RJF · NYSE · STOCK
Raymond James Financial (RJF) Stock Analysis
$175.22
52W $138.82 – $182.73
56/100
$33.66B
15.0
0.92
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is RJF Bullish or Bearish?
Bullish.
Innellis AI committee rates Raymond James Financial (RJF) Buy with a composite score of 56/100
, based on 6 analysts with 67% agreement.
Last updated August 24, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +18.72 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -1.28 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
Supporting evidence favours the bullish case. 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 & Bear Case
Bull Case
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 5.14) amplifies downside in a stress scenario — Risk
- Current ratio of 0.28 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 24, 2026
Overall Committee Score
56/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 75%
of 211 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 18.3% shows genuine earnings power backing the valuation
− Debt-to-equity of 5.14 adds balance-sheet risk to the value case
Growth Analyst
bullish
62
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 5.14) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 56.3 to 56.3.
Comparing 2026-08-23 to 2026-08-24 (1 day apart).
Technical Analysis
RSI (14)
42.7
Neutral
MACD Histogram
-1.209
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$150.74
Resistance
$177.51
Bollinger %B
0.26
Inside Bands
Price vs Moving Averages
EMA 9
$177.20
Below
EMA 21
$175.89
Below
EMA 50
$169.72
Above
EMA 200
$160.59
Above
Fundamental Analysis
Valuation
90
Growth
75
Profitability
69
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
15.0×
P/B Ratio
2.68×
PEG Ratio
1.25
Dividend Yield
1.21%
52W High
$182.73
52W Low
$138.82
Quality & Growth
ROE
1707.6%
ROA
242.0%
Gross Margin
8353.8%
Operating Margin
1738.9%
Revenue Growth YoY
—
Debt / Equity
0.42
AI Fundamental Assessment
P/E ratio of 15.0 (inexpensive relative to a 15-40x range); Price-to-book of 2.7x; PEG ratio of 1.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 17.1%; Return on assets of 2.4%; Net margin of 13.6%; Gross margin of 83.5%; Current ratio of 0.36 (tight short-term liquidity); Debt-to-equity of 0.42; Free cash flow per share is positive (11.71); Most recent quarter beat estimates by 6.7%; 2 consecutive earnings beats; EPS growth accelerating (-1.0% -> +11.0% QoQ); Average YoY EPS growth of 44.0%; Analyst estimates flat over recent quarters
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