RJF
Financial ServicesRaymond James Financial, Inc. · Financial - Capital Markets · $30B
What is Raymond James Financial, Inc.?
Raymond James Financial is a large-cap diversified financial services firm serving individuals, corporations, and municipalities across the United States, Canada, and Europe. Founded in 1962 and headquartered in Saint Petersburg, Florida, the company has built a broad platform spanning wealth management, investment banking, and banking services.
Raymond James generates revenue across several business lines. Its Private Client Group connects individual investors with financial advisors, portfolio management, insurance products, and lending services. The Capital Markets segment handles equity and debt underwriting alongside merger and acquisition advisory work. Asset Management provides portfolio oversight for retail and institutional clients. Raymond James Bank rounds out the platform with deposit accounts, commercial real estate loans, and other lending products — giving the firm multiple ways to serve clients across market cycles.
Raymond James was founded in 1962 and is headquartered in Saint Petersburg, Florida.
- Private client wealth management and financial advisory services
- Equity and debt underwriting plus M&A advisory
- Institutional and retail asset management
- Commercial and residential banking and lending
- Private equity investments and legacy fund management
Is RJF a Good Stock to Buy?
UQS Score rates RJF as Good overall, reflecting a balanced but mixed picture across its five quality pillars.
The Quality pillar lands at Good, suggesting the business generates reasonably dependable earnings relative to its financial services peers. Valuation is rated Attractive, meaning the stock does not appear to carry an excessive premium — a meaningful consideration for investors weighing entry points in the sector.
Growth and Risk both register as Weak, pointing to limited near-term expansion momentum and elevated risk factors that investors should weigh carefully. The Moat pillar sits at Neutral, indicating no decisive competitive edge over peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RJF pay dividends?
Yes — Raymond James Financial, Inc. pays a dividend.
Raymond James pays a regular dividend, consistent with its profile as a mature, diversified financial services firm. The dividend reflects management's willingness to return capital to shareholders alongside reinvestment in the business. For income-oriented investors, the cadence and history of payments are worth reviewing on the company's investor relations page.
When does RJF report earnings?
Raymond James Financial reports earnings on a quarterly cadence, typical for US-listed financial services companies.
The firm's quarterly results tend to reflect conditions across wealth management, capital markets activity, and net interest income from its banking segment. Each of these revenue streams can move independently, giving the overall earnings picture a diversified character. For the most current results, check the company's investor relations page.
For the most recent quarter's results, visit Raymond James Financial's official investor relations page.
RJF Price History
+87.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Raymond James Financial, Inc.?
Based on Raymond James Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RJF Long-term Outlook
The UQS Growth pillar rating of Weak suggests Raymond James is not expected to deliver outsized expansion in the near term relative to sector peers. The Weak Risk rating adds a layer of caution, as macro sensitivity — particularly to interest rate shifts and capital markets volumes — can weigh on results. That said, the Attractive Valuation label indicates the market may already be pricing in some of these headwinds, which could limit downside for patient investors focused on fundamentals.
Growth drivers
- Expansion of the Private Client Group advisor network and client assets
- Recovery in capital markets activity driving underwriting and advisory fees
- Net interest income growth through Raymond James Bank's lending portfolio
Key risks
- Interest rate volatility affecting net interest margins and loan demand
- Slowdowns in equity and debt capital markets reducing fee revenue
- Regulatory and compliance costs inherent to diversified financial services firms
RJF vs Peers
Raymond James competes across wealth management, capital markets, and financial technology with a range of firms at different stages of development.
Circle operates in digital financial infrastructure rather than traditional brokerage, representing a technology-native alternative to established wealth and capital markets platforms.
LPL focuses almost exclusively on independent financial advisor support and platform services, making it a more concentrated competitor to Raymond James's Private Client Group.
Tradeweb is an electronic fixed income and derivatives marketplace, competing with Raymond James's capital markets and fixed income brokerage capabilities through a technology-first model.
Frequently Asked Questions
What does Raymond James Financial do?
Raymond James Financial is a diversified financial services company offering wealth management, investment banking, asset management, and banking services. It serves individual investors through financial advisors, helps corporations raise capital, and provides commercial and residential lending through Raymond James Bank.
Does RJF pay dividends?
Yes, Raymond James Financial pays a regular dividend. The company has maintained a dividend program consistent with its profile as a mature financial services firm. Investors seeking income should review the current dividend rate and payment schedule on the company's investor relations page.
When does RJF report earnings?
Raymond James Financial reports on a quarterly cadence, as is standard for US-listed financial companies. Exact dates vary each quarter. For upcoming earnings dates and recent results, refer to the company's investor relations page or a financial data provider.
Is RJF a good stock to buy?
UQS Score rates RJF as Good overall. The Valuation pillar is Attractive and Quality is Good, but Growth and Risk both register as Weak. Whether that profile fits your portfolio depends on your investment goals and risk tolerance. The full pillar breakdown is available to UQS Pro members.
Is RJF overvalued?
The UQS Valuation pillar for RJF is rated Attractive, suggesting the stock is not trading at an excessive premium relative to its fundamentals. This does not guarantee price appreciation, but it indicates the market has not assigned an inflated multiple relative to what the business delivers.
How does RJF compare to its competitors?
Raymond James competes with firms like LPL Financial in independent advisor services and with capital markets platforms like Tradeweb. Its diversified model — spanning advisory, banking, and asset management — differentiates it from more narrowly focused peers, though that breadth also introduces more varied risk exposures.
What is RJF's market cap bracket?
Raymond James Financial is classified as a large-cap company, reflecting its scale and long-standing position in the US financial services industry. Large-cap firms generally offer more liquidity and stability than smaller peers, though they may grow more slowly.
Who founded Raymond James Financial?
Raymond James Financial was founded in 1962. The firm's founding history and leadership background are widely documented and available through the company's official website and public filings.
Is RJF a long-term quality investment?
As a long-term quality indicator, RJF's UQS profile is mixed. Quality and Valuation are constructive, but Weak Growth and Risk ratings suggest investors should monitor how the business navigates interest rate cycles and capital markets conditions over time. The full analysis is available to Pro members.
What is the main competitive advantage of Raymond James Financial?
Raymond James's breadth across wealth management, capital markets, and banking gives it multiple revenue streams that can partially offset weakness in any single area. Its large independent advisor network and long-standing client relationships also provide a degree of stickiness, though the UQS Moat pillar rates this advantage as Neutral.
What sector does RJF belong to?
Raymond James Financial belongs to the Financial Services sector. Within that sector, it operates across wealth management, investment banking, and commercial banking — making it one of the more diversified mid-to-large players in US financial services.
Unlock Full RJF Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the complete five-pillar UQS Score breakdown
- ✓Access detailed financial metrics and trend data
- ✓Compare RJF against sector peers side by side
- ✓Screen for Attractive-valuation financial stocks
- ✓Get the full analyst-style quality report for RJF
Pro Analysis
RJF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 54.8 | 70.0 | 44.0 | 37.7 | 34.7 | 90.6 | +1.9 |
| May 7, 2026 | 52.9 | 62.3 | 44.0 | 37.7 | 35.8 | 89.4 | -0.1 |
| May 3, 2026 | 53.0 | 62.3 | 44.0 | 37.7 | 35.8 | 90.1 | -0.1 |
| May 1, 2026 | 53.1 | 62.3 | 44.0 | 37.7 | 35.8 | 90.7 | 0.0 |
| Apr 26, 2026 | 53.1 | 62.3 | 44.0 | 37.5 | 35.8 | 90.8 | 0.0 |
| Apr 25, 2026 | 53.1 | 62.3 | 44.0 | 37.4 | 35.8 | 90.9 | +0.3 |
| Apr 19, 2026 | 52.8 | 62.3 | 44.0 | 36.3 | 35.8 | 90.8 | -0.1 |
| Apr 18, 2026 | 52.9 | 62.3 | 44.0 | 36.3 | 35.8 | 91.2 | -0.4 |
| Apr 14, 2026 | 53.3 | 62.3 | 44.0 | 36.3 | 35.8 | 94.2 | -0.2 |
| Apr 12, 2026 | 53.5 | 62.3 | 44.0 | 36.3 | 35.8 | 95.2 | -0.6 |
RJF — Pillar Breakdown
Quality
— 70.2/100 (25%)Raymond James Financial, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.2/100 (20%)Raymond James Financial, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 34.7/100 (15%)Raymond James Financial, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.8/100 (15%)Raymond James Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 44/100 (25%)Raymond James Financial, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RJF.
Score Composition
Financial Data
More Stock Analysis
How is the RJF UQS Score Calculated?
The UQS (Unified Quality Score) for Raymond James Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Raymond James Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Raymond James Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.