Raymond James Financial, Inc. (RJF), Discounted Cash Flow Valuation

Raymond James Financial, Inc. (RJF) Company Profile

US | Financial Services | Financial - Capital Markets | NYSE
133.46 1.28 (0.97%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
27.35B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
15.4B
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
2.17B
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
209.2M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
0.51
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
12.26
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
1.51%
Exchange Name of stock exchange where the trading item trades.
NYSE
Avg Volume The average number of shares traded each day over the past 30 days.
1.65M
Open The opening trade price over the trading day.
133.89
Previous Close The last closing price.
132.18
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.96
1 day delta The range between the high and low prices over the past day.
133.28-135.66
52 weeks The range between the high and low prices over the past 52 weeks.
104.24-174.32

Total Valuation

Raymond James Financial, Inc. has a market cap or net worth of 27.35B. The enterprise value is 20.39B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
27.35B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
20.39B

Valuation Ratios

The trailing PE ratio is 12.53. Raymond James Financial, Inc.'s PEG ratio is 0.01.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
12.53
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
1.78
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
2.28
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
13.69
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
0.01

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.54, with a EV/FCF ratio of 10.21.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
1.32
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
7.54
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
9.3
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
10.21

Financial Efficiency

Return on equity (ROE) is 18.96% and return on invested capital (ROIC) is 16.80%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
18.96%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
2.64%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
16.80%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.18
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 91.88%, with operating and profit margins of 31.71% and 14.09%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
91.88%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
31.71%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
17.93%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
14.09%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
17.56%

Income Statement

In the last 12 months, Raymond James Financial, Inc. had revenue of 15.4B and earned 2.17B in profits. Earnings per share (EPS) was 0.51.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
15.4B
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
14.15B
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
4.88B
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
2.76B
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
2.17B
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
2.71B
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
2.52B
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
0.51

Financial Position

The company has a trailing 12 months (ttm) current ratio of 2.65, with a ttm Debt / Equity ratio of 0.26.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
2.65
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
2.65
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.26
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
0.57

Dividends & Yields

This stock pays an annual dividend of 1.9, which amounts to a dividend yield of 1.42%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
1.9
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
1.42%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
7.98%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
7.30%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
10.34%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
18.02%

Balance Sheet

The company has 10.05B in cash and 3.09B in debt, giving a net cash position of 6.96B.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
10.05B
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
3.09B
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
6.96B
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
11.92B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
58.56
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
12.73B

Cash Flow

In the last 12 months, operating cash flow of the company was 2.19B and capital expenditures -196M, giving a free cash flow of 2B.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
2.19B
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-196M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
2B
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
9.8

Raymond James Financial, Inc. News

Apr 17, 2025 - businesswire.com
Lisa Detanna Named to Forbes/SHOOK Top Wealth Advisors Ranking
BEVERLY HILLS, Calif.--(BUSINESS WIRE)--Lisa Detanna, Managing Director and Private Wealth Advisor of Global Wealth Solutions Group of Raymond James, located at 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA 90212, has been honored in Forbes 2025 America's List of America's Top Wealth Advisors. SHOOK Research, in collaboration with Forbes, released the list on April 8th, recognizing wealth advisors who meet the established selection criteria. Forbes, in collaboration with SHOOK Research, eva....[read more]
Apr 17, 2025 - globenewswire.com
Raymond James Invests in Service Excellence with Proprietary Generative AI Search
ST. PETERSBURG, Fla., April 17, 2025 (GLOBE NEWSWIRE) -- Raymond James continues its investment in artificial intelligence as a crucial component of service excellence with the launch of its proprietary AI Search technology. Powered by generative artificial intelligence, AI Search enables both financial advisors and associates to ask intuitive, natural language questions to the firm's vast internal knowledge base and receive precise, tailored information in return, according to Stuart Feld, newl...[read more]
Apr 16, 2025 - zacks.com
Raymond James Financial, Inc. (RJF) Reports Next Week: Wall Street Expects Earnings Growth
Raymond James Financial (RJF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations....[read more]
Apr 10, 2025 - zacks.com
Strength Seen in Raymond James Financial (RJF): Can Its 9.2% Jump Turn into More Strength?
Raymond James Financial (RJF) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term....[read more]
Apr 8, 2025 - globenewswire.com
Raymond James Advances Asset Management and Practice Management Advisor Support with Leadership Appointments
The firm announced the appointment of both Doug Brigman to president of Asset Management Services and Michelle Lynch to senior vice president, Practice Management and Growth Consulting The firm announced the appointment of both Doug Brigman to president of Asset Management Services and Michelle Lynch to senior vice president, Practice Management and Growth Consulting...[read more]
Apr 7, 2025 - https://thefly.com
Ameriprise upgraded to Strong Buy from Market Perform at Raymond James
Raymond James analyst Wilma Burdis double upgraded Ameriprise to Strong Buy from Market Perform with a $518 price target. The firm expects Ameriprise to perform well in a wide range of interest rate environments due to its diversified revenue mix. Advice and wealth management, which represents 60% of the company's earnings, is less interest rate sensitive given that 83% of the bank portfolio is invested in 3-4 year dated fixed rate securities, the analyst tells investors in a research note. Raym...[read more]
Apr 7, 2025 - https://thefly.com
JetBlue upgraded to Outperform from Market Perform at Raymond James
Raymond James upgraded JetBlue to Outperform from Market Perform with a $5 price target. The firm cites the recent selloff for the upgrade as it sees low bankruptcy risk and an "M&A floor" for the shares. The analyst is not aware of any takeover discussions, but believe JetBlue's assets "make it an attractive target." As such, the stock is "compelling for those looking to be nimble," the analyst tells investors in a research note. Raymond James sees the stock as likely range-bound between a $3.5...[read more]
Mar 5, 2025 - zacks.com
Here's Why Raymond James Financial, Inc. (RJF) is a Strong Value Stock
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage....[read more]
Mar 4, 2025 - zacks.com
RJF or SCHW: Which Is the Better Value Stock Right Now?
Investors looking for stocks in the Financial - Investment Bank sector might want to consider either Raymond James Financial, Inc. (RJF) or The Charles Schwab Corporation (SCHW). But which of these two stocks is more attractive to value investors?...[read more]
Mar 4, 2025 - zacks.com
5 High ROE Stocks to Buy as Markets Tank on Tariff Woes
KLAC, LDOS, RJF, FTNT and PPC are some of the stocks with high ROE to profit from as a sudden change in the U.S. trade policies hit markets....[read more]

Raymond James Financial, Inc. Details

Country US
City Saint Petersburg
Address 880 Carillon Parkway
Ticker Symbol RJF
Exchange New York Stock Exchange
IPO Date Jul 1, 1983
CEO Mr. Paul Marone Shoukry
Sector Financial Services
Industry Financial - Capital Markets
Employees 19K

Raymond James Financial, Inc. Company Description

Raymond James Financial, Inc., a diversified financial services company, provides private client group, capital markets, asset management, banking, and other services to individuals, corporations, and municipalities in the United States, Canada, and Europe. The Private Client Group segment offers investment services, portfolio management services, insurance and annuity products, and mutual funds; support to third-party product partners, including sales and marketing support, as well as distribution and accounting, and administrative services; margin loans; and securities borrowing and lending services. The Capital Markets segment provides investment banking services, including equity underwriting, debt underwriting, and merger and acquisition advisory services; and fixed income and equity brokerage services. The Asset Management segment offers asset management, portfolio management, and related administrative services to retail and institutional clients; and administrative support services, such as record-keeping. The Raymond James Bank segment provides insured deposit accounts; commercial and industrial, commercial real estate (CRE) and CRE construction, tax-exempt, residential, securities-based, and other loans; and loan syndication services. The Other segment engages in the private equity investments, including various direct and third-party private equity investments; and legacy private equity funds. The company was founded in 1962 and is headquartered in St. Petersburg, Florida.

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