Raymond James Financial Inc. (RJF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Raymond James Financial Inc. stock (RJF) is currently trading at $145.85. Raymond James Financial Inc. PE ratio is 14.22. Raymond James Financial Inc. PS ratio (Price-to-Sales) is 2.02. Analyst consensus price target for RJF is $184.83. WallStSmart rates RJF as Hold.
- RJF PE ratio analysis and historical PE chart
- RJF PS ratio (Price-to-Sales) history and trend
- RJF intrinsic value — DCF, Graham Number, EPV models
- RJF stock price prediction 2025 2026 2027 2028 2029 2030
- RJF fair value vs current price
- RJF insider transactions and insider buying
- Is RJF undervalued or overvalued?
- Raymond James Financial Inc. financial analysis — revenue, earnings, cash flow
- RJF Piotroski F-Score and Altman Z-Score
- RJF analyst price target and Smart Rating
Raymond James Financial Inc.
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RJF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Raymond James Financial Inc. (RJF)
RJF trades 128% above its Graham fair value of $69.50, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Raymond James Financial Inc. (RJF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, institutional own.. Concerns around eps growth. Fundamentals are solid but monitor weak areas for improvement.
Raymond James Financial Inc. (RJF) Key Strengths (4)
Growing significantly faster than its price suggests
79.44% of shares held by major funds and institutions
Large-cap company with substantial market presence
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
Raymond James Financial Inc. (RJF) Areas to Watch (6)
Earnings declining -2.40%, profits shrinking
Modest revenue growth at 5.70%
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.02x sales
Fairly priced relative to book value
Decent profitability, keeps $15 per $100 revenue
Raymond James Financial Inc. (RJF) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 4.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Institutional Own., Market Cap. Valuation metrics including PEG Ratio (0.88) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.10%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Operating Margin. Some valuation metrics including Price/Sales (2.02), Price/Book (2.27) suggest expensive pricing. Growth concerns include Revenue Growth at 5.70%, EPS Growth at -2.40%, which may limit upside. Profitability pressure is visible in Operating Margin at 19.70%, Profit Margin at 14.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 5.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Institutional Own.) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RJF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RJF's Price-to-Sales ratio of 2.02x sits near its historical average of 2.1x (45th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 38% below its historical high of 3.28x set in Jan 2018, and 156% above its historical low of 0.79x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Raymond James Financial Inc. (RJF) · FINANCIAL SERVICES › ASSET MANAGEMENT
The Big Picture
Raymond James Financial Inc. operates as a stable business with moderate growth and solid fundamentals. Revenue reached 14.2B with 6% growth year-over-year. Profit margins of 14.8% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1710.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 97M in free cash flow and 143M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Raymond James Financial Inc. push profit margins above 15% as the business scales?
Sector dynamics: monitor ASSET MANAGEMENT industry trends, competitive moves, and regulatory changes that could impact Raymond James Financial Inc..
Bottom Line
Raymond James Financial Inc. offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Raymond James Financial Inc.(RJF)
NYSE
FINANCIAL SERVICES
ASSET MANAGEMENT
USA
Raymond James Financial is an American multinational independent investment bank and financial services company providing financial services to individuals, corporations, and municipalities through its subsidiary companies that engage primarily in investment and financial planning, in addition to investment banking and asset management.