RJF Stock Analysis — Raymond James Financial
Sector: Financials
AI Verdict
RJF trades cheap for the growth you're getting, and if its advisor-centric moat keeps earnings on track, the numbers look compelling.
Competitive Moat
Raymond James builds stickiness through its advisor-centric model, offering robust support and technology that helps retain top financial advisors and their client assets. This network effect and high switching costs for advisors create a defensible position in wealth management.
Summary
RJF is notable for trading at just 12.1x next year's earnings while analysts expect nearly 29% EPS growth.
Where It Stands
The stock has delivered a 4.22% 1-year return, sits at a neutral RSI of 59.8, and trades at 12.1x forward earnings versus the sector median of 14x.
Key Metrics
- RSI: 59.8 — Neutral
- Trailing P/E: 15.6x
- Forward P/E: 12.1x
- PEG Ratio: 0.52
- Earnings Growth: +0.3%
- Revenue Growth: +0.1%
- Market Cap: $32.2B
- Dividend Yield: 0.01%
- 1-Year Return: 4.22%
- 52-Week High: $177.66
- 52-Week Low: $138.82
Analyst Consensus
8 Buy · 10 Hold · 0 Sell (18 analysts)
Bull Case
With forward EPS growth expected at 28.9% and a forward P/E of 12.1x, you're paying a low price for rapid earnings expansion if advisor retention holds up.
Bear Case
If the P/E multiple reverts to the sector median of 14x after a 4.22% annual return, upside is limited unless the 28.9% EPS growth actually materializes.
Catalyst to Watch
Watch quarterly advisor retention and net new assets — if either falters, the case for a below-sector P/E evaporates.