GROWTH
Top line decelerating.
+8.0% YoY versus +14.8% prior. 3y CAGR +12.6%.
+8.0%
Raymond James Financial, Inc. RJF
Financial Services · Market Cap: $30.1B
$155.86▼ 2.91 (1.83%)
Fundamentals as of 2025-09-30
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Financial Services · Market Cap: $30.1B
Fundamentals as of 2025-09-30
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
1 of 3 legendary models say BUY RJF — but Warren Buffett & Charlie Munger disagree.
What would legendary investors pay for RJF?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
The Question
+8.0% YoY versus +14.8% prior. 3y CAGR +12.6%.
+8.0%Net margin 13.4% versus 14.0% prior (−0.6pp). Operating 28.7%.
13.4%P/E 14.3x — 3% below the 5y median of 14.8x. Forward 13.1x hints at EPS expansion next year.
Bottom line: RJF is flagged as overvalued by 2 of 3 legendary models, with 1 BUY and 0 HOLD, but earns a B sector grade (60/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
Mixed — Raymond James Financial, Inc. has 17.1% ROE but D/E 6.06.
Financial story
Mixed — Raymond James Financial, Inc.'s 17.1% ROE is strong, but its 6.06 debt-to-equity is elevated.
How does RJF compare?
Buffett, Lynch, and Munger evaluate RJF against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
RJF's P/E ratio is 13.8x. 5-year P/E history is in the financials tab.
1 of 3 legendary models say BUY. Full breakdown by investor and signal is in the valuation tab.
RJF's earnings calendar and history are tracked in the financials tab. Specific dates depend on company-published guidance.
RJF is in the Financial Services sector. Sector ranking and peer comparison are in the sector tab.
1 of 3 legendary investor models rate RJF a BUY. Fair value estimates and full investor breakdown are in the valuation tab.
See exactly where RJF ranks
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Sign in to see the rankingRJF sits at #16 in Financial Services with a B grade (60/100).
