RJF vs. SCHW: Raymond James Financial vs. Charles Schwab Stock Comparison
How do Raymond James Financial (RJF) and Charles Schwab (SCHW) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Raymond James Financial (RJF) and Charles Schwab (SCHW) are both classified in the Investment Banking & Brokerage sub-industry within the broader Capital Markets industry, placing them in the closest GICS peer bucket.
| Profile Item | RJF | SCHW |
|---|---|---|
| Name | Raymond James Financial, Inc. | The Charles Schwab Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Capital Markets |
| GICS Sub-Industry | Investment Banking & Brokerage | Investment Banking & Brokerage |
| Market Capitalization | 31.28 billion USD | 158.22 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 1, 1983 | September 22, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Total Return (1Y) | 3.99% | -0.80% |
| Total Return (3Y, Annualized) | 20.73% | 21.35% |
| Total Return (5Y, Annualized) | 12.47% | 4.31% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Volatility (1Y, Annualized) | 25.94% | 26.01% |
| Beta (5Y) | 0.91 | 0.74 |
| Max Drawdown (5Y) | -32.11% | -49.70% |
| Avg. Volume (3M) | 1.20M | 8.22M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Sharpe Ratio (1Y) | -0.01 | -0.20 |
| Sortino Ratio (1Y) | -0.02 | -0.26 |
Profitability
ROE (TTM)
Both Raymond James Financial (RJF) at 18.73% and Charles Schwab (SCHW) at 21.12% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
RJF
Financial Services industry group
18.73%
- Max
- 44.78%
- Q3
- 21.85%
- RJF
- 18.73%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
SCHW
Financial Services industry group
21.12%
- Max
- 44.78%
- Q3
- 21.85%
- SCHW
- 21.12%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of Raymond James Financial (RJF) at 14.97%, which keeps about the industry-typical share.
RJF
Financial Services industry group
14.97%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- RJF
- 14.97%
- Q1
- 4.82%
- Min
- -28.52%
SCHW
Financial Services industry group
39.33%
- Max
- 62.84%
- SCHW
- 39.33%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Raymond James Financial (RJF) at 20.88% and Charles Schwab (SCHW) at 52.67% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
RJF
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- RJF
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
SCHW
Financial Services industry group
52.67%
- Max
- 107.33%
- Q3
- 55.90%
- SCHW
- 52.67%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | RJF | SCHW |
|---|---|---|
| ROE (TTM) | 18.73% | 21.12% |
| ROA (TTM) | -- | 2.16% |
| Net Margin (TTM) | 14.97% | 39.33% |
| Operating Margin (TTM) | 20.88% | 52.67% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Charles Schwab (SCHW) reports revenue growth of 22.01%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.
EPS Growth
Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Raymond James Financial (RJF) at 15.63% is closer to the peer norm — faster per-share earnings growth for SCHW.
Growth Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Revenue Growth (YoY) | -- | 22.01% |
| Revenue Growth (3Y CAGR) | -- | 4.83% |
| EPS Growth (YoY) | 15.63% | 55.52% |
| EPS Growth (3Y CAGR) | 14.33% | 9.93% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Raymond James Financial (RJF) in Financial Services and Charles Schwab (SCHW) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Raymond James Financial (RJF) in Financial Services and Charles Schwab (SCHW) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Raymond James Financial (RJF) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Charles Schwab (SCHW) reports a yield of 1.33%, ranking against industry peers normally.
RJF
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- RJF
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SCHW
Financial Services industry group
1.33%
- Max
- 9.77%
- Q3
- 3.92%
- SCHW
- 1.33%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Raymond James Financial (RJF) at 18.48% and Charles Schwab (SCHW) at 21.03% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
RJF
Financial Services industry group
18.48%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- RJF
- 18.48%
- Q1
- 0.00%
- Min
- 0.00%
SCHW
Financial Services industry group
21.03%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SCHW
- 21.03%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | RJF | SCHW |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.33% |
| Dividend Payout Ratio (TTM) | 18.48% | 21.03% |
Valuation
P/E Ratio (TTM)
Both Raymond James Financial (RJF) at 13.67 and Charles Schwab (SCHW) at 15.64 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
RJF
Financial Services industry group
13.67
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- RJF
- 13.67
- Q1
- 9.68
- Min
- 0.16
SCHW
Financial Services industry group
15.64
- Max
- 45.85
- Q3
- 24.64
- SCHW
- 15.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Raymond James Financial (RJF) at 1.98 is priced about in line with its industry on P/S ratio, while Charles Schwab (SCHW) at 5.85 sits in the pricier quartile — SCHW costs more per dollar of sales.
RJF
Financial Services industry group
1.98
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- RJF
- 1.98
- Q1
- 1.28
- Min
- -0.55
SCHW
Financial Services industry group
5.85
- Max
- 9.23
- SCHW
- 5.85
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Raymond James Financial (RJF) at 2.46 and Charles Schwab (SCHW) at 3.08 are valued close to their industries’ norm against book — neither stands out from peers.
RJF
Financial Services industry group
2.46
- Max
- 7.79
- Q3
- 3.63
- RJF
- 2.46
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
SCHW
Financial Services industry group
3.08
- Max
- 7.79
- Q3
- 3.63
- SCHW
- 3.08
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | RJF | SCHW |
|---|---|---|
| P/E Ratio (TTM) | 13.67 | 15.64 |
| P/S Ratio (TTM) | 1.98 | 5.85 |
| P/B Ratio (MRQ) | 2.46 | 3.08 |
| Free Cash Flow Yield (TTM) | -- | -- |