RAYMOND JAMES FINANCIAL INC(RJF)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
RAYMOND JAMES FINANCIAL INC (RJF) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores RJF at 66.3/100 on a 32-signal composite quality model, placing it at rank #428 of 2,960 stocks — the top 25% of the AI-ranked universe. RJF scores in the top quartile across revenue scale (91.3). Areas of concern include earnings quality (22.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 44.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), RAYMOND JAMES FINANCIAL INC reports quarterly revenue of $3.9B, net income of $595.0M, an operating margin of 15.2%. Top institutional holders of RJF by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, WELLINGTON MANAGEMENT GROUP LLP, based on the most recent SEC filings. RJF trades on the NYSE exchange and files with the SEC under CIK 720005. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RJF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for RAYMOND JAMES FINANCIAL INC directly from SEC EDGAR.
AI Quality Score
66.3/100
AI Rank
#428
Revenue
$3.9B
Net Income
$595.0M
Free Cash Flow
$-308.0M
Operating Margin
15.2%
RJF key financials by period
RAYMOND JAMES FINANCIAL INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$14.1B
$2.1B
—
FY 2024
10-K
$12.8B
$2.1B
—
FY 2023
10-K
$11.6B
$1.7B
19.6%
FY 2022
10-K
$11.0B
$1.5B
18.4%
FY 2021
10-K
$9.8B
$1.4B
18.4%
FY 2020
10-K
$8.0B
$818.0M
13.2%
Institutions holding RJF
Institutional investors reporting a position in RAYMOND JAMES FINANCIAL INC on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-05 — Q3 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
RJF's fiscal Q3 2026 total revenue rose to $4.36B (+14% YoY) as net income available to common shareholders jumped 37% to $595M, fueled by broad segment growth and the Clark Capital and GreensLedge acquisitions.
Biggest Revenue Drivers
Private Client Group$2.86B+14% YoY
Higher asset management fees from growth in PCG fee-based client assets via market appreciation and advisor recruiting/retention, plus increased brokerage activity.
Bank$847M+1% YoY
Higher average interest-earning assets, particularly securities-based and residential mortgage loans.
Biggest Revenue Drivers
Total revenue: $4.36B+14% YoY
Private Client Group$2.86B+14% YoY
Higher asset management fees from growth in PCG fee-based client assets via market appreciation and advisor recruiting/retention, plus increased brokerage activity.
Bank$847M+1% YoY
Higher average interest-earning assets, particularly securities-based and residential mortgage loans.
Capital Markets$500M+23% YoY
Higher M&A/advisory, debt and equity underwriting activity, plus incremental GreensLedge revenue.
Asset Management$362M+24% YoY
Growth in PCG fee-based assets from market appreciation and net inflows, plus two months of incremental Clark Capital revenue.
Other and intersegment eliminations-$208MNM
Reflects intersegment RJBDP fee eliminations and the Other segment's net interest expense; not a core operating driver.
Largest Expense Items
Compensation, commissions and benefits$2,579M+17% YoY
Higher commissions on increased asset management fees and brokerage revenue, plus growth-related costs including Clark Capital/GreensLedge and PCG advisor recruiting/retention.
Non-compensation expenses$599M-5% YoY
Prior-year quarter included a $58M legal settlement that did not recur, plus a $26M bank loan benefit for credit losses versus a $15M provision a year ago.
Interest expense$434M-2% YoY
Lower bank deposit interest expense from rate cuts, partially offset by higher senior notes interest following September 2025 issuance.
Margins: Pre-tax margin expanded to 19.1% from 16.6% (adjusted 19.9% vs 17.1%), but the compensation ratio rose to 65.7% from 64.8% as revenue mix shifted toward higher-payout asset management and brokerage fees while lower-payout interest income declined.
Watch Items from the Filing
An SEC Enforcement inquiry into cash sweep practices (since August 2024) and a consolidated class action over RJBDP rates remain pending; plaintiffs filed for class certification on May 21, 2026.
Bank deposits exceeding the FDIC insurance limit grew to $10.86B (up from $9.78B at September 30, 2025) as ESP and RJBDP balances expanded.
RJBDP fees earned from third-party banks fell 11% YoY to $98M as client cash balances continue shifting toward RJF's own Bank segment and the ESP program.
RJF repurchased $400M of common stock in the quarter at an average price of $152/share, leaving $1.1B available under its $2B authorization.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
