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RJF 
Raymond James Financial Inc. (RJF)
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Upturn Advisory Summary
12/29/2025: RJF (4-star) is a STRONG-BUY. BUY since 3 days. Simulated Profits (-1.03%). Updated daily EoD!
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 $183.45
1 Year Target Price $183.45
| 2 | Strong Buy |
| 2 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.92% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.72B USD | Price to earnings Ratio 16.06 | 1Y Target Price 183.45 |
Price to earnings Ratio 16.06 | 1Y Target Price 183.45 | ||
Volume (30-day avg) 14 | Beta 1.01 | 52 Weeks Range 116.85 - 177.15 | Updated Date 12/29/2025 |
52 Weeks Range 116.85 - 177.15 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 1.21% | Basic EPS (TTM) 10.22 |
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 16.06 | Forward PE 14.12 | Enterprise Value 21577201664 | Price to Sales(TTM) 2.33 |
Enterprise Value 21577201664 | Price to Sales(TTM) 2.33 | ||
Enterprise Value to Revenue 2.66 | Enterprise Value to EBITDA - | Shares Outstanding 196673933 | Shares Floating 174390776 |
Shares Outstanding 196673933 | Shares Floating 174390776 | ||
Percent Insiders 10.57 | Percent Institutions 79.68 |
Upturn AI SWOT
Raymond James Financial Inc.
Company Overview
History and Background
Raymond James Financial, Inc. was founded in 1962 by Robert G. James in St. Petersburg, Florida, initially as a small investment firm. It grew through organic expansion and strategic acquisitions, becoming a diversified financial services company. Key milestones include its IPO in 1983, expansion into various financial services like investment banking, asset management, and wealth management, and significant acquisitions that have broadened its client base and service offerings.
Core Business Areas
- Financial Services: Provides a wide range of financial services including investment banking, wealth management, capital markets, and trust services to individuals, institutions, and businesses.
- Investment Management: Offers discretionary and non-discretionary investment management services through its various subsidiaries, catering to different client needs.
- Banking Services: Through its subsidiary, Raymond James Bank, N.A., it offers commercial and consumer lending, mortgage lending, and deposit services.
- Insurance Services: Provides life insurance, annuities, and other insurance products through its dedicated insurance agencies.
Leadership and Structure
Raymond James Financial, Inc. is led by a seasoned executive team, withraje Rajan Jain as Chairman and CEO. The company is structured across several operating segments, including Private Client Group, Capital Markets, Asset Management, and Banking & Diversified Businesses, each with dedicated leadership.
Top Products and Market Share
Key Offerings
- Wealth Management Services: Offers comprehensive wealth management solutions, including financial planning, investment advisory, retirement planning, and estate planning. Market share data for specific product lines is not publicly detailed, but the firm is a significant player in the independent advisor channel. Competitors include large wirehouses, independent broker-dealers, and registered investment advisors.
- Investment Banking Services: Provides M&A advisory, equity and debt capital raising, and strategic advisory services to corporations and financial sponsors. Market share is competitive, with key players like Goldman Sachs, Morgan Stanley, and JP Morgan. Raymond James is known for its middle-market focus.
- Asset Management Solutions: Offers a diverse range of investment products and strategies, including mutual funds, ETFs, and separately managed accounts. Competitors are numerous, ranging from BlackRock and Vanguard to smaller specialized asset managers.
- Fixed Income Trading and Distribution: Engages in the trading and distribution of municipal bonds, corporate bonds, and other fixed-income securities. Competitors include large investment banks and specialized fixed-income trading firms.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to significant regulatory oversight. Key trends include the increasing demand for personalized financial advice, the adoption of technology and digital platforms, and ongoing consolidation within the industry. The economic environment, interest rate policies, and global market conditions significantly influence performance.
Positioning
Raymond James Financial is positioned as a diversified financial services firm with a strong emphasis on its Private Client Group, serving a large network of independent financial advisors. Its strengths lie in its advisor-centric model, conservative financial management, and commitment to client service. The company competes with large diversified financial institutions, boutique investment banks, and independent advisory firms.
Total Addressable Market (TAM)
The TAM for financial advisory, investment banking, and asset management services is in the trillions of dollars globally. Raymond James Financial is positioned to capture a significant portion of the U.S. wealth management market, particularly within the independent advisor channel, and the middle-market investment banking segment.
Upturn SWOT Analysis
Strengths
- Strong advisor-centric culture and high advisor retention.
- Diversified business model across wealth management, capital markets, and banking.
- Conservative financial management and strong balance sheet.
- Reputation for integrity and client service.
- Scalable technology infrastructure supporting advisors.
Weaknesses
- Reliance on the independent advisor channel, which can be subject to cyclicality.
- Brand recognition may be less prominent than some of the largest global financial institutions.
- Potential for regulatory changes impacting its business model.
- Integration challenges with past acquisitions.
Opportunities
- Growth in the affluent and high-net-worth client segments.
- Expansion of digital tools and client-facing technology.
- Continued consolidation in the financial advisory space through strategic acquisitions.
- Increasing demand for specialized investment banking services in the middle market.
- Leveraging its banking platform for broader client solutions.
Threats
- Intense competition from wirehouses, independent RIAs, and fintech firms.
- Economic downturns and market volatility impacting asset values and client sentiment.
- Changes in interest rate environments affecting profitability.
- Evolving regulatory landscape and compliance burdens.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Morgan Stanley (MS)
- Charles Schwab Corporation (SCHW)
- Edward Jones
- LPL Financial Holdings Inc. (LPLA)
Competitive Landscape
Raymond James's competitive advantage lies in its strong focus on independent financial advisors, offering them robust support, technology, and a culture that values their autonomy. While larger competitors have broader brand recognition and greater scale, Raymond James excels in serving the independent advisor segment and the middle market for investment banking. Its conservative financial management also sets it apart.
Major Acquisitions
Charles Stanley Group plc
- Year: 2022
- Acquisition Price (USD millions): 199
- Strategic Rationale: To expand Raymond James's presence in the UK wealth management market and acquire a well-established firm with a strong client base and advisor network.
TriActive USA, LLC
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: To enhance its asset management capabilities and expand its product offerings within the institutional and retail markets.
Growth Trajectory and Initiatives
Historical Growth: Raymond James has achieved sustained growth through a combination of organic expansion of its advisor force and strategic acquisitions. Its Private Client Group has been a primary driver, attracting advisors and their clients with its supportive platform. Capital Markets and Asset Management segments have also contributed significantly.
Future Projections: Analyst estimates project continued revenue and earnings growth for Raymond James, driven by ongoing advisor recruitment, expansion into new markets, and potential future acquisitions. The company is expected to benefit from demographic trends favoring wealth accumulation and the need for financial advice.
Recent Initiatives: Recent initiatives include the continued integration of acquired firms, enhancements to its digital advisor and client platforms, and expansion of its banking and lending services to offer more comprehensive solutions.
Summary
Raymond James Financial Inc. is a well-established and diversified financial services firm with a strong focus on wealth management and independent advisors. Its conservative financial approach, robust advisor support, and strategic acquisitions have led to consistent growth and shareholder returns. The company is well-positioned to capitalize on demographic trends in wealth accumulation but faces intense competition and regulatory pressures. Continued investment in technology and advisor services will be crucial for maintaining its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Raymond James Financial Investor Relations
- Company Annual Reports (10-K)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Market Research Reports
Disclaimers:
This information is for informational purposes only and does not constitute investment advice. Financial data and market share figures are estimates and subject to change. Historical performance is not indicative of future results. Investors should conduct their own due diligence before making any investment decisions.
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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