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RJRJF

Raymond James Financial, Inc.

$RJF·$33B·Financial - Capital Markets·Financial Services
$177.18+2.1%YTD+8.3%1Y+3.7%
Mentions · last 7 days
2026-07-21: 1 posts2026-07-22: 21 posts2026-07-23: 7 posts2026-07-24: 1 posts2026-07-25: 0 posts2026-07-26: 1 posts2026-07-27: 4 posts350%
Price updated 6m ago·X counts updated 23h ago
RJRJF
$RJFRaymond James Financial, Inc.
$177.18+2.06%35 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $RJF, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-28

The move is getting stronger, with heavier trading behind it.

Raymond James delivered a Q3 beat with record revenues and provision benefit — the wealth-management compounder is at 90th-percentile-of-range.

Raymond James Financial is a diversified financial-services firm — wealth management, capital markets, and banking. Up 8% YTD and 4% T12M, sitting at 90th percentile of the 52-week range after the Q3 beat with record revenues.

This is what a real-business + accelerating wealth-management compounder looks like:

  • The Q3 print was a clean beat: Raymond James Q3 earnings beat on higher revenues and provision benefit with EPS of $3.14 above the $2.93 estimate (+7%) plus record revenues shows continued operational execution — that's the boring-compounder pattern working.
  • The financials support the setup: quarterly EPS steady at $2.76-$3.06 with revenue steady at $4.13-4.36B (with Q3 higher), consensus FY26 EPS of $12.12 growing to consensus FY27 — that's real earnings on a business trading at 14.2x TTM P/E, one of the cheapest wealth-management multiples with real EPS growth.
  • The tape confirms institutional accumulation: 90th percentile of the 52-week range, 10% above the 50-day and 10% above the 200-day MA — plus record revenues framing plus continued strategic acquisitions commentary validates the compounder positioning.

The Oct 28 print is the next trigger. Continued wealth-management fee growth plus commentary on Client Assets Under Administration and any hard M&A pipeline extends the setup; anything soft on wealth management or investment banking and the 90th-percentile setup gives back. Real wealth-management setup at real accelerating tape — the print rewards continued execution.

Agrees with X sentimentThe X coverage (news only) validates that Raymond James delivered Q3 beat on higher revenues and provision benefit with record revenues plus strategic acquisitions — this is a legitimate wealth-management compounder setup. Agree without qualification.

What to watch: Oct 28 Q4 fiscal earnings — total revenue, wealth management fee growth, investment banking segment, credit quality metrics, Client Assets Under Administration trajectory, and any FY27 initial guide. A fee-growth beat extends the setup; wealth-management or investment banking softness turns it.

On the calendar: 2026-10-28 — Q4 fiscal earnings

Read the AI verdict + X sentiment for $RJF

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Raymond James Financial, Inc. operates as a comprehensive financial services firm, extending a wide array of services to individuals, businesses, and governmental entities throughout the United States, Canada, and Europe. Its diverse operations are categorized into several key segments: Private Client Group, Capital Markets, Asset Management, Banking, and an "Other" category. The Private Client Group division equips clients with various investment solutions, personalized portfolio management, a selection of insurance and annuity products, and mutual funds. This segment also provides essential backing to third-party product partners, covering aspects like sales and marketing support, distribution, accounting, and general administrative assistance. Additionally, it facilitates margin loans and offers securities borrowing and lending services. Within the Capital Markets segment, the company engages in investment banking activities, which include orchestrating equity and debt offerings, along with offering expert advisory services for mergers and acquisitions. It further provides robust brokerage services for both fixed income and equity securities. The Asset Management segment specializes in delivering sophisticated asset and portfolio management services, complemented by administrative support functions such as detailed record-keeping, for both individual (retail) and institutional clients. Raymond James Bank maintains a portfolio of insured deposit accounts and a diverse range of lending products. These include commercial and industrial loans, financing for commercial real estate (CRE) and CRE construction, tax-exempt loans, residential mortgages, and securities-based loans. The bank also plays a role in loan syndication. Finally, the Other segment encompasses the firm's private equity activities, comprising direct investments and those made through third-party private equity funds, as well as the management of legacy private equity portfolios. Established in 1962, the company's corporate headquarters are situated in St. Petersburg, Florida.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $RJF.

Financial - Capital Markets · Financial Services

No material change from last week — Robinhood reporting its highest single-day signups confirms the retail infrastructure layer directly benefits from high-profile IPO cycles.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+4.8%YTD
+7.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
14.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
13.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
24.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
66.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 22, 2026$3.14$2.93+7.2%
Q1 2026Apr 22, 2026$2.83$2.76+2.5%
Q4 2025Jan 28, 2026$2.86$2.83+1.1%
Q3 2025Oct 22, 2025$3.11$2.83+9.9%
Next earningsWed, Oct 28·consensus EPS $3.37

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY26$4.4B+15.2%66.2%17.2%$3.06$0
Q2 FY26$4.3B+12.4%90.5%17.2%$2.76$1.1B
Q1 FY26$4.2B+4.9%89.4%17.4%$2.85$-56.0M
Q4 FY25$4.1B+4.5%88.6%17.7%$3.02$752.0M

Forward consensus

4-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$15.7B$15.5B – $15.8B$12.12$11.39 – $12.337
FY27$17.5B$16.7B – $17.9B$14.22$12.40 – $15.087
FY28$18.8B$17.1B – $20.0B$16.57$15.30 – $17.844
FY29$20.8B$20.0B – $21.4B$20.49$19.41 – $21.162

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.90%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+10.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+9.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 172.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.945-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMar 19Allaire Bella LoykhterChief Admin Officer29.6K sh$4.2MSellFeb 4Jonathan N SantelliEVP, General Counsel4.5K sh$767K
+ 17 other (10 awards · 4 exempts · 2 gifts · 1 inkind) in window

See when $RJF insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsJun 263
AI summary

JAMES THOMAS A filed an initial Form 3 as a 10%+ owner of RJF, disclosing initial beneficial ownership of securities as of the event date. This is a standard Section 16 reporting obligation triggered by the relationship with the issuer. Routine administrative filing with no indication of open-market transactions.

8-KPress release / Reg FDJun 248-K — Item 7.01: Press release / Reg FD
AI summary

RJF filed an 8-K under Reg FD (Item 7.01), disclosing material non-public information simultaneously to all investors. This is typically an investor presentation, conference slides, or press release furnished as an exhibit. Reg FD filings ensure equal access to information for all investors; the substantive data is in the attached exhibit.

8-KPress release / Reg FDMay 278-K — Item 7.01: Press release / Reg FD
AI summary

RJF filed an 8-K under Reg FD (Item 7.01), disclosing material information simultaneously to all investors. Disclosure: Investor Day on Wednesday, May 27, 2026, beginning at 1:00 p. This is typically an investor presentation or press release furnished as an exhibit; the substantive data is in the attached exhibit.

8-KPress release / Reg FDMay 208-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMay 198-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMar 258-K — Item 7.01: Press release / Reg FD
8-KShareholder voteFeb 238-K — Item 5.07: Shareholder vote · Item 7.01: Press release / Reg FD
8-KPress release / Reg FDFeb 188-K — Item 7.01: Press release / Reg FD
+ 10 other (2 earnings 8-Ks · 2 13Fs · 2 10-Qs · 2 13Gs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Raymond James Q3 Earnings Beat on Higher Revenues, Provision Benefitzacks.com·5d agoRaymond James Financial, Inc. (RJF) Q3 2026 Earnings Call Transcriptseekingalpha.com·6d agoRaymond James Financial Inc (RJF) Q3 2026 Earnings Call Highlights: Record Revenues and Strategic Acquisitions Propel Growthgurufocus.com·6d agoRaymond James Financial (RJF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com·6d agoRaymond James Financial Q3 Earnings Call Highlightsmarketbeat.com·6d ago

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