Bull Rankings model

Raymond James Financial, Inc. (RJF) stock analysis

Asset Management. Scored on the same transparent model behind the daily rankings.

★
RJF
Raymond James Financial, Inc. · Asset Management
74.4Asset manager strength
$156.76Oct 13 close$30.1B
1Y Target$185.43Analyst consensus · 14 analysts
5Y Target$234.10Compound horizon
10Y Target$300.23Long-dated conviction
Rev+9.5%
B
Revenue +9.5% — at or above S&P median
P/E13.8x
B
P/E 13.8 — near the Financial Services median (≈60th pctile)
ROE18.4%
B+
ROE 18.4% — above long-run market (~13%)
P/B2.40
C+
P/B 2.40 — richly valued vs book
Yield1.4%
C+
Yield 1.4% — small income component

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 74.4 / 100
Profitability85.2
Value (P/E)81.5
Income47.0

A peer-relative read for asset managers on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
14% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Asset Management · market cap $30.1b. 14% off the 52-week high of $182.73. PEG 0.78 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $185.43 (implying +18% upside).
Moat
Net margin 15% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 18% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $185.43 (14-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $234.10 at ~8% CAGR — dividend + buyback compounding. 10 yr $300.23 if the moat survives secular pressure.

Not enough history yet — the model records RJF's score after each daily run, and the chart appears once a few days have accumulated.

RJF at a glance

FINANCIAL STRENGTH · ASSET MANAGERPROFITABILITY85VALUE81COVERED INCOME4774.4/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$157LOW $139HIGH $183Trading at the 41st percentile of its 52-week range ($139–$183).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-1%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.3%
90-day change+0.9%
Forward EPS estimate$14.24

Over the last 90 days, what analysts expect RJF to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
12
Position size
$1,881
3.8% of portfolio
Stop price
$117.57
25% below $156.76
$ at risk if stopped
$470.28
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Raymond James Financial, Inc. (RJF): score, valuation & FAQ

Raymond James Financial, Inc. (RJF) is an Asset Management company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (B+).

Is RJF a good stock to buy?

Bull Rankings grades RJF on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (B+). A score is a quantitative screen of Raymond James Financial, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade RJF?

As a bank, insurer or REIT, RJF isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (B+).

Is RJF overvalued or undervalued?

We don't publish a discounted-cash-flow value for RJF, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. RJF is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in RJF?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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