RAYMOND JAMES FINANCIAL INC (RJF) Stock Fundamental Analysis

NYSE:RJF • US7547301090

158.68 USD
+1.27 (+0.81%)
At close: Feb 13, 2026
158.74 USD
+0.06 (+0.04%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

RJF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year RJF was profitable.
  • In the past year RJF had a positive cash flow from operations.
  • In the past 5 years RJF has always been profitable.
  • Of the past 5 years RJF 4 years had a positive operating cash flow.
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's Return On Assets of 2.41% is in line compared to the rest of the industry. RJF outperforms 46.64% of its industry peers.
  • The Return On Equity of RJF (17.01%) is better than 81.09% of its industry peers.
  • RJF's Return On Invested Capital of 2.79% is in line compared to the rest of the industry. RJF outperforms 41.18% of its industry peers.
  • RJF had an Average Return On Invested Capital over the past 3 years of 2.81%. This is below the industry average of 7.23%.
Industry RankSector Rank
ROA 2.41%
ROE 17.01%
ROIC 2.79%
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

  • Looking at the Profit Margin, with a value of 13.37%, RJF is in line with its industry, outperforming 45.38% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RJF has grown nicely.
  • The Operating Margin of RJF (17.41%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of RJF has remained more or less at the same level.
  • RJF has a Gross Margin of 86.03%. This is amongst the best in the industry. RJF outperforms 91.18% of its industry peers.
  • In the last couple of years the Gross Margin of RJF has declined.
Industry RankSector Rank
OM 17.41%
PM (TTM) 13.37%
GM 86.03%
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

0

2. Health

2.1 Basic Checks

  • The number of shares outstanding for RJF has been increased compared to 1 year ago.
  • The number of shares outstanding for RJF has been increased compared to 5 years ago.
  • 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 0.05. This is a bad value and indicates that RJF is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.05, RJF is doing worse than 71.85% of the companies in the same industry.
  • RJF has a debt to FCF ratio of 28.60. This is a negative value and a sign of low solvency as RJF would need 28.60 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 28.60, RJF is in line with its industry, outperforming 55.04% of the companies in the same industry.
  • RJF has a Debt/Equity ratio of 5.14. This is a high value indicating a heavy dependency on external financing.
  • RJF's Debt to Equity ratio of 5.14 is on the low side compared to the rest of the industry. RJF is outperformed by 83.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.14
Debt/FCF 28.6
Altman-Z 0.05
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

  • A Current Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
  • RJF has a worse Current ratio (0.28) than 81.09% of its industry peers.
  • A Quick Ratio of 0.28 indicates that RJF may have some problems paying its short term obligations.
  • RJF has a Quick ratio of 0.28. This is amonst the worse of the industry: RJF underperforms 81.09% of its industry peers.
Industry RankSector Rank
Current Ratio 0.28
Quick Ratio 0.28
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

5

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%.
  • The Earnings Per Share has been growing by 21.21% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 3.98% in the past year.
  • 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

  • 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.
  • The Revenue is expected to grow by 7.37% on average over the next years.
EPS Next Y14.46%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
EPS Next 5Y12.71%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.01, which indicates a correct valuation of RJF.
  • RJF's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, RJF is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 11.32, the valuation of RJF can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RJF indicates a somewhat cheap valuation: RJF is cheaper than 63.87% of the companies listed in the same industry.
  • RJF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 15.01
Fwd PE 11.32
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

  • RJF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RJF is cheaper than 89.92% of the companies in the same industry.
  • 71.43% of the companies in the same industry are more expensive than RJF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 13.89
EV/EBITDA 8.02
RJF Per share dataRJF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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 16.32% in the coming years.
PEG (NY)1.04
PEG (5Y)0.71
EPS Next 2Y14.8%
EPS Next 3Y16.32%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • RJF has a Yearly Dividend Yield of 1.29%. Purely for dividend investing, there may be better candidates out there.
  • RJF's Dividend Yield is slightly below the industry average, which is at 6.15.
  • Compared to the average S&P500 Dividend Yield of 1.79, RJF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.29%

5.2 History

  • The dividend of RJF has a limited annual growth rate of 4.25%.
  • 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)4.25%
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

  • 19.56% 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.
DP19.56%
EPS Next 2Y14.8%
EPS Next 3Y16.32%
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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Find the best dividend stocksShow peers with best dividend

RAYMOND JAMES FINANCIAL INC

NYSE:RJF (2/13/2026, 8:04:00 PM)

After market: 158.74 +0.06 (+0.04%)

158.68

+1.27 (+0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.65%
Inst Owner Change-0.46%
Ins Owners0.58%
Ins Owner Change0.52%
Market Cap31.21B
Revenue(TTM)16.05B
Net Income(TTM)2.13B
Analysts70.59
Price Target189.31 (19.3%)
Short Float %4.39%
Short Ratio6.09
Dividend
Industry RankSector Rank
Dividend Yield 1.29%
Yearly Dividend1.84
Dividend Growth(5Y)4.25%
DP19.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.33%
Min EPS beat(2)-8.41%
Max EPS beat(2)9.08%
EPS beat(4)2
Avg EPS beat(4)1.69%
Min EPS beat(4)-8.41%
Max EPS beat(4)9.08%
EPS beat(8)5
Avg EPS beat(8)4.26%
EPS beat(12)5
Avg EPS beat(12)0.09%
EPS beat(16)7
Avg EPS beat(16)0.81%
Revenue beat(2)1
Avg Revenue beat(2)0.8%
Min Revenue beat(2)-0.21%
Max Revenue beat(2)1.8%
Revenue beat(4)2
Avg Revenue beat(4)0.22%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)1.8%
Revenue beat(8)3
Avg Revenue beat(8)-0.22%
Revenue beat(12)5
Avg Revenue beat(12)0.13%
Revenue beat(16)9
Avg Revenue beat(16)1.22%
PT rev (1m)0.6%
PT rev (3m)-0.66%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)-0.94%
Revenue NQ rev (3m)-0.51%
Revenue NY rev (1m)1.76%
Revenue NY rev (3m)3.33%
Valuation
Industry RankSector Rank
PE 15.01
Fwd PE 11.32
P/S 1.96
P/FCF 13.89
P/OCF 12.82
P/B 2.5
P/tB 2.93
EV/EBITDA 8.02
EPS(TTM)10.57
EY6.66%
EPS(NY)14.02
Fwd EY8.84%
FCF(TTM)11.42
FCFY7.2%
OCF(TTM)12.38
OCFY7.8%
SpS80.91
BVpS63.57
TBVpS54.18
PEG (NY)1.04
PEG (5Y)0.71
Graham Number122.96
Profitability
Industry RankSector Rank
ROA 2.41%
ROE 17.01%
ROCE 15.56%
ROIC 2.79%
ROICexc 3.27%
ROICexgc 3.4%
OM 17.41%
PM (TTM) 13.37%
GM 86.03%
FCFM 14.12%
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-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 5.14
Debt/FCF 28.6
Debt/EBITDA 21.66
Cap/Depr 96.41%
Cap/Sales 1.18%
Interest Coverage 1.49
Cash Conversion 82.09%
Profit Quality 105.6%
Current Ratio 0.28
Quick Ratio 0.28
Altman-Z 0.05
F-Score6
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 5Y12.71%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y12.06%
Revenue growth 5Y14.27%
Sales Q2Q%5.6%
Revenue Next Year15.07%
Revenue Next 2Y11.41%
Revenue Next 3Y9.74%
Revenue Next 5Y7.37%
EBIT growth 1Y2.37%
EBIT growth 3Y8.49%
EBIT growth 5Y15.67%
EBIT Next Year3.77%
EBIT Next 3Y10.11%
EBIT Next 5Y9.01%
FCF growth 1Y15.18%
FCF growth 3YN/A
FCF growth 5Y-10.59%
OCF growth 1Y12.95%
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 15.01 and the Price/Book (PB) ratio is 2.5.


Is the dividend of RAYMOND JAMES FINANCIAL INC sustainable?

The dividend rating of RAYMOND JAMES FINANCIAL INC (RJF) is 4 / 10 and the dividend payout ratio is 19.56%.