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RJF

SELL

Raymond James Financial, Inc.

Financial Services · Rank #170 · Analyzed Apr 20, 2026

$151.75

Current Price

$141.91

Intrinsic Value

+12.2%

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 ValueUndervalued by 12.2%

Fair Value Range

Low$50.75
Base (IV)$141.91
High$170.29

Entry Points

Conservative$50.75
Moderate$96.33
Aggressive$141.91

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity17.1% → 1.0/1.0
Debt LevelD/E 46 → 0.5/1.0
Revenue QualityGrowth 9.5%, margin Δ+0.0% +recovery → 1.0/1.0
Moat Strength2.5/5 → 0.5/1.0
Profit Margins14.8% → 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.