RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
USA - NYSE:RJF - US7547301090 - Common Stock
174.815 USD
+4.75 (+2.79%)
Overall RJF gets a fundamental rating of 4 out of 10. We evaluated RJF against 237 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year RJF was profitable.
RJF had a positive operating cash flow in the past year.
In the past 5 years RJF has always been profitable.
RJF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RJF has a Return On Assets (2.51%) which is comparable to the rest of the industry.
RJF's Return On Equity of 17.33% is amongst the best of the industry. RJF outperforms 83.54% of its industry peers.
RJF has a worse Return On Invested Capital (2.89%) than 62.45% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for RJF is below the industry average of 7.61%.
The 3 year average ROIC (2.70%) for RJF is below the current ROIC(2.89%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROIC | 2.89% |
ROA(3y)2.18%
ROA(5y)2.11%
ROE(3y)16.81%
ROE(5y)15.79%
ROIC(3y)2.7%
ROIC(5y)2.83%
1.3 Margins
Looking at the Profit Margin, with a value of 13.51%, RJF is in line with its industry, outperforming 47.26% of the companies in the same industry.
In the last couple of years the Profit Margin of RJF has remained more or less at the same level.
Looking at the Operating Margin, with a value of 17.70%, RJF is doing worse than 60.76% of the companies in the same industry.
RJF's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 85.42%, RJF belongs to the best of the industry, outperforming 89.45% of the companies in the same industry.
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-1.98%
OM growth 5Y0.99%
PM growth 3Y-0.85%
PM growth 5Y1.41%
GM growth 3Y-4.48%
GM growth 5Y-2.34%
2. Health
2.1 Basic Checks
Compared to 1 year ago, RJF has less shares outstanding
The number of shares outstanding for RJF has been increased compared to 5 years ago.
RJF has a better debt/assets ratio than last year.
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.
The Altman-Z score of RJF (0.07) is worse than 73.00% 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 48.10% of the companies in the same industry.
RJF has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.98, RJF is not doing good in the industry: 85.65% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | 31.23 | ||
| Altman-Z | 0.07 |
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 84.81% 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 84.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
RJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.54%, which is quite good.
Measured over the past years, RJF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.29% on average per year.
Looking at the last year, RJF shows a quite strong growth in Revenue. The Revenue has grown by 8.94% in the last year.
The Revenue has been growing by 13.21% on average over the past years. This is quite good.
EPS 1Y (TTM)13.54%
EPS 3Y12.53%
EPS 5Y15.29%
EPS Q2Q%-8.79%
Revenue 1Y (TTM)8.94%
Revenue growth 3Y14.62%
Revenue growth 5Y13.21%
Sales Q2Q%5.27%
3.2 Future
The Earnings Per Share is expected to grow by 9.90% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.41% on average over the next years. This is quite good.
EPS Next Y3.36%
EPS Next 2Y8.03%
EPS Next 3Y8.88%
EPS Next 5Y9.9%
Revenue Next Year9.87%
Revenue Next 2Y8.98%
Revenue Next 3Y8.44%
Revenue Next 5Y8.41%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
RJF is valuated correctly with a Price/Earnings ratio of 16.68.
RJF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of RJF to the average of the S&P500 Index (27.20), we can say RJF is valued slightly cheaper.
The Price/Forward Earnings ratio is 14.91, which indicates a correct valuation of RJF.
RJF's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, RJF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.68 | ||
| Fwd PE | 14.91 |
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 89.03% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 61.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.84 | ||
| EV/EBITDA | 9.28 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.97
PEG (5Y)1.09
EPS Next 2Y8.03%
EPS Next 3Y8.88%
5. Dividend
5.1 Amount
RJF has a Yearly Dividend Yield of 1.17%.
Compared to an average industry Dividend Yield of 7.96, RJF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.38, RJF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
5.2 History
The dividend of RJF is nicely growing with an annual growth rate of 6.69%!
RJF has paid a dividend for at least 10 years, which is 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
19.25% 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.
DP19.25%
EPS Next 2Y8.03%
EPS Next 3Y8.88%
NYSE:RJF (9/18/2025, 12:42:33 PM)
174.815
+4.75 (+2.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.17%
Inst Owner Change-1.31%
Ins Owners0.52%
Ins Owner Change-0.06%
Market Cap34.85B
Analysts71.11
Price Target180.26 (3.11%)
Short Float %4.08%
Short Ratio7.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
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%
PT rev (3m)10.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.28%
EPS NY rev (1m)-1%
EPS NY rev (3m)-0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.2%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.68 | ||
| Fwd PE | 14.91 | ||
| P/S | 2.22 | ||
| P/FCF | 17.84 | ||
| P/OCF | 16.23 | ||
| P/B | 2.84 | ||
| P/tB | 3.35 | ||
| EV/EBITDA | 9.28 |
EPS(TTM)10.48
EY5.99%
EPS(NY)11.73
Fwd EY6.71%
FCF(TTM)9.8
FCFY5.61%
OCF(TTM)10.77
OCFY6.16%
SpS78.87
BVpS61.49
TBVpS52.16
PEG (NY)4.97
PEG (5Y)1.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 17.33% | ||
| ROCE | 17.1% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.3% | ||
| ROICexgc | 3.43% | ||
| OM | 17.7% | ||
| PM (TTM) | 13.51% | ||
| GM | 85.42% | ||
| FCFM | 12.43% |
ROA(3y)2.18%
ROA(5y)2.11%
ROE(3y)16.81%
ROE(5y)15.79%
ROIC(3y)2.7%
ROIC(5y)2.83%
ROICexc(3y)3.1%
ROICexc(5y)3.29%
ROICexgc(3y)3.24%
ROICexgc(5y)3.43%
ROCE(3y)16.29%
ROCE(5y)15.56%
ROICexcg growth 3Y-5.07%
ROICexcg growth 5Y-2.05%
ROICexc growth 3Y-5.21%
ROICexc growth 5Y-2.1%
OM growth 3Y-1.98%
OM growth 5Y0.99%
PM growth 3Y-0.85%
PM growth 5Y1.41%
GM growth 3Y-4.48%
GM growth 5Y-2.34%
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 | 0.07 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)94.04%
Cap/Depr(5y)88.31%
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.15%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.54%
EPS 3Y12.53%
EPS 5Y15.29%
EPS Q2Q%-8.79%
EPS Next Y3.36%
EPS Next 2Y8.03%
EPS Next 3Y8.88%
EPS Next 5Y9.9%
Revenue 1Y (TTM)8.94%
Revenue growth 3Y14.62%
Revenue growth 5Y13.21%
Sales Q2Q%5.27%
Revenue Next Year9.87%
Revenue Next 2Y8.98%
Revenue Next 3Y8.44%
Revenue Next 5Y8.41%
EBIT growth 1Y8.79%
EBIT growth 3Y12.35%
EBIT growth 5Y14.33%
EBIT Next Year-15.86%
EBIT Next 3Y-0.6%
EBIT Next 5Y4%
FCF growth 1Y122.75%
FCF growth 3Y-33.31%
FCF growth 5Y34.75%
OCF growth 1Y125.43%
OCF growth 3Y-31.3%
OCF growth 5Y30.15%