RJF

HOLD

Raymond James Financial, Inc.

Financial Services · Rank #65 · Analyzed Oct 18, 2026

$156.78

Current Price

$154.44

Intrinsic Value

-1.5%

Upside/Downside

5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueOvervalued by 1.5%

Fair Value Range

Low$44.38

Base (IV)$154.44

High$185.32

Entry Points

Conservative$31.07

Moderate$44.38

Aggressive$108.11

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity18.4% → 1.0/1.0

Debt LevelD/E 48 → 0.5/1.0

Revenue QualityGrowth 9.5%, margin Δ+0.0% → 0.5/1.0

Moat Strength3.0/5 → 0.5/1.0

Profit Margins15.1% → 1.0/1.0

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.