RJF- Raymond James Financial, Inc.
Financial Services · Asset Management
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 13 analysts
12-Month Price Target
$186.00
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $170.80
Graham Number
√(22.5 × EPS × Book Value)
$130.61
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$26.27
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
9/10
90% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
18.4%Return on equity - measures how efficiently capital is used
Positive profit margin
15.1%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+15.1%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+42.0%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
47.59×Low financial leverage reduces risk of distress
Current ratio above 1
2.11×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$222M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.25%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 28, 2026
43
days
EPS (TTM)
$11.47
P/E (TTM)
14.9
Fwd P/E
12.0
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.25%
5Y Avg Annual
$1.6920
Last Payment
$0.5400
Ex-Date
07/01/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest07/01/2026 | 07/15/2026 | $0.5400 | 1.26% |
04/01/2026 | 04/15/2026 | $0.5400 | 1.26% |
01/02/2026 | 01/16/2026 | $0.5400 | 1.26% |
10/01/2025 | 10/15/2025 | $0.5000 | 1.17% |
07/01/2025 | 07/15/2025 | $0.5000 | 1.17% |
04/01/2025 | 04/15/2025 | $0.5000 | 1.17% |
01/02/2025 | 01/16/2025 | $0.5000 | 1.17% |
10/01/2024 | 10/15/2024 | $0.4500 | 1.05% |
Magic Number
Shares needed to self-fund your next purchase
$170.80
Price
$0.5400
Last div. (quarterly)
317
shares
Own 317 RJF shares ($54,143.60) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$54,143.60
New shares / year
+4 shares
Dividend Calculator
1.26% yieldEstimate RJF dividend income at the current rate.
Per year
$126.46
Per month
$10.54
≈ 58.5 shares at $2.16/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
RJF vs Peers, Indexes & Commodities
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Raymond James Financial, Inc.
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.
Sector
Financial Services
Industry
Asset Management
Location
Saint Petersburg, United States
Employees
19,500
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Raymond James Financial, Inc. (RJF) stock trades at $170.80, down 1.53% on the day. With a market capitalization of $32.81 billion, RJF is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 14.9, a forward P/E of 12.0 and earnings per share (EPS) of $11.47. Over the most recent period the company reported 15% year-over-year revenue growth and a net profit margin of 15.1%. Below you'll find RJF's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
RJF - Frequently Asked Questions
Is Raymond James Financial, Inc. (RJF) a good stock to buy in 2026?
Raymond James Financial, Inc. (RJF) shows strengths such as revenue growth of 15%, a strong 15% net margin and a 18% return on equity, while risks include high leverage (debt/equity of 47.6). Whether RJF is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is RJF's stock price today?
Raymond James Financial, Inc. (RJF) trades at $170.80, down 1.53% on the session. Prices on this page update throughout the trading day.
Does RJF pay a dividend?
Yes. Raymond James Financial, Inc. pays an annual dividend of $2.16 per share, a dividend yield of 1.25%. The most recent ex-dividend date was October 1, 2026. Its payout ratio is about 18% of earnings.
Is RJF overvalued?
With a P/E ratio of 14.9×, RJF trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.85 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is RJF's market cap?
Raymond James Financial, Inc. (RJF) has a market capitalization of $32.81 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.