RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - NYSE:RJF - US7547301090 - Common Stock
156.12 USD
+0.34 (+0.22%)
We assign a fundamental rating of 4 out of 10 to RJF. RJF was compared to 237 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.
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.
RJF had positive earnings in each of the past 5 years.
In multiple years RJF reported negative operating cash flow during the last 5 years.
1.2 Ratios
RJF has a Return On Assets (2.51%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 17.33%, RJF belongs to the top of the industry, outperforming 84.39% of the companies in the same industry.
RJF has a Return On Invested Capital of 2.94%. This is comparable to the rest of the industry: RJF outperforms 43.04% of its industry peers.
| 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
The Profit Margin of RJF (13.51%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of RJF has grown nicely.
With a Operating Margin value of 17.70%, RJF perfoms like the industry average, outperforming 42.62% of the companies in the same industry.
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 89.87% of its industry peers.
RJF's Gross Margin has declined in the last couple of years.
| 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
RJF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
Based on the Altman-Z score of 0.05, we must say that RJF is in the distress zone and has some risk of bankruptcy.
RJF has a worse Altman-Z score (0.05) than 74.26% of its industry peers.
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.
With a Debt to FCF ratio value of 31.23, RJF perfoms like the industry average, outperforming 48.52% 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.
RJF's Debt to Equity ratio of 4.98 is on the low side compared to the rest of the industry. RJF is outperformed by 85.23% 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.
Looking at the Current ratio, with a value of 0.26, RJF is doing worse than 84.81% of the companies in the same industry.
A Quick Ratio of 0.26 indicates that RJF may have some problems paying 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 84.39% 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.
Looking at the last year, RJF shows a small growth in Revenue. The Revenue has grown by 6.63% 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)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 Y14.39%
EPS Next 2Y13.68%
EPS Next 3Y14.73%
EPS Next 5Y12.71%
Revenue Next Year11.35%
Revenue Next 2Y9.57%
Revenue Next 3Y9.44%
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
Based on the Price/Earnings ratio of 14.67, the valuation of RJF can be described as correct.
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 25.46.
A Price/Forward Earnings ratio of 12.83 indicates a correct valuation of RJF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RJF is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of RJF to the average of the S&P500 Index (35.39), we can say RJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.67 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
RJF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RJF is cheaper than 89.03% of the companies in the same industry.
60.76% 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 | 15.93 | ||
| EV/EBITDA | 8.32 |
4.3 Compensation for Growth
The 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 14.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.02
PEG (5Y)0.69
EPS Next 2Y13.68%
EPS Next 3Y14.73%
5. Dividend
5.1 Amount
RJF has a Yearly Dividend Yield of 1.24%. Purely for dividend investing, there may be better candidates out there.
RJF's Dividend Yield is slightly below the industry average, which is at 8.42.
With a Dividend Yield of 1.24, RJF pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.24% |
5.2 History
The dividend of RJF is nicely growing with an annual growth rate of 6.69%!
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)6.69%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
RJF pays out 19.25% of its income as dividend. This is a sustainable payout ratio.
RJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.25%
EPS Next 2Y13.68%
EPS Next 3Y14.73%
NYSE:RJF (11/19/2025, 2:58:18 PM)
156.12
+0.34 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.26%
Inst Owner Change-2.05%
Ins Owners0.52%
Ins Owner Change-0.48%
Market Cap31.13B
Revenue(TTM)15.91B
Net Income(TTM)2.13B
Analysts70.53
Price Target190.57 (22.07%)
Short Float %4.15%
Short Ratio6.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.24% |
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)5.18%
PT rev (3m)5.72%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)3.6%
EPS NY rev (3m)6.39%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)2.85%
Revenue NY rev (3m)3.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.67 | ||
| Fwd PE | 12.83 | ||
| P/S | 1.98 | ||
| P/FCF | 15.93 | ||
| P/OCF | 14.49 | ||
| P/B | 2.54 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | 8.32 |
EPS(TTM)10.64
EY6.82%
EPS(NY)12.17
Fwd EY7.8%
FCF(TTM)9.8
FCFY6.28%
OCF(TTM)10.77
OCFY6.9%
SpS78.87
BVpS61.49
TBVpS52.16
PEG (NY)1.02
PEG (5Y)0.69
Graham Number121.33
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 3Y14.73%
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 3Y9.44%
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 14.67 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%.