Financial Ratios Raymond James Financial, Inc.

Equities

RJF

US7547301090

Investment Banking & Brokerage Services

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158.68 ^USD	+0.81%		-7.82%	-1.19%

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830143474f606290ab3df872d.2MDVZPryKU4aPBkuYIBchXVlVXPZLYYvphUiMCmOGyg.tbD4JomZY3ctXmp9A-wO9gYvFB-NVfde_HJJQE7-Q1igqrIM16RqG2lIXA

Published financial data: RAYMOND JAMES FINANCIAL, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	823M	1.51B	3.75B	4.23B	3.99B
Interest Expense, Total	150M	305M	1.37B	2.1B	1.85B
Net Interest Income	673M	1.2B	2.38B	2.13B	2.15B
Brokerage Commission	1.65B	1.59B	1.46B	1.65B	1.78B
Trading and Principal Transactions	561M	527M	462M	492M	529M
Asset Management Fee	4.87B	5.56B	5.36B	6.2B	7.08B
Underwriting & Investment Banking Fee	1.14B	1.1B	648M	858M	1.07B
Gain (Loss) on Sale of Investments, Total (Rev)	38M	9M	-	-	-2M
Other Revenues, Total	847M	910M	1.34B	1.52B	1.46B
Revenues Before Provison For Loan Losses	9.78B	10.9B	11.64B	12.84B	14.05B
Provision For Loan Losses	-32M	100M	132M	45M	37M
Total Revenues	9.81B	10.8B	11.51B	12.8B	14.02B
Salaries And Other Employee Benefits	6.58B	7.33B	7.22B	8.17B	9.04B
Cost of Services Provided, Total	1.01B	1.23B	1.4B	1.54B	1.72B
Other Operating Expenses	312M	325M	532M	368M	496M
Total Operating Expenses	7.91B	8.88B	9.15B	10.08B	11.26B
Operating Income	1.9B	1.92B	2.36B	2.72B	2.76B
Currency Exchange Gains (Loss)	-21M	102M	-23M	-21M	13M
Other Non Operating Income (Expenses)	-	-	-	-	-
EBT, Excl. Unusual Items	1.88B	2.02B	2.33B	2.7B	2.77B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-19M	-	-85M	-53M	-56M
Gain (Loss) on Sale of Investments	25M	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Insurance Settlements	-	-	32M	-	-
Other Unusual Items	-98M	-	-	-	-
EBT, Incl. Unusual Items	1.79B	2.02B	2.28B	2.64B	2.71B
Income Tax Expense	388M	513M	541M	575M	579M
Earnings From Continuing Operations	1.4B	1.51B	1.74B	2.07B	2.14B
Net Income to Company	1.4B	1.51B	1.74B	2.07B	2.14B
Minority Interest	-	-	-	-	-
Net Income - (IS)	1.4B	1.51B	1.74B	2.07B	2.14B
Preferred Dividend and Other Adjustments	2M	7M	11M	9M	8M
Net Income to Common Incl Extra Items	1.4B	1.5B	1.73B	2.06B	2.13B
Net Income to Common Excl. Extra Items	1.4B	1.5B	1.73B	2.06B	2.13B
Per Share Items
Net EPS - Basic	6.81	7.16	8.16	9.94	10.53
Basic EPS - Continuing Operations	6.81	7.16	8.16	9.94	10.53
Basic Weighted Average Shares Outstanding	206M	210M	212M	207M	202M
Net EPS - Diluted	6.63	6.98	7.97	9.7	10.3
Diluted EPS - Continuing Operations	6.63	6.98	7.97	9.7	10.3
Diluted Weighted Average Shares Outstanding	211M	215M	217M	212M	207M
Normalized Basic EPS	5.72	6.02	6.88	8.14	8.57
Normalized Diluted EPS	5.57	5.87	6.72	7.94	8.38
Dividend Per Share	1.04	1.36	1.68	1.8	2
Payout Ratio	15.54	18.36	20.41	18.52	19.48
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Total Revenues (As Reported)	9.91B	11.31B	12.99B	14.92B	15.91B
Effective Tax Rate - (Ratio)	21.66	25.37	23.73	21.76	21.33
Current Domestic Taxes	400M	497M	590M	617M	589M
Current Foreign Taxes	25M	32M	39M	41M	42M
Total Current Taxes	425M	529M	629M	658M	631M
Deferred Domestic Taxes	-34M	-13M	-75M	-80M	-47M
Deferred Foreign Taxes	-3M	-3M	-13M	-3M	-5M
Total Deferred Taxes	-37M	-16M	-88M	-83M	-52M
Normalized Net Income	1.18B	1.26B	1.46B	1.68B	1.73B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	192M	237M	254M	254M
Stock-Based Comp., Other (Total)	132M	-	-	-	-
Total Stock-Based Compensation	132M	192M	237M	254M	254M

Fiscal Period: September	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	7.2B	6.18B	9.31B	11B	11.39B
Cash & Securities Segregated	11.35B	8.48B	3.24B	3.35B	3.4B
Securities Purchased Under Agreements To Resell	279M	367M	187M	413M	302M
Securities Borrowed	201M	337M	231M	336M	396M
Accounts Receivable, Total	2.83B	2.93B	2.52B	2.71B	2.82B
Other Receivables	26.9B	45.87B	46.37B	48.96B	54.59B
Gross Property Plant And Equipment	1.8B	1.94B	2.19B	2.39B	1.62B
Accumulated Depreciation	-854M	-955M	-1.07B	-1.19B	-675M
Net Property Plant And Equipment	945M	983M	1.12B	1.2B	942M
Goodwill	660M	1.42B	1.44B	1.45B	1.45B
Other Intangibles, Total	222M	509M	470M	435M	707M
Investment In Debt and Equity Securities	8.63B	10.09B	9.46B	8.54B	7.26B
Trading Asset Securities, Total	849M	1.46B	390M	1.55B	1.59B
Loans Held For Sale	145M	137M	145M	184M	416M
Other Current Assets, Total	143M	173M	1.27B	256M	237M
Deferred Tax Assets Long-Term (Collected)	305M	630M	711M	651M	671M
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	1.23B	1.38B	1.49B	1.95B	2.06B
Total Assets	61.89B	80.95B	78.36B	82.99B	88.23B
Liabilities
Accounts Payable, Total	13.99B	11.45B	5.45B	5.82B	5.85B
Accrued Expenses, Total	1.82B	1.79B	1.91B	2.32B	2.6B
Short-Term Borrowings	505M	996M	827M	1.16B	1.3B
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	102M	117M	119M	128M	133M
Long-Term Debt	2.9B	3.33B	3.14B	3.09B	4.22B
Long-Term Leases	348M	365M	420M	405M	405M
Current Income Taxes Payable	51M	28M	17M	-	5M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	506M	1.53B	1.56B	3.73B	25.58B
Deferred Tax Liability Non-Current	-	14M	8M	4M	-
Other Non Current Liabilities	33.36B	51.91B	54.72B	54.66B	35.63B
Total Liabilities	53.59B	71.52B	68.17B	71.32B	75.73B
Preferred Stock Convertible	-	120M	79M	79M	79M
Total Preferred Equity	-	120M	79M	79M	79M
Common Stock, Total	2M	2M	2M	2M	3M
Additional Paid In Capital	2.09B	2.99B	3.14B	3.25B	3.24B
Retained Earnings	7.63B	8.84B	10.21B	11.89B	13.6B
Treasury Stock	-1.44B	-1.51B	-2.25B	-3.05B	-4.02B
Comprehensive Income and Other	-41M	-982M	-971M	-502M	-396M
Total Common Equity	8.24B	9.34B	10.14B	11.59B	12.42B
Minority Interest	58M	-26M	-27M	-6M	1M
Total Equity	8.3B	9.43B	10.19B	11.67B	12.5B
Total Liabilities And Equity	61.89B	80.95B	78.36B	82.99B	88.23B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	206M	215M	209M	204M	197M
ECS Total Common Shares Outstanding	206M	215M	209M	203M	198M
Book Value / Share	40.08	43.41	48.55	57.03	62.7
Tangible Book Value	7.36B	7.41B	8.23B	9.71B	10.27B
Tangible Book Value Per Share	35.79	34.43	39.41	47.75	51.81
Total Debt	3.85B	4.81B	4.5B	4.78B	6.06B
Net Debt	-16.03B	-12.01B	-8.85B	-11.86B	-11.01B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	15K	17K	18K	19K	19.5K

Fiscal Period: September	2021	2022	2023	2024	2025
Net Income	1.4B	1.51B	1.74B	2.07B	2.14B
Depreciation, Depletion & Amortization	51M	50M	51M	58M	68M
Amortization of Goodwill and Intangible Assets - (CF)	21M	33M	45M	44M	41M
Total Depreciation, Depletion & Amortization	72M	83M	96M	102M	109M
Amortization of Deferred Charges, Total	62M	62M	69M	77M	86M
(Gain) Loss on Sale of Investments - (CF)	15M	23M	-49M	-36M	-19M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	-	-	292M	-	-
Stock-Based Compensation (CF)	132M	192M	237M	254M	254M
Tax Benefit from Stock Options	-	-	-	-	-
Provision and Write-off of Bad Debts	-20M	111M	-	21M	122M
Minority Interest in Earnings - (CF)	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-5M	33M	49M	-41M	-202M
Change in Accounts Receivable	-420M	-203M	257M	-362M	-106M
Change in Accounts Payable	7.28B	-4.21B	-6.09B	91M	7M
Change in Other Net Operating Assets (Collected)	-1.88B	2.27B	58M	275M	194M
Other Operating Activities	-23M	207M	-174M	-294M	-146M
Cash from Operations	6.62B	72M	-3.51B	2.16B	2.43B
Capital Expenditure	-74M	-91M	-173M	-205M	-188M
Cash Acquisitions	-266M	1.46B	-	-	-
Investment in Marketable and Equity Securities, Total	-1.07B	-1.28B	576M	1.48B	1.38B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.74B	-7.02B	-582M	-2.18B	-5.47B
Other Investing Activities, Total	8M	-218M	-95M	-64M	-46M
Cash from Investing	-5.14B	-7.15B	-274M	-968M	-4.32B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	737M	1.02B	3.2B	1.3B	2.23B
Total Debt Issued	737M	1.02B	3.2B	1.3B	2.23B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-875M	-967M	-3.39B	-1.35B	-1.1B
Total Debt Repaid	-875M	-967M	-3.39B	-1.35B	-1.1B
Issuance of Common Stock	53M	52M	46M	46M	31M
Repurchase of Common Stock	-128M	-216M	-862M	-984M	-1.27B
Repurchase of Preferred Stock	-	-	-40M	-	-
Common Dividends Paid	-218M	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-277M	-355M	-383M	-416M
Common & Preferred Stock Dividends Paid	-218M	-277M	-355M	-383M	-416M
Other Financing Activities, Total	5.68B	6.26B	2.84B	1.81B	2.88B
Cash from Financing	5.25B	5.88B	1.44B	438M	2.36B
Foreign Exchange Rate Adjustments	76M	-590M	239M	175M	-35M
Net Change in Cash	6.82B	-1.79B	-2.11B	1.8B	439M
Supplemental Items
Cash Interest Paid	145M	323M	1.31B	2.12B	1.85B
Cash Income Tax Paid (Refund)	437M	524M	565M	664M	651M
Net Debt Issued / Repaid	-138M	58M	-191M	-50M	1.13B

Fiscal Period: September	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.57	2.11	2.18	2.56	2.49
Return On Equity %	18.13	17.02	17.73	18.93	17.67
Return on Common Equity	18.24	17.08	17.75	18.95	17.71
Margin Analysis
Gross Profit Margin %	94.3	93.91	93.48	93.42	93.06
SG&A Margin	71.72	73.12	68.39	69.31	69.85
Income From Continuing Operations Margin %	14.3	13.97	15.11	16.16	15.23
Net Income Margin %	14.3	13.97	15.11	16.16	15.23
Net Avail. For Common Margin %	14.28	13.91	15.01	16.09	15.18
Normalized Net Income Margin	11.99	11.7	12.67	13.17	12.35
Asset Turnover
Asset Turnover	0.18	0.15	0.14	0.16	0.16
Short Term Liquidity
Current Ratio	2.94	4.15	6.44	5.22	2.12
Quick Ratio	2.92	4.13	6.3	5.19	2.1
Operating Cash Flow to Current Liabilities	0.39	0	-0.36	0.16	0.07
Long Term Solvency
Total Debt/Equity	46.37	50.96	44.22	41	48.46
Total Debt / Total Capital	31.68	33.76	30.66	29.08	32.64
LT Debt/Equity	39.06	39.16	34.94	29.95	36.99
Long-Term Debt / Total Capital	26.68	25.94	24.22	21.24	24.92
Total Liabilities / Total Assets	86.58	88.35	87	85.94	85.83
Tier 1 Capital Ratio %	25	19.2	21.4	22.8	23
Total Capital Ratio %	26.2	20.4	22.8	24.1	24.1
Leverage Ratio %	12.6	10.3	11.9	12.8	13.1
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	26.5	10.07	6.31	11.18	9.52
Gross Profit, 1 Yr. Growth %	27.41	9.61	5.81	11.09	9.09
Earnings From Cont. Operations, 1 Yr. Growth %	71.52	7.56	15.24	18.92	3.24
Net Income, 1 Yr. Growth %	71.52	7.56	15.24	18.92	3.24
Normalized Net Income, 1 Yr. Growth %	67.38	8.48	9.22	15.56	2.74
Diluted EPS Before Extra, 1 Yr. Growth %	70.88	5.28	14.18	21.71	6.19
Common Equity, 1 Yr. Growth %	15.9	13.26	8.54	14.4	7.16
Total Assets, 1 Yr. Growth %	30.35	30.8	-3.2	5.91	6.31
Tangible Book Value, 1 Yr. Growth %	13.03	0.6	11.08	17.99	9.14
Cash From Operations, 1 Yr. Growth %	63.42	-98.92	-4.98K	-161.33	12.95
Capital Expenditures, 1 Yr. Growth %	-40.32	22.97	90.11	18.5	-8.29
Dividend Per Share, 1 Yr. Growth %	5.05	30.77	23.53	7.14	11.11
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	12.94	18	8.3	8.72	10.35
Gross Profit, 2 Yr. CAGR %	13.17	18.17	7.83	8.43	10.08
Earnings From Cont. Operations, 2 Yr. CAGR %	16.48	35.82	11.33	17.07	10.8
Net Income, 2 Yr. CAGR %	16.48	35.82	11.33	17.07	10.8
Normalized Net Income, 2 Yr. CAGR %	16.39	35.7	9.38	12.35	8.96
Diluted EPS Before Extra, 2 Yr. CAGR %	17.77	34.13	9.64	17.88	13.68
Common Equity, 2 Yr. CAGR %	11.93	14.57	10.87	11.43	10.72
Total Assets, 2 Yr. CAGR %	26.25	30.57	12.52	1.25	6.11
Tangible Book Value, 2 Yr. CAGR %	11.06	6.63	5.71	14.48	11.7
Cash From Operations, 2 Yr. CAGR %	238.85	-86.7	-27.29	447.09	-16.77
Capital Expenditures, 2 Yr. CAGR %	-26.77	-14.33	52.9	50.09	4.25
Dividend Per Share, 2 Yr. CAGR %	6.9	17.21	27.1	15.04	9.11
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	10.69	11.98	14.06	9.25	8.98
Gross Profit, 3 Yr. CAGR %	10.86	11.97	14	8.91	8.65
Earnings From Cont. Operations, 3 Yr. CAGR %	17.86	13.43	28.58	13.81	12.26
Net Income, 3 Yr. CAGR %	17.86	13.43	28.58	13.81	12.26
Normalized Net Income, 3 Yr. CAGR %	12.71	13.31	28.56	11.4	9.05
Diluted EPS Before Extra, 3 Yr. CAGR %	20.04	13.45	27.12	13.52	13.85
Common Equity, 3 Yr. CAGR %	8.99	12.37	12.52	12.03	9.99
Total Assets, 3 Yr. CAGR %	18.27	27.75	18.17	10.27	2.91
Tangible Book Value, 3 Yr. CAGR %	8.72	7.45	8.1	9.65	11.49
Cash From Operations, 3 Yr. CAGR %	95.69	-50.03	-4.8	-31.3	223.34
Capital Expenditures, 3 Yr. CAGR %	-17.96	-12.96	11.74	40.45	27.36
Dividend Per Share, 3 Yr. CAGR %	12.35	14.33	19.28	20.06	13.72
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	12.77	11.11	9.73	10.71	12.56
Gross Profit, 5 Yr. CAGR %	12.92	11.06	9.64	10.59	12.42
Earnings From Cont. Operations, 5 Yr. CAGR %	21.01	18.86	15.2	14.87	21.15
Net Income, 5 Yr. CAGR %	21.52	18.86	15.2	14.87	21.15
Normalized Net Income, 5 Yr. CAGR %	17.67	15.38	12.15	14.17	20.33
Diluted EPS Before Extra, 5 Yr. CAGR %	22.17	19.31	15.76	15.2	21.56
Common Equity, 5 Yr. CAGR %	10.89	10.84	9.74	11.99	11.8
Total Assets, 5 Yr. CAGR %	14.47	18.34	15.93	16.41	13.19
Tangible Book Value, 5 Yr. CAGR %	10.78	7.8	7.51	10.21	9.52
Cash From Operations, 5 Yr. CAGR %	63.14	-10.45	31.79	30.15	-9.78
Capital Expenditures, 5 Yr. CAGR %	-9.48	-13.69	5.24	8.24	8.68
Dividend Per Share, 5 Yr. CAGR %	14.29	18.31	18.03	14.62	15.1