RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis
NYSE:RJF • US7547301090
155.48 USD
+2.35 (+1.53%)
At close: Feb 24, 2026
155.48 USD
0 (0%)
After Hours: 2/24/2026, 8:04:00 PM
Taking everything into account, RJF scores 4 out of 10 in our fundamental rating. RJF was compared to 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- RJF had positive earnings in the past year.
- 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.
1.2 Ratios
- The Return On Assets of RJF (2.35%) is comparable to the rest of the industry.
- The Return On Equity of RJF (16.63%) is better than 80.67% of its industry peers.
- The Return On Invested Capital of RJF (2.73%) is comparable to the rest of the industry.
- RJF had an Average Return On Invested Capital over the past 3 years of 2.81%. This is below the industry average of 7.31%.
| Industry Rank | Sector 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%
1.3 Margins
- RJF's Profit Margin of 13.02% is in line compared to the rest of the industry. RJF outperforms 43.70% 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 perfoms like the industry average, outperforming 41.60% 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 86.43%, RJF belongs to the best of the industry, outperforming 91.18% of the companies in the same industry.
- In the last couple of years the Gross Margin of RJF has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- RJF has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, RJF has more shares outstanding
- Compared to 1 year ago, RJF has a worse debt to assets ratio.
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 Altman-Z score of 0.03. This is in the lower half of the industry: RJF underperforms 72.27% 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 52.94% of its industry peers.
- A Debt/Equity ratio of 5.19 is on the high side and indicates that RJF has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 5.19, RJF is doing worse than 84.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.19 | ||
| Debt/FCF | 46.58 | ||
| Altman-Z | 0.03 |
ROIC/WACCN/A
WACCN/A
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.
- Looking at the Current ratio, with a value of 0.25, RJF is doing worse than 84.03% of the companies in the same industry.
- RJF has a Quick 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 Quick ratio of RJF (0.25) is worse than 84.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
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.
- 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)-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.
- RJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
Revenue Next 5Y6.59%
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
- The Price/Earnings ratio is 14.71, which indicates a correct valuation of RJF.
- RJF's Price/Earnings is on the same level as the industry average.
- RJF is valuated rather cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.09, which indicates a very decent valuation of RJF.
- RJF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RJF is cheaper than 65.13% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of RJF to the average of the S&P500 Index (28.01), we can say RJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.71 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, RJF is valued cheaply inside the industry as 89.92% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 61.76% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.87 | ||
| EV/EBITDA | 8.47 |
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 16.32% in the coming years.
PEG (NY)1.02
PEG (5Y)0.69
EPS Next 2Y14.8%
EPS Next 3Y16.32%
5. Dividend
5.1 Amount
- RJF has a Yearly Dividend Yield of 1.37%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 6.17, RJF is paying slightly less dividend.
- RJF's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- On average, the dividend of RJF grows each year by 6.81%, 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)6.81%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- RJF pays out 20.24% of its income as dividend. This is a sustainable payout ratio.
- The dividend of RJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.24%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
155.48
+2.35 (+1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners79.65%
Inst Owner Change-0.15%
Ins Owners0.58%
Ins Owner Change0.53%
Market Cap30.64B
Revenue(TTM)16.05B
Net Income(TTM)2.09B
Analysts71.11
Price Target189.31 (21.76%)
Short Float %4.26%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly Dividend2.07
Dividend Growth(5Y)6.81%
DP20.24%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-02 2026-01-02 (0.54)
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)0.57%
PT rev (3m)-0.7%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-1.55%
EPS NY rev (1m)0.15%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)-1.43%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.71 | ||
| Fwd PE | 11.09 | ||
| P/S | 1.91 | ||
| P/FCF | 21.87 | ||
| P/OCF | 19.22 | ||
| P/B | 2.44 | ||
| P/tB | 2.86 | ||
| EV/EBITDA | 8.47 |
EPS(TTM)10.57
EY6.8%
EPS(NY)14.02
Fwd EY9.02%
FCF(TTM)7.11
FCFY4.57%
OCF(TTM)8.09
OCFY5.2%
SpS81.45
BVpS63.78
TBVpS54.45
PEG (NY)1.02
PEG (5Y)0.69
Graham Number123.16
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y9.72%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year14.18%
Revenue Next 2Y11.16%
Revenue Next 3Y9.73%
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 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 14.71 and the Price/Book (PB) ratio is 2.44.
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 20.24%.