Raymond James Financial (RJF) stock: Winston Score and insider trades

§Winston Score History

Raymond James Financial is a financial services company that helps people manage and invest their money. Its main businesses include wealth management, investment banking, and stock brokerage services. The company works with individual investors, businesses, and governments, and is one of the larger independent financial advisory firms in the United States.

Raymond James makes money by charging fees and commissions on investment accounts, earning interest on loans and deposits through its banking arm, and collecting fees for helping companies raise money or complete mergers. It operates mainly in the United States, with some presence in Canada and Europe, and reported roughly $12 billion in annual revenue in recent years. Its large network of independent financial advisors is a key competitive strength, since those advisors bring loyal client relationships that are difficult for rivals to pull away. The main risk the company faces is that falling stock markets or rising interest rate swings can reduce client assets and hurt fee revenue.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+15.2% YoY

YoY Growth Rate

Steady revenue growth

Reported EPS Growth

+41.7% YoY

Quarterly reporting periods ended:

30 Jun 2025: $2.16

30 Jun 2026: $3.06

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

10.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$76.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Raymond James Financial is a rare growth stock that's already generating positive cash flow while growing at 15%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

66.2%

Premium pricing power — 66.2% gross margin

Profit after running costs

Operating Margin

17.2%

Healthy — 17.2% operating margin

Return on the money invested

ROCE

16.4%

Strong — 16.4% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+9.1%

Steady sales growth (+9.1% YoY)

Profit growth

EPS YoY

+12.0%

Earnings growing (+12.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

107%

Turns 107% of profit into real cash

Spare cash per sale

FCF Margin

13.4%

Converts sales into free cash efficiently (13.4%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.42

Conservative — low debt load (0.42)

Covers its interest

Interest Cover

3.37x

Tight — interest eats into profit (3.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.5x

Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

1.37%

Small dividend — 1.37% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+8.0%

Dividend growing modestly (8.0% YoY)

Payout Ratio

28%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Raymond James Financial

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends