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Raymond James Financial (RJF) Stock Analysis

This is a peer-relative look at Raymond James Financial (RJF): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Raymond James Financial (RJF)
Profile ItemRJF
NameRaymond James Financial, Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryCapital Markets
GICS Sub-IndustryInvestment Banking & Brokerage
Market Capitalization31.28 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJuly 1, 1983
Security TypeCommon Stock

Price Performance

Cumulative Growth

RJF
GSPC
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Raymond James Financial (RJF) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Raymond James Financial (RJF) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Raymond James Financial (RJF) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Total Return (1Y)3.99%1.90%
Total Return (3Y, Annualized)20.73%12.71%
Total Return (5Y, Annualized)12.47%2.81%

Risk Profile

Drawdown History

RJF
GSPC
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Raymond James Financial (RJF) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Raymond James Financial (RJF) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Volatility (1Y, Annualized)25.94%36.24%
Beta (5Y)0.911.04
Max Drawdown (5Y)-32.11%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. RJF is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Sharpe Ratio (1Y)-0.01-0.09
Sortino Ratio (1Y)-0.02-0.13

Profitability

ROE (TTM)

Raymond James Financial (RJF) posts ROE of 18.73%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

RJF

Financial Services industry group

18.73%

Group distribution
Max
44.78%
Q3
21.85%
RJF
18.73%
Median
12.91%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
RJF
18.73%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
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Where Raymond James Financial (RJF) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Raymond James Financial (RJF) keeps 14.97% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

RJF

Financial Services industry group

14.97%

Group distribution
Max
62.84%
Q3
28.05%
Median
15.36%
RJF
14.97%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
RJF
14.97%
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Where Raymond James Financial (RJF) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Raymond James Financial (RJF) turns 20.88% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

RJF

Financial Services industry group

20.88%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
RJF
20.88%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
RJF
20.88%
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Where Raymond James Financial (RJF) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
ROE (TTM)18.73%12.91%
ROA (TTM)--3.60%
Net Margin (TTM)14.97%15.36%
Operating Margin (TTM)20.88%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

No usable revenue growth is available for Raymond James Financial (RJF) this period, so the top-line momentum read is skipped.

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Raymond James Financial (RJF) doesn't report Revenue Growth this period; the bars show the Financial Services industry-group medians on their own.

EPS Growth

Raymond James Financial (RJF) grew earnings per share 15.63%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Raymond James Financial (RJF): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Revenue Growth (YoY)--9.46%
Revenue Growth (3Y CAGR)--10.90%
EPS Growth (YoY)15.63%7.46%
EPS Growth (3Y CAGR)14.33%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Raymond James Financial (RJF) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Raymond James Financial (RJF) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Raymond James Financial (RJF) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

RJF

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
RJF
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
RJF
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Raymond James Financial (RJF) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Raymond James Financial (RJF) has payout ratio of 18.48%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

RJF

Financial Services industry group

18.48%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
RJF
18.48%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
RJF
18.48%
MA
17.63%
BRK.A
0.00%
BRK.B
0.00%
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Where Raymond James Financial (RJF) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)18.48%25.77%

Valuation

P/E Ratio (TTM)

Raymond James Financial (RJF) trades at P/E ratio of 13.67, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

RJF

Financial Services industry group

13.67

Group distribution
Max
45.85
Q3
24.64
Median
15.37
RJF
13.67
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
MS
14.39
BRK.A
14.36
BRK.B
14.36
RJF
13.67
GS
12.45
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Where Raymond James Financial (RJF) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Raymond James Financial (RJF) trades at 1.98 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

RJF

Financial Services industry group

1.98

Group distribution
Max
9.23
Q3
4.57
Median
2.72
RJF
1.98
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
RJF
1.98
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Where Raymond James Financial (RJF) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Raymond James Financial (RJF) trades at 2.46 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

RJF

Financial Services industry group

2.46

Group distribution
Max
7.79
Q3
3.63
RJF
2.46
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
MS
2.65
RJF
2.46
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Raymond James Financial (RJF) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Raymond James Financial (RJF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: RJFIndustry group median
P/E Ratio (TTM)13.6715.37
P/S Ratio (TTM)1.982.72
P/B Ratio (MRQ)2.461.57
Free Cash Flow Yield (TTM)----