(RJF) Raymond James Financial - Ratings and Ratios
Investment Services, Asset Management, Banking, Insurance Products, Mutual Funds
RJF EPS (Earnings per Share)
RJF Revenue
Description: RJF Raymond James Financial
Raymond James Financial Inc. (RJF) is a diversified financial services company providing a broad range of services, including investment, banking, and asset management, to individuals, corporations, and municipalities. The companys diversified business model is segmented into Private Client Group, Capital Markets, Asset Management, Banking, and Other, which collectively contribute to its revenue.
The companys Private Client Group and Capital Markets segments are significant contributors, offering services such as investment management, insurance products, and investment banking. The Asset Management segment provides portfolio management and administrative services to retail and institutional clients, while the Bank segment offers various loan types and deposit accounts. The diversity of its business segments helps mitigate risk and provides a stable source of income.
From a performance perspective, RJF has demonstrated a strong return on equity (RoE) of 18.63%, indicating effective management of shareholder capital. The companys price-to-earnings (P/E) ratio of 15.41 and forward P/E of 13.93 suggest a relatively attractive valuation compared to its earnings. With a market capitalization of $32.28 billion, RJF is considered a mid-to-large-cap stock, potentially offering a balance between growth and stability.
Additional key performance indicators (KPIs) to consider include the companys revenue growth, net interest margin, and assets under management (AUM). A strong revenue growth trajectory and increasing AUM would be positive indicators of the companys financial health and ability to attract and retain clients. Furthermore, a high net interest margin would suggest effective management of the companys banking operations.
To further evaluate RJFs investment potential, it is essential to analyze its financial statements, managements guidance, and industry trends. This includes reviewing the companys income statement, balance sheet, and cash flow statement to understand its revenue streams, profitability, and capital management. Additionally, understanding the competitive landscape and regulatory environment can provide insights into potential risks and opportunities.
RJF Stock Overview
| Market Cap in USD | 34,113m |
| Sub-Industry | Investment Banking & Brokerage |
| IPO / Inception | 1987-12-30 |
RJF Stock Ratings
| Growth Rating | 73.4% |
| Fundamental | 67.1% |
| Dividend Rating | 69.3% |
| Return 12m vs S&P 500 | 24.0% |
| Analyst Rating | 3.43 of 5 |
RJF Dividends
| Dividend Yield 12m | 1.52% |
| Yield on Cost 5y | 5.21% |
| Annual Growth 5y | 12.78% |
| Payout Consistency | 89.7% |
| Payout Ratio | 19.1% |
RJF Growth Ratios
| Growth Correlation 3m | 83.3% |
| Growth Correlation 12m | 40% |
| Growth Correlation 5y | 90.9% |
| CAGR 5y | 18.76% |
| CAGR/Max DD 3y | 0.58 |
| CAGR/Mean DD 3y | 2.03 |
| Sharpe Ratio 12m | 1.51 |
| Alpha | 29.53 |
| Beta | 0.860 |
| Volatility | 25.99% |
| Current Volume | 1188.3k |
| Average Volume 20d | 888.5k |
| Stop Loss | 165.1 (-3%) |
| Signal | 0.37 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.13b TTM) > 0 and > 6% of Revenue (6% = 934.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.78pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -282.4% (prev -274.7%; Δ -7.70pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 510.0m <= Net Income 2.13b (YES >=105%, WARN >=100%) |
| Net Debt (-5.42b) to EBITDA (2.39b) ratio: -2.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (205.5m) change vs 12m ago -3.20% (target <= -2.0% for YES) |
| Gross Margin 89.88% (prev 85.47%; Δ 4.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 18.82% (prev 17.77%; Δ 1.05pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.17 (EBITDA TTM 2.39b / Interest Expense TTM 1.93b) >= 6 (WARN >= 3) |
Altman Z'' -2.53
| (A) -0.52 = (Total Current Assets 21.30b - Total Current Liabilities 65.27b) / Total Assets 84.81b |
| (B) 0.15 = Retained Earnings (Balance) 13.10b / Total Assets 84.81b |
| (C) 0.03 = EBIT TTM 2.25b / Avg Total Assets 82.72b |
| (D) 0.17 = Book Value of Equity 12.67b / Total Liabilities 72.55b |
| Total Rating: -2.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.07
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 2.14% = 1.07 |
| 3. FCF Margin 2.95% = 0.74 |
| 4. Debt/Equity 0.31 = 2.45 |
| 5. Debt/Ebitda 1.58 = 0.82 |
| 6. ROIC - WACC 2.62% = 3.27 |
| 7. RoE 17.75% = 1.48 |
| 8. Rev. Trend 90.93% = 4.55 |
| 9. Rev. CAGR 12.27% = 1.53 |
| 10. EPS Trend 37.32% = 0.93 |
| 11. EPS CAGR 2.36% = 0.24 |
What is the price of RJF shares?
Over the past week, the price has changed by +2.88%, over one month by +1.13%, over three months by +14.95% and over the past year by +47.57%.
Is Raymond James Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RJF is around 180.66 USD . This means that RJF is currently overvalued and has a potential downside of 6.1%.
Is RJF a buy, sell or hold?
- Strong Buy: 2
- Buy: 2
- Hold: 10
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RJF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 173.3 | 1.8% |
| Analysts Target Price | 173.3 | 1.8% |
| ValueRay Target Price | 202.7 | 19% |
Last update: 2025-09-05 04:58
RJF Fundamental Data Overview
CCE Cash And Equivalents = 16.35b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 16.341
P/E Forward = 14.245
P/S = 2.4771
P/B = 2.7266
P/EG = 1.3558
Beta = 1.059
Revenue TTM = 15.57b USD
EBIT TTM = 2.25b USD
EBITDA TTM = 2.39b USD
Long Term Debt = 2.89b USD (from longTermDebt, last quarter)
Short Term Debt = 883.0m USD (from shortTermDebt, last quarter)
Debt = 3.77b USD (Calculated: Short Term 883.0m + Long Term 2.89b)
Net Debt = -5.42b USD (from netDebt column, last quarter)
Enterprise Value = 21.54b USD (34.11b + Debt 3.77b - CCE 16.35b)
Interest Coverage Ratio = 1.17 (Ebit TTM 2.25b / Interest Expense TTM 1.93b)
FCF Yield = 2.14% (FCF TTM 460.0m / Enterprise Value 21.54b)
FCF Margin = 2.95% (FCF TTM 460.0m / Revenue TTM 15.57b)
Net Margin = 13.70% (Net Income TTM 2.13b / Revenue TTM 15.57b)
Gross Margin = 89.88% ((Revenue TTM 15.57b - Cost of Revenue TTM 1.57b) / Revenue TTM)
Tobins Q-Ratio = 1.70 (Enterprise Value 21.54b / Book Value Of Equity 12.67b)
Interest Expense / Debt = 11.77% (Interest Expense 444.0m / Debt 3.77b)
Taxrate = 21.76% (575.0m / 2.64b)
NOPAT = 1.76b (EBIT 2.25b * (1 - 21.76%))
Current Ratio = 0.33 (Total Current Assets 21.30b / Total Current Liabilities 65.27b)
Debt / Equity = 0.31 (Debt 3.77b / last Quarter total Stockholder Equity 12.26b)
Debt / EBITDA = 1.58 (Net Debt -5.42b / EBITDA 2.39b)
Debt / FCF = 8.20 (Debt 3.77b / FCF TTM 460.0m)
Total Stockholder Equity = 12.02b (last 4 quarters mean)
RoA = 2.51% (Net Income 2.13b, Total Assets 84.81b )
RoE = 17.75% (Net Income TTM 2.13b / Total Stockholder Equity 12.02b)
RoCE = 15.10% (Ebit 2.25b / (Equity 12.02b + L.T.Debt 2.89b))
RoIC = 11.80% (NOPAT 1.76b / Invested Capital 14.93b)
WACC = 9.18% (E(34.11b)/V(37.88b) * Re(9.18%)) + (D(3.77b)/V(37.88b) * Rd(11.77%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -98.47 | Cagr: -0.64%
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.49% ; FCFE base≈1.03b ; Y1≈673.1m ; Y5≈307.8m
Fair Price DCF = 25.33 (DCF Value 5.05b / Shares Outstanding 199.4m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 90.93 | Revenue CAGR: 12.27%
Rev Growth-of-Growth: -11.60
EPS Correlation: 37.32 | EPS CAGR: 2.36%
EPS Growth-of-Growth: -25.69
Additional Sources for RJF Stock
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Fund Manager Positions: Dataroma | Stockcircle