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RJF

NEUTRAL
$156.2 Live
Raymond James Financial, Inc. · NYSE
Target $174.77 (+11.9%)
$138.82 52W Range $177.66
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026
Market cap
$30.4B
P/E
14.75
ROE
N/A
Profit margin
14.6%
Debt/Equity
0.46
Dividend yield
1.38%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
RJF presents a conflicting profile: strong growth and attractive valuation metrics are offset by a critically weak Piotroski F-Score of 2/9, indicating deteriorating fundamental health. While the stock trades at a reasonable P/E of 14.75 and a PEG of 1.00, the bearish technical trend and insider selling suggest a lack of immediate conviction. The significant gap between the Graham Number ($122.91) and Intrinsic Value ($312.4) highlights a tension between defensive value and growth expectations. Overall, the company's operational growth is impressive, but the underlying financial health markers require caution.

Key Strengths

Strong YoY revenue growth of 13.40% and earnings growth of 15.30%
Attractive valuation with a Forward P/E of 11.67 and PEG ratio of 1.00
Very sustainable dividend payout ratio of 19.64%
Low Debt/Equity ratio of 0.46 compared to sector average of 1.28
Consistent history of earnings beats over the last 25 quarters

Key Risks

Critically low Piotroski F-Score (2/9) signaling weak financial health trends
Bearish insider sentiment with net selling activity totaling $4.97M
Technical trend is currently 0/100 (Bearish)
Current price is trading at a premium to the Graham defensive fair value ($122.91)
Recent Q/Q EPS growth decline of -4.9%
AI Fair Value Estimate
Based on comprehensive analysis
$188.5
+20.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
59
Moderate
Value
75
Future
80
Past
70
Health
20
Dividend
50
AI Verdict
Cautiously Optimistic on Growth, Concerned on Health
Key drivers: Strong earnings growth, Low valuation multiples, Poor Piotroski F-Score, Bearish technicals
Confidence
90%
Value
75/100

Ref P/E 14.75, PEG 1.00, Graham Number $122.91

Positives
  • P/E is significantly lower than sector average
  • PEG of 1.00 suggests fair pricing relative to growth
Watchpoints
  • Price is above Graham Number
Future
80/100

Ref Growth rates 13.4% Rev / 15.3% Earnings

Positives
  • Double-digit YoY revenue and earnings growth
  • Positive analyst target price of $174.77
Watchpoints
  • Recent Q/Q EPS dip
Past
70/100

Ref Historical trends and Earnings track record

Positives
  • Strong 5-year price appreciation of 90.8%
  • Consistent earnings surprise track record
Watchpoints
  • Recent 6-month price stagnation (-0.8%)
Health
20/100

Ref Piotroski F-Score 2/9

Positives
  • Low Debt/Equity ratio
Watchpoints
  • Piotroski F-Score of 2/9 is in the 'Weak' category
Dividend
50/100

Ref Yield 1.38%, Payout 19.64%

Positives
  • Very low payout ratio (19.64%) provides high safety
Watchpoints
  • Low dividend yield of 1.38%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$156.2
Analyst Target
$174.77
Upside/Downside
+11.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RJF and closest competitors.

Updated 2026-05-01
RJF
Raymond James Financial, Inc.
Primary
5Y
+90.8%
3Y
+88.4%
1Y
+14.9%
6M
-0.8%
1M
+8.9%
1W
+1.8%
NTR
Northern Trust Corporation
Peer
5Y
+73.2%
3Y
+105.1%
1Y
+87.8%
6M
+24.8%
1M
+17.1%
1W
+3.2%
CBO
Cboe Global Markets, Inc.
Peer
5Y
+199.2%
3Y
+123.7%
1Y
+36.0%
6M
+27.0%
1M
+6.8%
1W
-0.0%
MTB
M&T Bank Corporation
Peer
5Y
+60.2%
3Y
+95.8%
1Y
+30.7%
6M
+20.6%
1M
+7.2%
1W
-0.9%
WTW
Willis Towers Watson Public Limited Company
Peer
5Y
+19.7%
3Y
+29.2%
1Y
-3.0%
6M
-8.1%
1M
+0.5%
1W
-0.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.75
Forward P/E
11.67
PEG Ratio
1.0
P/B Ratio
2.46
P/S Ratio
2.07
EV/Revenue
1.39
EV/EBITDA
N/A
Market Cap
$30.4B

Profitability

Profit margins and return metrics

Profit Margin 14.62%
Operating Margin 19.51%
Gross Margin 93.01%
ROE N/A
ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth +13.4%
Earnings Growth +15.3%
Q/Q Revenue Growth +5.4%
Q/Q Earnings Growth +9.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.46
Low debt
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$81.59

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22
$N/A
2026-04-22
$2.72
+0.5% surprise
2026-01-28
$2.86
+0.9% surprise
2025-10-22
$3.11
+10.0% surprise

Financial Services Sector Comparison

Comparing RJF against 1034 companies in the Financial Services sector (162 bullish, 450 neutral, 422 bearish)
P/E Ratio
14.75
This Stock
vs
35.38
Sector Avg
-58.3% (Discount)
Profit Margin
14.62%
This Stock
vs
85.98%
Sector Avg
-83.0% (Weaker)
Debt to Equity
0.46
This Stock
vs
1.29
Sector Avg
-64.0% (Less Debt)
Revenue Growth
13.4%
This Stock
vs
32.8%
Sector Avg
-59.1% (Slower)

Similar Companies

Peer comparison within the same industry

RJF Raymond James...
NEUTRAL
Mkt Cap
$30.4B
P/E
14.7
ROE
-%
Price
$156.2
NTRS Northern Trust...
NEUTRAL
Mkt Cap
$30.1B
P/E
18.2
ROE
13.5%
Price
$158.99
 Compare with RJF
CBOE Cboe Global...
NEUTRAL
Mkt Cap
$31.4B
P/E
28.8
ROE
23.4%
Price
$300.09
 Compare with RJF
MTB M&T Bank Corporation
NEUTRAL
Mkt Cap
$32.0B
P/E
12.1
ROE
10.3%
Price
$215.54
 Compare with RJF
WTW Willis Towers...
NEUTRAL
Mkt Cap
$27.4B
P/E
17.8
ROE
20.1%
Price
$290.11
 Compare with RJF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

ALLAIRE BELLA LOYKHTER
Officer
Sell
2026-03-19
29,551 shares · $4,206,289
AISENBREY CHRISTOPHER S
Officer
Stock Award
2026-02-27
600 shares
EDWARDS JEFFREY N.
Director
Gift
2026-02-24
1,503 shares
GATES ANNE
Director
Stock Award
2026-02-19
1,303 shares
DEBEL MARLENE
Director
Stock Award
2026-02-19
1,253 shares
MISTARZ, CECILY
Director
Stock Award
2026-02-19
1,303 shares
MISTARZ, CECILY
Director
Stock Award
2026-02-19
1,753 shares
ESTY BENJAMIN C
Director
Stock Award
2026-02-19
1,303 shares
EDWARDS JEFFREY N.
Director
Stock Award
2026-02-19
1,253 shares
SESHADRI RAJEEV
Director
Stock Award
2026-02-19
1,303 shares
BEGOR MARK W.
Director
Stock Award
2026-02-19
1,303 shares
MCGEARY RODERICK C
Director
Stock Award
2026-02-19
1,303 shares
MCDANIEL RAYMOND WHITEHEAD JR.
Director
Stock Award
2026-02-19
1,303 shares
GARCIA ART A
Director
Stock Award
2026-02-19
1,303 shares
SANTELLI JONATHAN N
General Counsel
Sell
2026-02-04
4,500 shares · $767,079
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-22

Raymond James Financial, Inc. reported its financial results for the first quarter of 2026.

8-K
8-K
2026-03-25

Raymond James Financial, Inc. likely filed this 8-K to announce its quarterly financial results.

8-K
8-K
2026-02-23

Raymond James Financial, Inc. announced its fourth-quarter and full-year financial results.

8-K
8-K
2026-02-18

Raymond James Financial, Inc. likely filed this 8-K to report its fourth-quarter and full-year financial results for the fiscal year ending December 31, 2025.

10-Q
10-Q
2026-02-06
8-K
8-K
2026-01-28

Raymond James Financial, Inc. filed an 8-K on January 28, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-01-15

Raymond James Financial, Inc. likely announced its fourth-quarter and full-year financial results.

DEF 14A
DEF 14A
2026-01-07

Raymond James Financial, Inc. (RJF) filed a definitive proxy statement on January 7, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

8-K
8-K
2025-12-17
8-K
8-K
2025-12-04

Raymond James Financial, Inc. filed an 8-K, likely to announce its first-quarter financial results.

8-K
8-K
2025-12-02
10-K
10-K
2025-11-25
8-K
8-K
2025-11-19
8-K
8-K
2025-10-22
8-K
8-K
2025-09-24
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
13 analysts
Morgan Stanley
2026-04-28
Maintains
Equal-Weight Equal-Weight
UBS
2026-04-23
Maintains
Neutral Neutral
TD Cowen
2026-04-23
Maintains
Hold Hold
Barclays
2026-04-23
Maintains
Overweight Overweight
BMO Capital
2026-04-23
Maintains
Market Perform Market Perform
Morgan Stanley
2026-04-10
Maintains
Equal-Weight Equal-Weight
UBS
2026-04-08
Maintains
Neutral Neutral
Barclays
2026-04-08
Maintains
Overweight Overweight
Jefferies
2026-04-06
Maintains
Hold Hold
TD Cowen
2026-01-14
Maintains
Hold Hold

Past News Coverage

Recent headlines mentioning RJF from our newsroom.

Newest → oldest
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