RJF Raymond James Financial
FY2025 10-K
Raymond James Financial (RJF) filed its fiscal year 2025 10-K annual report with the SEC on Nov 25, 2025. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: diversified financial services including capital markets, banking, and wealth management
- • Legal/regulatory focus: ongoing SEC inquiry since Aug 2024 into cash sweep program practices; consolidated class action lawsuits with one dismissal
Management Discussion & Analysis
- • Net interest income in banking operations $1.846B at 0 bps, up to $1.898B (+3%) at +200 bps, down to $1.661B (-10%) at -200 bps
- • Available-for-sale securities portfolio fair value $6.89B, yield 2.25%, effective duration 3.44 (% price change per 100 bps rate change)
Risk Factors
- • Model risk from valuation inaccuracies impacting financial loss or regulatory reporting due to incorrect model use or outputs
- • Compliance risk of sanctions and reputational damage from failure to comply with applicable laws and regulatory requirements
Financial SummaryXBRL
Revenue
$15.9B
Net Income
$2.1B
Net Margin
13.4%
ROE
17.1%
Total Assets
$88.2B
EPS (Diluted)
$10.30
Operating Cash Flow
$2.4B
Source: XBRL data from Raymond James Financial FY2025 10-K filing on SEC EDGAR. All figures in USD.
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