustainable is the dividend of RAYMOND JAMES FINANCIAL INC (RJF) stock?

The dividend rating of RAYMOND JAMES FINANCIAL INC (RJF) is 5 / 10 and the dividend payout ratio is 20.24%.