Raymond James Financial, Inc. (RJF)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Raymond James as a diversified financial-services platform: private client advice, capital markets, asset management, and banking, with 19,500 employees across the U.S., Canada, and Europe. The business has a diversified mix, but the supplied numbers do not prove a wide moat. The operating record is strong. In fiscal Q3 2026, the quarter ended 2026-06-30, revenue was $4.4B, net income $595.0M, and diluted EPS $3.01, versus revenue $3.8B, net income $436.0M, and diluted EPS $2.12 in fiscal Q3 2025, the quarter ended 2025-06-30. That is roughly 16% revenue growth and 37% net income growth. FairStock classifies RJF as a FAST GROWER because profit grew 21.2% a year over five years and revenue 14.3%. Returns are attractive: FairStock shows ROE of 18.42% and FCF of $1.4B, a 4.7% FCF yield. Leverage, with D/E of 0.48, looks manageable. But quality signals are mixed: FairStock's ROCE is only 2.58%, Piotroski F-score is 3/9, and Altman Z-score is 0.49. At the 2026-10-26 close of $158.07, FairStock's P/E is 13.78, P/B is 2.39, PEG is 0.38, and the Graham Number is $130.61, leaving a -20.74% margin of safety—so the price is above that conservative value marker. My conclusion: a good, growing franchise with a fair-to-full price and some balance-sheet caution flags. I would want more consistent financial-strength scores before calling it a bargain.

In plain English: Raymond James is a financial services company that helps people, companies, and local governments with financial advice, investments, banking, and market services. The business looks strong and profitable, with recent growth and good profits, but some financial-strength signals are mixed. At the $158.07 close on 2026-10-26, the stock looks closer to fair than cheap versus its earnings, and it trades above a conservative value estimate.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer