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RJF 
Raymond James Financial Inc. (RJF)
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Upturn Advisory Summary
12/03/2025: RJF (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $183.8
1 Year Target Price $183.8
| 2 | Strong Buy |
| 2 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.53% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.66B USD | Price to earnings Ratio 15.11 | 1Y Target Price 183.8 |
Price to earnings Ratio 15.11 | 1Y Target Price 183.8 | ||
Volume (30-day avg) 14 | Beta 1.01 | 52 Weeks Range 116.85 - 177.15 | Updated Date 12/3/2025 |
52 Weeks Range 116.85 - 177.15 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 1.29% | Basic EPS (TTM) 10.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.23% | Operating Margin (TTM) 20.15% |
Management Effectiveness
Return on Assets (TTM) 2.49% | Return on Equity (TTM) 17.67% |
Valuation
Trailing PE 15.11 | Forward PE 13.32 | Enterprise Value 20296853504 | Price to Sales(TTM) 2.26 |
Enterprise Value 20296853504 | Price to Sales(TTM) 2.26 | ||
Enterprise Value to Revenue 2.52 | Enterprise Value to EBITDA - | Shares Outstanding 196673933 | Shares Floating 174495014 |
Shares Outstanding 196673933 | Shares Floating 174495014 | ||
Percent Insiders 10.46 | Percent Institutions 79.73 |
Upturn AI SWOT
Raymond James Financial Inc.
Company Overview
History and Background
Raymond James Financial Inc. was founded in 1962 as Robert A. James Investments. It has grown from a small firm to a diversified financial services company, achieving significant milestones through strategic acquisitions and organic growth.
Core Business Areas
- Private Client Group: Provides financial advisory services to individual investors, including investment management, retirement planning, and wealth management.
- Capital Markets: Offers investment banking, equity research, and trading services to corporations and institutional investors.
- Asset Management: Manages assets for individuals and institutions through various investment strategies and products.
- Bank: Provides lending, deposit, and treasury management services to individuals, businesses, and institutions.
Leadership and Structure
Paul Reilly serves as the Chairman and CEO. The company operates with a decentralized structure, empowering branch managers and advisors.
Top Products and Market Share
Key Offerings
- Competitors: Merrill Lynch, Morgan Stanley, Goldman Sachs
- Wealth Management Services: Raymond James offers comprehensive wealth management services, including financial planning, investment advice, and estate planning. The market is highly competitive with firms like Merrill Lynch, Morgan Stanley, and Goldman Sachs. Specific market share data is difficult to pinpoint exactly, but RJF consistently ranks among the largest wealth management firms in the US by advisor count and AUM.
- Competitors: Jefferies, Piper Sandler, William Blair
- Investment Banking: Raymond James provides investment banking services, including mergers and acquisitions advisory, underwriting, and private placements. They are a mid-market focused player and compete with firms like Jefferies, Piper Sandler and William Blair. While market share data fluctuates, they generally rank in the top 10 for middle-market M&A.
Market Dynamics
Industry Overview
The financial services industry is currently influenced by factors like interest rate fluctuations, regulatory changes, and technological advancements. Increased demand for financial advice and wealth management services is being driven by an aging population.
Positioning
Raymond James positions itself as a client-focused firm with a strong culture of independence and long-term relationships. Their decentralized structure helps them cater to diverse client needs. Their competitive advantage lies in this independent model.
Total Addressable Market (TAM)
The global wealth management market is estimated to be in the hundreds of trillions of dollars. Raymond James Financial Inc. is positioned to capture a portion of this TAM through its comprehensive suite of financial services and expanding advisor network.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive network of financial advisors
- Diversified revenue streams
- Client-centric approach
- Solid balance sheet
Weaknesses
- Sensitivity to market fluctuations
- Decentralized structure can lead to inconsistencies
- Reliance on advisor productivity
- High regulatory compliance costs
Opportunities
- Growing demand for wealth management services
- Expanding into new geographic markets
- Leveraging technology for enhanced client service
- Acquiring smaller firms to expand market share
Threats
- Increased competition from other financial institutions
- Regulatory changes and compliance costs
- Economic downturns impacting client assets
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- MS (MS)
- UBS (UBS)
- SCHW (SCHW)
- GS (GS)
- ML (BAC)
Competitive Landscape
Raymond James differentiates itself through its advisor-centric culture and decentralized structure, contrasting with larger, more bureaucratic firms. This allows them to provide a more personalized service which has contributed to their growth.
Major Acquisitions
TriState Capital Holdings
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Expanded Raymond Jamesu2019 private wealth and investment banking capabilities, and provided access to a larger network of high-net-worth individuals.
Growth Trajectory and Initiatives
Historical Growth: Raymond James has experienced consistent growth in revenue, earnings, and assets under management over the past decade.
Future Projections: Analysts project continued growth for Raymond James, driven by its wealth management business and strategic acquisitions. Revenue is expected to grow at a rate of 5-7% annually.
Recent Initiatives: Recent initiatives include expanding its technology platform, acquiring smaller wealth management firms, and focusing on attracting and retaining top talent.
Summary
Raymond James Financial is a strong financial services company with a diversified business model and a client-focused approach. Its decentralized structure and strong brand reputation contribute to its success. While market fluctuations pose a risk, the company's consistent growth and strategic initiatives position it well for future expansion and shareholder value creation.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10K, 10Q), Investor presentations, Analyst reports, Financial news articles, Third-party market research reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor. Market share data is approximate and based on available public information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Raymond James Financial Inc.
Exchange NYSE | Headquaters Saint Petersburg, FL, United States | ||
IPO Launch date 1987-12-30 | CEO & Director Mr. Paul Marone Shoukry | ||
Sector Financial Services | Industry Asset Management | Full time employees 19500 | Website https://www.raymondjames.com |
Full time employees 19500 | Website https://www.raymondjames.com | ||
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 financial planning, investment advisory, securities transaction, investment services, portfolio management services, insurance and annuity products, and mutual funds; support to third-party mutual fund and annuity companies, including sales and marketing support, as well as distribution and accounting, and administrative services; margin loans; securities borrowing and lending services; and custodial, trade execution, research, and other support and services. The Capital Markets segment provides investment banking services, such as equity and debt underwriting, and merger and acquisition advisory; and fixed income and equity brokerage services. This segment also offers institutional sales, securities trading, equity research, and the syndication and management of investments in low-income housing funds and funds of a similar nature. The Asset Management segment provides asset management, portfolio management, and related administrative services to retail and institutional clients; and administrative support services, such as record-keeping. The Bank segment offers various types of loans, including securities-based, corporate, commercial and industrial, commercial real estate and construction, real estate investment trust, residential mortgage, and tax-exempt loans; Federal Deposit Insurance Corporation-insured deposit accounts; retail and corporate deposit; and liquidity management products and services. The Other segment engages in the private equity investments comprising investments in third-party funds. The company offers corporate, retail banking and trust services. Raymond James Financial, Inc. was founded in 1962 and is headquartered in Saint Petersburg, Florida.
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