Fundamentals · 2026-09-09S&P 500ANNUAL BASIS

Raymond James Financial

RJF stock analysis · Financials · Investment Banking & Brokerage

FY 2025-09-30ANNUAL FILINGS
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These are research estimates based on annual filings. Valuation uses a cash-flow proxy and explicit assumptions; prices are not live. Published valuations use annual periods first filed by the price date, with later restatements retained.
Reference share price · USD
$152.03HISTORICAL SNAPSHOT

As of · fund-implied per-share value

Fund holding value ÷ shares held. Not a live quote; not adjusted for later stock splits.

View SEC fund filing ↗
Estimated issuer market cap
$29.2B

Price × SEC outstanding shares. Shares measured 2026-06-30. Approximate; share and price dates can differ.

View share-count filing ↗
Valuation

DCF value

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Reverse DCF

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Relative valuation

25.0%

69 sector peers · median 17.1×

How this is calculated ↗
Valuation

Historical multiples

14.9×

7 annual observations · snapshot P/E 13.7× · -7.7% versus history

How this is calculated ↗
Valuation

Free cash flow yield

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Quality

ROIC / quality

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Value composite

Requires three valuation yields and at least five covered sector peers.

Requires three valuation yields and at least five covered sector peers.

How this is calculated ↗
Momentum

12–1 price momentum

Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

How this is calculated ↗
Investment

Asset growth

6.3%

Annual basis · read assumptions below

How this is calculated ↗
Investment

Net payout yield

Requires reported dividends, repurchases and issuance; missing values are not zero.

Requires reported dividends, repurchases and issuance; missing values are not zero.

How this is calculated ↗
Quality

Accrual quality

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Momentum

Fundamental momentum

Requires two adjacent years of revenue, operating income and cash flow.

Requires two adjacent years of revenue, operating income and cash flow.

How this is calculated ↗

Follow the cash

ANNUAL · USD

Operating cash flow and reinvestment over time

USD · bar maximum 6.6B2020-09-30: cfo $4,073,000,000.002020-09-30: capex $124,000,000.0020202021-09-30: cfo $6,647,000,000.002021-09-30: capex $74,000,000.0020212022-09-30: cfo $72,000,000.002022-09-30: capex $91,000,000.0020222023-09-30: cfo -$3,514,000,000.00 (negative; lower scale compressed)2023-09-30: capex $173,000,000.0020232024-09-30: cfo $2,155,000,000.002024-09-30: capex $205,000,000.0020242025-09-30: cfo $2,434,000,000.002025-09-30: capex $188,000,000.002025
Operating cash flowCapital expenditure

Annual USD. Negative bars use a compressed lower scale. Hover or inspect the financial history table for exact values.

Make the assumptions yours

Personal inputs stay in this browser. Blank fields retain published inputs. Five-year forecast; zero net borrowing. Required return must exceed terminal growth.

How sensitive is the valuation?

DCF per-share sensitivity · includes reviewed preferred and minority-owner claims · rows: required return · columns: growth
Return / Growth3.0%5.0%7.0%
8.0%
10.0%
12.0%

Annual financial history

Open SEC filings ↗
Fiscal year-endRevenueNet incomeOperating cash flowCapital expenditureAssets
2025-09-3015.9B2.1B2.4B188M88.2B
2024-09-3014.9B2.1B2.2B205M83B
2023-09-3013B1.7B-3.5B173M78.4B
2022-09-3011.3B1.5B72M91M81B
2021-09-309.9B1.4B6.6B74M61.9B
2020-09-308.2B818M4.1B124M47.5B
2019-09-308B1B577M138M38.8B
2018-09-307.5B850.9M884M134M37.4B

USD, abbreviated. Restated annual history; not a point-in-time backtest. Missing values appear as dashes.

Trace the inputs

MODEL ANNUAL PERIOD
InputValueSEC tag / sourceFiled
revenue15.9BRevenues2025-11-25
netIncome2.1BNetIncomeLoss
Parent-attributable fallback: a verified consolidated total is unavailable in the supported tags. Noncontrolling interests have not been assumed to be zero; this may differ in scope from consolidated cash flow or operating income.
2025-11-25
Parent/common earnings proxy2.1BNetIncomeLossAvailableToCommonStockholdersBasic2025-11-25
cfo2.4BNetCashProvidedByUsedInOperatingActivities2025-11-25
capex188MPaymentsToAcquirePropertyPlantAndEquipment2025-11-25
operatingIncomeNot reported under a supported tag
assets88.2BAssets2025-11-25
equity12.5BStockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Explicit consolidated amount, including the portion attributable to noncontrolling interests.
2025-11-25
Parent book equity proxy12.5BStockholdersEquity2025-11-25
debtNot reported under a supported tag
shortDebtNot reported under a supported tag
cash11.4BCashAndCashEquivalentsAtCarryingValue2025-11-25
shares206.6MWeightedAverageNumberOfDilutedSharesOutstanding2025-11-25
dividendsNot reported under a supported tag
buybacksNot reported under a supported tag
issuance31MReviewed manual correction
Bounded FY2025-09-30 consolidated financing-statement extraction. Exercise of stock options and employee stock purchases: 31000000 USD [us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions]. All 10 financing lines reconcile exactly to reported financing cash flow 2361000000 USD. Cash inflows from common shares, employee plans and option exercises are summed once as displayed on the statement; noncash compensation, withholding payments, preferred and noncontrolling interests are excluded. This review applies only to this issuer and fiscal period. Source limitation: the statement also aggregates other financing cash flows (net -6000000 USD). Their common-equity portion is not separately disclosed here. Issuance is the sum of separately reported common cash-issuance lines, not an independently verified gross total; additional equity flows may be inside those aggregates.
2025-11-25