RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RJF - US7547301090 - Common Stock
157.035 USD
+1.4 (+0.9%)
Overall RJF gets a fundamental rating of 4 out of 10. We evaluated RJF against 238 industry peers in the Capital Markets industry. There are concerns on the financial health of RJF while its profitability can be described as average. RJF has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
RJF had positive earnings in the past year.
In the past year RJF had a positive cash flow from operations.
Each year in the past 5 years RJF has been profitable.
The reported operating cash flow has been mixed in the past 5 years: RJF reported negative operating cash flow in multiple years.
1.2 Ratios
RJF's Return On Assets of 2.51% is in line compared to the rest of the industry. RJF outperforms 50.00% of its industry peers.
With an excellent Return On Equity value of 17.33%, RJF belongs to the best of the industry, outperforming 84.03% of the companies in the same industry.
RJF has a Return On Invested Capital (2.94%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROIC | 2.94% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 13.51%, RJF is in line with its industry, outperforming 48.32% of the companies in the same industry.
In the last couple of years the Profit Margin of RJF has grown nicely.
RJF has a Operating Margin of 17.70%. This is comparable to the rest of the industry: RJF outperforms 42.86% 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 90.34% 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-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
There is no outstanding debt for RJF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
RJF has an Altman-Z score of 0.05. This is a bad value and indicates that RJF is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.05, RJF is not doing good in the industry: 74.37% of the companies in the same industry are doing better.
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 48.74% of the companies in the same industry.
A Debt/Equity ratio of 4.98 is on the high side and indicates that RJF has dependencies on debt financing.
The Debt to Equity ratio of RJF (4.98) is worse than 85.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | 31.23 | ||
| Altman-Z | 0.05 |
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 84.87% 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.
RJF's Quick ratio of 0.26 is on the low side compared to the rest of the industry. RJF is outperformed by 84.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
RJF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.87%.
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.
The Revenue has been growing slightly by 6.63% in the past year.
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
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.
Based on estimates for the next years, RJF will show a small growth in Revenue. The Revenue will grow by 7.37% on average per year.
EPS Next Y14.39%
EPS Next 2Y13.68%
EPS Next 3Y15.08%
EPS Next 5Y12.71%
Revenue Next Year11.35%
Revenue Next 2Y9.57%
Revenue Next 3Y9.57%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.76 indicates a correct valuation of RJF.
RJF's Price/Earnings ratio is in line with the industry average.
RJF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 12.90, the valuation of RJF can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as RJF.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.22, RJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.76 | ||
| Fwd PE | 12.9 |
4.2 Price Multiples
RJF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RJF is cheaper than 90.34% of the companies in the same industry.
61.34% of the companies in the same industry are more expensive than RJF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.92 | ||
| EV/EBITDA | 8.25 |
4.3 Compensation for Growth
The 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 15.08% in the coming years.
PEG (NY)1.03
PEG (5Y)0.7
EPS Next 2Y13.68%
EPS Next 3Y15.08%
5. Dividend
5.1 Amount
RJF has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 8.39, RJF is paying slightly less dividend.
With a Dividend Yield of 1.28, RJF pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
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.
The dividend of RJF decreased 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.
The dividend of RJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.25%
EPS Next 2Y13.68%
EPS Next 3Y15.08%
NYSE:RJF (12/3/2025, 12:04:56 PM)
157.035
+1.4 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.26%
Inst Owner Change-2.02%
Ins Owners0.52%
Ins Owner Change-0.01%
Market Cap31.11B
Revenue(TTM)15.91B
Net Income(TTM)2.13B
Analysts70.53
Price Target190.66 (21.41%)
Short Float %4.06%
Short Ratio5.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
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)0.04%
PT rev (3m)5.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)2.77%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)2.32%
Revenue NY rev (3m)3.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.76 | ||
| Fwd PE | 12.9 | ||
| P/S | 1.98 | ||
| P/FCF | 15.92 | ||
| P/OCF | 14.48 | ||
| P/B | 2.54 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | 8.25 |
EPS(TTM)10.64
EY6.78%
EPS(NY)12.17
Fwd EY7.75%
FCF(TTM)9.86
FCFY6.28%
OCF(TTM)10.84
OCFY6.9%
SpS79.38
BVpS61.88
TBVpS52.49
PEG (NY)1.03
PEG (5Y)0.7
Graham Number121.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROCE | 17.1% | ||
| ROIC | 2.94% | ||
| ROICexc | 3.35% | ||
| ROICexgc | 3.48% | ||
| OM | 17.7% | ||
| PM (TTM) | 13.51% | ||
| GM | 85.42% | ||
| FCFM | 12.43% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-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 | 0.05 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y14.39%
EPS Next 2Y13.68%
EPS Next 3Y15.08%
EPS Next 5Y12.71%
Revenue 1Y (TTM)6.63%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%7.65%
Revenue Next Year11.35%
Revenue Next 2Y9.57%
Revenue Next 3Y9.57%
Revenue Next 5Y7.37%
EBIT growth 1Y8.79%
EBIT growth 3Y8.49%
EBIT growth 5Y15.67%
EBIT Next Year5.83%
EBIT Next 3Y10.83%
EBIT Next 5Y9.54%
FCF growth 1Y4.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.32%
OCF growth 3YN/A
OCF growth 5YN/A
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 14.76 and the Price/Book (PB) ratio is 2.54.
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%.