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Upturn AI Summary - About
Raymond James Financial Inc.(RJF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RJF
10/09/2026: RJF (3-star) is currently NOT-A-BUY. Pass it for now.
Raymond James Financial Inc. is a diversified financial services provider known for its strong advisor-centric culture and a hybrid model that caters to both independent and employee financial advisors. The firm derives its strength from its dual focus on wealth management and capital markets, which provides revenue stability. Its primary growth opportunity lies in further integrating banking services for its large wealth management client base. Key risks include sensitivity to interest rate fluctuations, regulatory costs, and potential operational challenges during integration of acquisitions. The stock may suit dividend and value-oriented investors looking for exposure to the financial sector, provided they monitor the firm's successful management of advisor retention and interest rate impacts.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth linked to market cycles rather than high-octane expansion. |
| Momentum investor | Strong fit while signal remains positive | Strong market cycles can drive momentum in the financial services sector for this stock. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its earnings power and market position. |
| Dividend investor | Strong fit | It provides a reliable and historically increasing dividend yield for income-focused portfolios. |
| Low-risk investor | Mixed fit | Exposure to equity market volatility and interest rate changes introduces a level of risk not suitable for extremely conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is highly correlated with general equity market conditions and investor sentiment. |
| Valuation risk | Medium | Market mispricing during downturns can create temporary valuation swings. |
| Competition risk (financial services competition) | High | The sector faces intense pressure from both large-scale incumbents and agile digital-first competitors. |
| Business quality | Strong | The company maintains a high-quality reputation and a strong, advisor-focused franchise. |
| Dividend income | Low | The dividend is stable and well-supported by earnings, presenting low risk of reduction. |
| Execution risk | Medium | Successfully integrating acquisitions is crucial to maintaining the company's growth trajectory. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 33.11% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 30.42B USD | Price to earnings Ratio 13.83 | 1Y Target Price 185.43 |
Price to earnings Ratio 13.83 | 1Y Target Price 185.43 | ||
Volume (30-day avg) 1.3M shares | Beta 0.95 | 52 Weeks Range 137.85 - 182.11 | Updated Date 10/09/2026 |
52 Weeks Range 137.85 - 182.11 | Updated Date 10/09/2026 | ||
Dividends yield (FY) 1.34% | Basic EPS (TTM) 11.45 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wealth Management | Advisory fees, brokerage commissions, and client account service fees. | The primary engine of revenue, tied to the size and activity of client investment accounts. |
| Capital Markets | Investment banking fees and institutional trading income. | More volatile revenue that fluctuates based on economic conditions and corporate deal-making activity. |
| Banking & Lending | Net interest income from loans and deposits. | Provides a steady source of income that benefits from higher interest rate environments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 13.83 | Forward PE 11.35 | Enterprise Value 20.61B | Price to Sales(TTM) 2 |
Enterprise Value 20.61B | Price to Sales(TTM) 2 | ||
Enterprise Value to Revenue 2.33 | Enterprise Value to EBITDA - | Shares Outstanding 192.10M | Shares Floating 171.74M |
Shares Outstanding 192.10M | Shares Floating 171.74M | ||
Percent Insiders 10.55 | Percent Institutions 81.1 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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