Raymond James Financial, Inc.RJF
NYSE • Financial Services
$148.42
P/E
14.47
PEG
—
FCF Yield
—
Rev Growth YoY
+398.0% YoY
Gross Margin
8643.0%
Health Score
4/10
D/E Ratio
5.14
Confidence
LOW
Business Snapshot
Raymond James Financial, Inc. (RJF) is a diversified financial services firm operating across investment banking, wealth management, capital markets, and banking segments, serving individual and institutional clients primarily in North America. The company trades on the NYSE under the Financial Services – Capital Markets industry. With a current share price of $148.42 and market cap data unavailable in this payload, the firm's profile based on its sector standing and price level suggests large-cap positioning, though this cannot be confirmed from the data provided.
Financial Health
Score: 4/10 RJF's balance sheet carries meaningful stress. The debt/equity ratio stands at 5.14x, indicating the company is highly leveraged and reliant on borrowed capital to fund operations...
Risk Assessment
- DEBT: Debt/equity ratio of 5.14x indicates the company carries substantial financial leverage, increasing vulnerability to rising interest rates or credit stress.
- LIQUIDITY: Current ratio of 0.28x signals that short-term liabilities are more than three times current assets, raising near-term liquidity questions.
- EARNINGS DETERIORATION: Earnings growth of -28.0% year-over-year despite reported revenue growth of +398.0% suggests cost pressures or structural profit headwinds that are not yet resolved.
- EARNINGS QUALITY: Only 1 of the last 4 quarters beat analyst estimates (25% beat rate), pointing to consistent difficulty meeting market expectations.
- DATA RELIABILITY: Key metrics including TTM Revenue, TTM Net Income, Free Cash Flow, and market cap are unavailable, significantly limiting the ability to perform reliable fundamental analysis.
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**Score: 4/10** RJF's balance sheet carries meaningful stress. The debt/equity ratio stands at 5.14x, indicating the company is highly leveraged and reliant on borrowed capital to fund operations. The current ratio of 0.28x is well below the conventional threshold of 1.0x, suggesting short-term liabilities substantially exceed liquid assets — a concern for near-term solvency flexibility. Free cash flow data is unavailable, and while the reported gross margin of 8,643% and net margin of 1,307% appear extraordinary, these figures are almost certainly a data artefact or reflect unusual accounting classifications in financial services, and should not be interpreted at face value as indicators of robust margin health. ---
- **DEBT:** Debt/equity ratio of 5.14x indicates the company carries substantial financial leverage, increasing vulnerability to rising interest rates or credit stress. - **LIQUIDITY:** Current ratio of 0.28x signals that short-term liabilities are more than three times current assets, raising near-term liquidity questions. - **EARNINGS DETERIORATION:** Earnings growth of -28.0% year-over-year despite reported revenue growth of +398.0% suggests cost pressures or structural profit headwinds that are not yet resolved. - **EARNINGS QUALITY:** Only 1 of the last 4 quarters beat analyst estimates (25% beat rate), pointing to consistent difficulty meeting market expectations. - **DATA RELIABILITY:** Key metrics including TTM Revenue, TTM Net Income, Free Cash Flow, and market cap are unavailable, significantly limiting the ability to perform reliable fundamental analysis. ---
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