RJF vs. V: Raymond James Financial vs. Visa Stock Comparison

November 11, 2026

How do Raymond James Financial (RJF) and Visa (V) 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 Visa (V) both fall under the Financial Services industry group, but RJF is classified in Capital Markets while V is classified in Financial Services.

Company profile comparison for Raymond James Financial (RJF) and Visa (V)
Profile Item	RJF	V
Name	Raymond James Financial, Inc.	Visa Inc. Class A
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Capital Markets	Financial Services
GICS Sub-Industry	Investment Banking & Brokerage	Transaction & Payment Processing Services
Market Capitalization	31.28 billion USD	788.58 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	July 1, 1983	March 19, 2008
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

RJF

GSPC

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

Trailing Returns

Loading price history…

Trailing total returns for Raymond James Financial (RJF) and Visa (V). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for Raymond James Financial (RJF) and Visa (V). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
Total Return (1Y)	3.99%	27.50%
Total Return (3Y, Annualized)	20.73%	21.55%
Total Return (5Y, Annualized)	12.47%	15.65%

Risk Profile

Drawdown History

RJF

GSPC

Raymond James Financial (RJF) vs. Visa (V), with S&P 500 (GSPC) for reference: 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

Loading price history…

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

Risk Metrics

Risk profile metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
Volatility (1Y, Annualized)	25.94%	22.99%
Beta (5Y)	0.91	0.78
Max Drawdown (5Y)	-32.11%	-24.14%
Avg. Volume (3M)	1.20M	6.56M

Risk-Adjusted Performance

Risk-Return Positioning

RJF and V are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
Sharpe Ratio (1Y)	-0.01	1.01
Sortino Ratio (1Y)	-0.02	1.64

Profitability

ROE (TTM)

Visa (V) at 63.51% clears its industry range for ROE, a sharper capital-efficiency signal than Raymond James Financial (RJF) at 18.73%, which is closer to a typical peer reading.

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%

V

Financial Services industry group

63.51%

V: 63.51%
Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Raymond James Financial (RJF) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% 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%

V

Financial Services industry group

51.20%

Max: 62.84%
V: 51.20%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Raymond James Financial (RJF) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% operates in the top operating margin quartile, ahead of Raymond James Financial (RJF) at 20.88%, which runs around its industry’s norm.

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%

V

Financial Services industry group

63.73%

Max: 107.33%
V: 63.73%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

Raymond James Financial (RJF) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
ROE (TTM)	18.73%	63.51%
ROA (TTM)	--	19.61%
Net Margin (TTM)	14.97%	51.20%
Operating Margin (TTM)	20.88%	63.73%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Only one side can be read here: Visa (V) reports revenue growth of 14.76%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.

Raymond James Financial (RJF) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Raymond James Financial (RJF) at 15.63% and Visa (V) at 20.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Raymond James Financial (RJF) vs. Visa (V): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
Revenue Growth (YoY)	--	14.76%
Revenue Growth (3Y CAGR)	--	12.02%
EPS Growth (YoY)	15.63%	20.78%
EPS Growth (3Y CAGR)	14.33%	14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Raymond James Financial (RJF) in Financial Services and Visa (V) 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 Visa (V) 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

Financial strength metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
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 Visa (V) reports a yield of 0.66%, 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%

V

Financial Services industry group

0.66%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
V: 0.66%
Q1: 0.00%
Min: 0.00%

Raymond James Financial (RJF) vs. Visa (V): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Raymond James Financial (RJF) at 18.48% and Visa (V) at 21.75% 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%

V

Financial Services industry group

21.75%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
V: 21.75%
Q1: 0.00%
Min: 0.00%

Raymond James Financial (RJF) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
Dividend Yield (TTM)	0.00%	0.66%
Dividend Payout Ratio (TTM)	18.48%	21.75%

Valuation

P/E Ratio (TTM)

Raymond James Financial (RJF) at 13.67 is near its industry’s usual P/E ratio, while Visa (V) at 34.31 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

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

V

Financial Services industry group

34.31

Max: 45.85
V: 34.31
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Raymond James Financial (RJF) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Raymond James Financial (RJF) at 1.98 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on 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

V

Financial Services industry group

17.18

V: 17.18
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

Raymond James Financial (RJF) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Raymond James Financial (RJF) at 2.46 sits near its industry’s typical P/B ratio, while Visa (V) at 22.05 prices above its benchmark range — V looks rich relative to book.

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

V

Financial Services industry group

22.05

V: 22.05
Max: 7.79
Q3: 3.63
Median: 1.57
Q1: 0.81
Min: -0.39

Raymond James Financial (RJF) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Raymond James Financial (RJF) and Visa (V)
Metric	RJF	V
P/E Ratio (TTM)	13.67	34.31
P/S Ratio (TTM)	1.98	17.18
P/B Ratio (MRQ)	2.46	22.05
Free Cash Flow Yield (TTM)	--	--