Raymond James Financial (RJF) FY2025 10-K Annual Report
Raymond James Financial (RJF) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Nov 25, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Raymond James Financial FY2025 10-K Analysis
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
Raymond James Financial FY2025 Key Financial MetricsXBRL
Revenue
$15.9B
▲ +6.6% YoY
Net Income
$2.1B
▲ +3.2% YoY
Net Margin
13.4%
▼ -44bp YoY
ROE
17.1%
▼ -64bp YoY
Total Assets
$88.2B
▲ +6.3% YoY
EPS (Diluted)
$10.30
▲ +6.2% YoY
Operating Cash Flow
$2.4B
▲ +12.9% YoY
Source: XBRL data from Raymond James Financial FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Raymond James Financial
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.