RJF

SELL

Raymond James Financial, Inc.

Financial Services · Rank #183 · Analyzed Jul 13, 2026

$168.12

Current Price

$148.21

Intrinsic Value

-11.8%

Upside/Downside

3.5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 11.8%

Fair Value Range

Low$43.75

Base (IV)$148.21

High$177.85

Entry Points

Conservative$30.62

Moderate$43.75

Aggressive$103.74

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity17.3% → 1.0/1.0

Debt LevelD/E 48 → 0.5/1.0

Revenue QualityGrowth 9.5%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength3.0/5 → 0.5/1.0

Profit Margins14.6% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.