RJF · NYSE · STOCK
Raymond James Financial (RJF) Stock Analysis
$158.40
52W $138.82 – $182.73
57/100
$30.41B
13.5
0.95
Is RJF Bullish or Bearish?
Mixed.
Innellis AI committee rates Raymond James Financial (RJF) Watch with a composite score of 57/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.46 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.54 from today. The band boundary is 45.0, 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
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 13.2 is inexpensive for the broad market — Value
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- 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 October 10, 2026
Overall Committee Score
57/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 70%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.2 is inexpensive for the broad market
− 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
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish 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
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 56.5 to 56.5.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
39.4
Neutral
MACD Histogram
0.165
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$150.74
Resistance
$160.25
Bollinger %B
0.31
Inside Bands
Price vs Moving Averages
EMA 9
$159.20
Below
EMA 21
$162.31
Below
EMA 50
$165.97
Below
EMA 200
$162.37
Below
Fundamental Analysis
Valuation
93
Growth
75
Profitability
69
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
13.5×
P/B Ratio
2.42×
PEG Ratio
1.13
Dividend Yield
1.36%
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 13.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 1.1 (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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