RJF vs WTFC
Raymond James Financial vs Wintrust Financial — AI-powered side-by-side comparison
RJF
Raymond James Financial
59
Buy
VS
WTFC
Wintrust Financial
69
Buy
| Metric | RJF | WTFC |
|---|
| AI Score |
59
|
69
|
| Price |
$176.55
|
$158.77
|
| P/E Ratio |
15.10×
|
12.57×
|
| ROE |
17.1%
|
11.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
83.5%
|
63.6%
|
| Debt / Equity |
0.42×
|
0.58×
|
| Dividend Yield |
1.2%
|
1.4%
|
| RSI (14) |
57.0
|
41.1
|
| Beta |
0.939
|
0.838
|
| Expected Upside |
+0.6%
|
+2.6%
|
AI Committee View
Current Innellis committee reasoning for RJF versus WTFC.
WTFC leads by 10 points.
WTFC scores 69/100 (Buy) versus RJF at 59/100 (Buy).
RJF Committee View
67% agreement
6 analysts
The primary driver is market regime is bullish (bull market -- normal position sizing). The main limiting factor is high leverage (debt-to-equity 5.14) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.7 is inexpensive for the broad market — Value
- ROE of 17.2% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 5.14) amplifies downside in a stress scenario — Risk
WTFC Committee View
67% agreement
6 analysts
The primary driver is revenue growing 79.3% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 11.9 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Revenue growing 79.3% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical