Raymond James Financial Inc (RJF) stock analysis
Raymond James Financial Inc (RJF) clears 8 of this site's 8 mechanical value filters, 6 of 8 Buffett-style checks and 4 of 5 Lynch-style checks. A free-cash-flow DCF does not fit financial services companies, so no margin of safety is shown. It returns +0.5% to shareholders net of dilution. Figures are as of October 23, 2026, from SEC filings and market data refreshed weekly; this is educational analysis, not investment advice.
Data as of October 23, 2026. Refreshed weekly from SEC filings and market data.
What does Raymond James Financial do?
Raymond James Financial provides wealth management, investment banking, asset management and banking services, mainly through its network of financial advisers.
What stands out about Raymond James Financial?
- No filter fails. RJF passes 8 of the 8 value filters. See every filter.
- Strongest against peers: P/E ratio. At 13.0× (peer median 21.7×) it ranks 11th of 37 among financial services stocks this site tracks. See the ranking.
- Weakest against peers: net margin. At 13.6% (peer median 20.2%) it ranks 30th of 40 among financial services stocks this site tracks. See the ranking.
- Dividend raises 1 of 6 flags. Its trailing yield is 1.42%. See the Sustainable Dividend Screener.
How has Raymond James Financial's share price moved?
The interactive price chart needs JavaScript.
Is Raymond James Financial undervalued? The value diligence check
Every value-investing signal this site computes for this stock, gathered in one place: the same real numbers from the tools below, not a new score.
- Margin of safety (DCF) n/a (Financial Services)
- P/E vs. its own history 13.0x · near the cheap end Real range: 12.5x–16.7x over 5 years (net income per diluted share from each fiscal year's 10-K, paired with the real closing price at that fiscal year-end).
- Wall St. analyst rating Buy · 3.55/5 20 analysts this month: 2 strong buy, 7 buy, 11 hold, 0 sell, 0 strong sell (Finnhub). Down from 3.58 last month.
- Altman Z″-Score (bankruptcy risk) n/a (Financial Services)
- Earnings quality (is the profit real?) n/a (bank, insurer or REIT)
- Shareholder yield (cash back to owners) +0.5% net Latest fiscal year (2025): dividends 1.4% + buybacks 0.0% − stock comp 0.8%, as a share of today's market cap. Over 14 years its split-adjusted share count rose 12%. See Shareholder Yield Leaders.
- Capital needed to grow (See's test) n/a (no current-assets line on its balance sheet)
- PEG (growth at a reasonable price) 0.77 · Under fair P/E 13.0× ÷ 17.0% a year of growth behind it. 64th lowest of 447 stocks with a usable PEG. Lynch's fair value is a PEG of 1; a very high PEG usually means almost no growth, a very low one a profit spike. See PEG Ratio Ranking.
- Compounder lenses (4) 1 of 4 · misses capital-light (n/a), real profit (n/a), cash back Capital-light growth: cannot be measured (no current-assets line on its balance sheet); Profit is real: cannot be measured (bank, insurer or REIT); Cash to owners: not cleared (+0.5% a year net); Fair price (PEG): cleared. See Compounders at a Fair Price, which also lets you move the PEG bar.
- Munger's Inversion Check 0 flags
- Standing vs. sector peers 2 of 4 measures above the median Compared with the 39 other financial services stocks this site tracks: 1 in the top third, 1 in the bottom third.
- Dividend payout sustainability 1/6 flags
How does Raymond James Financial compare with its peers?
2 of 4 measures sit above the median of the 39 other financial services stocks tracked here, 1 in the top third and 1 in the bottom third.
- P/E ratiolower is cheaper · peer median 21.7× 13.0× ✓11th of 37
- Return on equityhigher is better · peer median 18% 18% –20th of 40
- Net marginhigher is better · peer median 20.2% 13.6% ✕30th of 40
- Dividend yieldamong dividend payers · peer median 1.56% 1.42% –20th of 33
Peers are the stocks this site tracks in the same sector group, not every listed competitor. The bar runs from the weakest peer (left) to the strongest (right); the tick is the middle. Measures that don't apply to a sector (cash-flow yield for banks, debt for financials) are left out.
What would Buffett & Lynch say?
Buffett's checklist is built around durable, profitable businesses bought at sensible prices, and RJF doesn't clear enough of it yet. In its favor: RJF is currently earning a strong return on shareholders' equity, and has kept that profitability up over five years, not just this year, converts sales into profit at healthy margins, has grown earnings per share at a solid clip over five years, is trading below what a conservative discounted-cash-flow estimate says it's worth - his own "price is what you pay, value is what you get" test, not a fixed multiple ceiling, and trades at a reasonable multiple of owner earnings, his own term for the real cash a business could pay out. Where it comes up short: RJF carries more debt relative to equity than he typically tolerates, and doesn't cover its interest expense as comfortably as he'd want.
- ROE (TTM) > 11% ✓
- ROE (5yr avg) > 11% ✓
- Debt/Equity < 0.5 ✕
- Pretax margin > 15% ✓
- EPS growth (5yr) > 7% ✓
- Interest coverage > 5x ✕
- Trading below intrinsic value (DCF) ✓
- Price vs. owner earnings < 25x ✓
Lynch looked for growth stories that weren't overpriced for that growth, and RJF falls short of his bar. In its favor: RJF clears his signature PEG-under-1 test: growth at a reasonable price, is growing earnings at the steady 10-20% pace of a proper Stalwart, isn't asking investors to overpay for that growth, and is backing its growth up with real free cash flow. Where it comes up short: RJF carries more debt than he liked to see, even allowing for the extra room a large, stable business gets.
- PEG < 1 ✓
- EPS growth 10%-20% ✓
- Debt/Equity < 0.6 ✕
- P/E < 27 ✓
- Price/FCF < 30 ✓
Quantitative approximations of each investor's documented approach, not endorsed by either investor or their estates - commentary, not this site's actual ranking criteria. Buffett never published a numeric checklist: only 2 of his 8 checks here trace to his own documented concepts ("owner earnings," from his 1986 shareholder letter, and "price is what you pay, value is what you get," his case against fixed P/E/P/B ceilings) - the other 6 (ROE, debt, margins, growth, interest coverage) use commonly-cited thresholds that are not numbers he himself published. The 8 hard filters below (plus the Munger check and Graham margin of safety) are this site's real, mechanical screen and are computed completely independently of the checklists above.
Berkshire Hathaway's own filing
Which of the 8 value filters does Raymond James Financial pass?
- Market Cap > $25B $30.0B
- Trailing P/E < 25 13.03
- PEG Ratio < 1.5 0.77
- Price/Book < 8 2.37
- Price/Sales < 7 1.77
- EPS Growth YoY > -5% +42.2%
- vs 50-day MA (±12%) -4.7%
- vs 200-day MA (±12%) -0.8%
What is Raymond James Financial's margin of safety?
A standard free-cash-flow DCF doesn't fit how financial services companies report cash flow.
Where is Raymond James Financial in its 52-week range?
What is the short interest in Raymond James Financial?
6,557,480 shares short as of 2026-09-30 (FINRA settlement date). Reported twice a month, so this only changes roughly every two weeks, not daily.
What could go wrong with Raymond James Financial? Munger's inversion check
"Invert, always invert." Instead of reasons to buy, these are reasons to hesitate, not a verdict, and not everything worth knowing about a business.
- Margin of safety, even in the bull case n/a (Financial Services)
- Short interest under 5% of float 3.8%
- Passes most of the 6 fundamental filters 6/6 passed
Doesn't cover circle of competence, management quality, or accounting concerns: those need judgment, not data.
How much have Raymond James Financial shareholders gained per year?
Earnings growth per share plus dividend.
An earnings-based proxy, not a stock-price total return - it doesn't capture multiple expansion/contraction or reinvested dividends. EPS from RJF's own 10-K filings; dividend yield is the current trailing yield on today's price, from the same weekly fetch as the rest of this site.
What do Raymond James Financial's 10-year financials show?
From RJF's own 10-K filings (SEC EDGAR): up to the last 10 fiscal years. Press any year's bars for the exact figures.
Frequently asked questions about Raymond James Financial
What kind of company is Raymond James Financial?
Raymond James Financial provides wealth management, investment banking, asset management and banking services, mainly through its network of financial advisers. This site groups it with Financial Services stocks.
Why does Raymond James Financial have no margin of safety on this site?
This site's DCF values a company from its free cash flow, and that does not fit financial companies, whose operating cash flow swings with client money, loans and trading rather than with what is left over for owners. So RJF gets no margin of safety; judge it on the other checks on this page, such as its filters, shareholder yield and ranking against its peers. The method is in the Intrinsic Value Calculator.
How many of this site's 8 value filters does Raymond James Financial pass?
RJF passes 8 of 8. It passes Market Cap > $25B ($30.0B), Trailing P/E < 25 (13.03), PEG Ratio < 1.5 (0.77), Price/Book < 8 (2.37), Price/Sales < 7 (1.77), EPS Growth YoY > -5% (+42.2%), vs 50-day MA (±12%) (-4.7%) and vs 200-day MA (±12%) (-0.8%). The 8-filter list shows every stock that passes all of them.
Does Raymond James Financial pass the Buffett-style and Lynch-style checklists?
On this site's Buffett-style checklist RJF clears 6 of 8 checks and leans no; it misses Debt/Equity < 0.5 and Interest coverage > 5x. On the Lynch-style checklist it clears 4 of 5 and leans no, with Stalwart as its Lynch category; it misses Debt/Equity < 0.6. These are this site's own rules written in the style of each investor, not their personal views; the rules are in the Editorial Standards.
How much cash does Raymond James Financial return to shareholders?
RJF's net shareholder yield is +0.5%: the cash it returns through dividends and buybacks, minus stock-based compensation, as a share of its market value. Latest fiscal year (2025): dividends 1.4% + buybacks 0.0% − stock comp 0.8%, as a share of today's market cap. Over 14 years its split-adjusted share count rose 12%. Its trailing dividend yield is 1.42%, paid out of 17% of its free cash flow; the dividend-sustainability check raises 1 of 6 flags (high leverage). See Shareholder Yield Leaders and the Sustainable Dividend Screener.
When does Raymond James Financial report earnings next?
Raymond James Financial's next earnings report is expected on October 28, 2026 after the market closes, with analysts expecting earnings of $3.30 per share. Dates come from the Finnhub earnings calendar and can move. In its last 4 quarters it beat the estimate 4 times, by an average of +4.4%.
Where do these numbers come from?
- Financial statements: Raymond James Financial's 10-K annual report for the year ended Sep 30, 2025, filed Nov 25, 2025 (filing index). Every earlier year in the 10-year financials comes from the company's older 10-K filings, all listed on SEC EDGAR.
- Prices and market data: quotes, P/E and analyst ratings from Finnhub; daily price history and the 52-week range from Twelve Data, both refreshed weekly. Short interest comes from FINRA, reported twice a month.
- How to check a figure: click any number in the card above to see its exact source, and read the Editorial Standards for every rule behind the checks.
About this Raymond James Financial Inc analysis
This page shows every value-investing check the site runs on Raymond James Financial Inc (RJF) in one place: the 8 mechanical filters, the Buffett and Lynch checklists, a margin of safety from a disclosed DCF, earnings quality, shareholder yield and how it ranks against its sector peers. The numbers come from SEC filings and public market data, refreshed weekly, and the same rules apply to every stock on the stock list. See Editorial Standards for the sources and the rules, or run your own filters in the stock screener.