RAYMOND JAMES FINANCIAL INC

RJF 10-Q · Q3 2025
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RJF Q3 2025 request

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Income Statement

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Income Statement
Metric Q3 2025 Q3 2024 YoY
Revenue From Contract With Customer Including Assessed Tax (Q) — — —
Show Product Lines breakouts
Account And Service Fee Revenue [Member] 302 328 -7.9%
Account And Service Fee Revenue [Member] · Asset Management 5 5 0.0%
Account And Service Fee Revenue [Member] · Capital Markets 4 2 +100.0%
Account And Service Fee Revenue [Member] · Other and intersegment eliminations -208 -210 +1.0%
Account And Service Fee Revenue [Member] · Private Client Group 501 531 -5.6%
Affordable housing investments business revenues 33 30 +10.0%
Affordable housing investments business revenues · Capital Markets 33 30 +10.0%
Asset management and related administrative fees 1,733 1,611 +7.6%
Asset management and related administrative fees · Asset Management 280 254 +10.2%
Asset management and related administrative fees · Other and intersegment eliminations -9 -7 -28.6%
Asset management and related administrative fees · Private Client Group 1,462 1,364 +7.2%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] 148 144 +2.8%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] · Asset Management 1 1 0.0%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] · Capital Markets 1 1 0.0%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] · Private Client Group 146 142 +2.8%
Client account and other fees 63 59 +6.8%
Client account and other fees · Asset Management 2 3 -33.3%
Client account and other fees · Capital Markets 2 1 +100.0%
Client account and other fees · Other and intersegment eliminations -13 -11 -18.2%
Client account and other fees · Private Client Group 72 66 +9.1%
Debt underwriting 60 49 +22.4%
Debt underwriting · Capital Markets 60 49 +22.4%
Equities, exchange-traded funds (“ETFs”) and fixed income products 154 142 +8.5%
Equities, exchange-traded funds (“ETFs”) and fixed income products · Asset Management 1 — —
Equities, exchange-traded funds (“ETFs”) and fixed income products · Capital Markets 41 33 +24.2%
Equities, exchange-traded funds (“ETFs”) and fixed income products · Other and intersegment eliminations -3 -2 -50.0%
Equities, exchange-traded funds (“ETFs”) and fixed income products · Private Client Group 115 111 +3.6%
Equity underwriting 47 43 +9.3%
Equity underwriting · Capital Markets 38 33 +15.2%
Equity underwriting · Private Client Group 9 10 -10.0%
Insurance and annuity products 129 130 -0.8%
Insurance and annuity products · Private Client Group 129 130 -0.8%
Investment Banking Revenue [Member] 212 183 +15.8%
Investment Banking Revenue [Member] · Capital Markets 203 173 +17.3%
Investment Banking Revenue [Member] · Private Client Group 9 10 -10.0%
Merger & acquisition and advisory 105 91 +15.4%
Merger & acquisition and advisory · Capital Markets 105 91 +15.4%
Mutual fund and annuity service fees 129 120 +7.5%
Mutual fund and annuity service fees · Asset Management 3 2 +50.0%
Mutual fund and annuity service fees · Private Client Group 126 118 +6.8%
Other 46 51 -9.8%
RJBDP fees 110 149 -26.2%
RJBDP fees · Capital Markets 2 1 +100.0%
RJBDP fees · Other and intersegment eliminations -195 -199 +2.0%
RJBDP fees · Private Client Group 303 347 -12.7%
Subtotal securities commissions 431 416 +3.6%
Subtotal securities commissions · Asset Management 2 1 +100.0%
Subtotal securities commissions · Capital Markets 42 34 +23.5%
Subtotal securities commissions · Other and intersegment eliminations -3 -2 -50.0%
Subtotal securities commissions · Private Client Group 390 383 +1.8%
Principal Transactions Revenue 128 116 +10.3%
Show Business Segments breakouts
Bank · Operating Segments 2 3 -33.3%
Capital Markets · Operating Segments 96 87 +10.3%
Private Client Group · Operating Segments 30 26 +15.4%
Revenue From Contract With Customer Including Assessed Tax And Principal Transactions Revenue Net (Q) — — —
Show Product Lines breakouts
Total brokerage revenues 559 532 +5.1%
Total brokerage revenues · Asset Management 2 1 +100.0%
Total brokerage revenues · Bank 2 3 -33.3%
Total brokerage revenues · Capital Markets 138 121 +14.0%
Total brokerage revenues · Other and intersegment eliminations -3 -2 -50.0%
Total brokerage revenues · Private Client Group 420 409 +2.7%
Interest Income Operating 990 1,057 -6.3%
Show Business Segments breakouts
Asset Management · Operating Segments 3 4 -25.0%
Bank · Operating Segments 823 867 -5.1%
Capital Markets · Operating Segments 27 32 -15.6%
Private Client Group · Operating Segments 114 121 -5.8%
Show Consolidation Items breakouts
Other and intersegment eliminations 23 33 -30.3%
Revenue 3,842 3,762 +2.1%
Show Business Segments breakouts
Asset Management · Operating Segments 291 265 +9.8%
Bank · Operating Segments 841 879 -4.3%
Capital Markets · Operating Segments 405 360 +12.5%
Private Client Group · Operating Segments 2,511 2,448 +2.6%
Show Consolidation Items breakouts
Other and intersegment eliminations -206 -190 -8.4%
Interest Expense Operating -444 -534 +16.9%
Show Business Segments breakouts
Bank · Operating Segments -383 -461 +16.9%
Capital Markets · Operating Segments -24 -30 +20.0%
Private Client Group · Operating Segments -23 -32 +28.1%
Show Consolidation Items breakouts
Other and intersegment eliminations -14 -11 -27.3%
Revenues Net Of Interest Expense 3,398 3,228 +5.3%
Show Business Segments breakouts
All Other Segments · Operating Segments 9 28 -67.9%
Asset Management · Operating Segments 291 265 +9.8%
Bank · Operating Segments 458 418 +9.6%
Bank · Operating Segments 458 418 +9.6%
Capital Markets · Operating Segments 381 330 +15.5%
Private Client Group · Operating Segments 2,488 2,416 +3.0%
Show Geography breakouts
CA 149 154 -3.2%
Europe 142 124 +14.5%
US 3,107 2,950 +5.3%
Show Consolidation Items breakouts
Intersegment Elimination -229 -229 0.0%
Other and intersegment eliminations -220 -201 -9.5%
Labor And Related Expense 2,202 2,090 +5.4%
Communications And Information Technology 191 166 +15.1%
Occupancy Net 77 75 +2.7%
Business Development 77 72 +6.9%
Noninterest Expense Investment Advisory Fees 56 48 +16.7%
Professional Fees 42 38 +10.5%
Provision For Loan Losses Expensed 15 -10 +250.0%
Other Noninterest Expense 175 105 +66.7%
Noncompensation Expense 633 494 +28.1%
Noninterest Expense 2,835 2,584 +9.7%
Income Lossfrom Continuing Operationsbefore Equity Method Investments Income Taxesafter Noncontrolling Interest 563 644 -12.6%
Income Tax Expense (Benefit) 127 152 -16.4%
Net Income 436 492 -11.4%
Show Equity Components breakouts
Retained Earnings 436 492 -11.4%
Preferred Stock Dividends Income Statement Impact 1 1 0.0%
Net Income Loss Available To Common Stockholders Basic 435 491 -11.4%
Net Income Loss Available To Common Stockholders Diluted 435 491 -11.4%
EPS (Basic) 2.16 2.37 -8.9%
EPS (Diluted) 2.12 2.31 -8.2%
Wtd Avg Shares (Basic) 201.2 206.8 -2.7%
Wtd Avg Shares (Diluted) 205.5 212.3 -3.2%
Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax 53 11 +381.8%
Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent 58 -2 +3000.0%
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax -3 -2 -50.0%
Show Derivative Risk breakouts
Interest Rate Contract -3 -2 -50.0%
Other Comprehensive Income 108 7 +1442.9%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 108 7 +1442.9%
Comprehensive Income 544 499 +9.0%
Income Before Taxes 563 644 -12.6%
Show Business Segments breakouts
All Other Segments · Operating Segments -42 -10 -320.0%
Asset Management · Operating Segments 125 112 +11.6%
Bank · Operating Segments 123 115 +7.0%
Capital Markets · Operating Segments -54 -14 -285.7%
Private Client Group · Operating Segments 411 441 -6.8%
Show Geography breakouts
CA 23 31 -25.8%
Europe -6 -2 -200.0%
US 546 615 -11.2%
Interest Income Expense Net 546 523 +4.4%
Show Business Segments breakouts
All Other Segments · Operating Segments 9 22 -59.1%
Asset Management · Operating Segments 3 4 -25.0%
Bank · Operating Segments 440 406 +8.4%
Capital Markets · Operating Segments 3 2 +50.0%
Private Client Group · Operating Segments 91 89 +2.2%
Noninterest Income (Q) — — —
Show Product Lines breakouts
Other 46 51 -9.8%
Other · Asset Management 1 1 0.0%
Other · Bank 16 9 +77.8%
Other · Capital Markets 33 32 +3.1%
Other · Other and intersegment eliminations -9 -4 -125.0%
Other · Private Client Group 5 13 -61.5%

Balance Sheet

Balance Sheet
Metric Q3 2025 Q3 2024 YoY
Current Assets
Cash & Cash Equivalents 9,195 9,095 +1.1%
Non-Current Assets
Deferred Tax Assets 642 658 -2.4%
Total Assets 84,815 80,628 +5.2%
Show Business Segments breakouts
All Other Segments · Operating Segments 3,394 2,556 +32.8%
Asset Management · Operating Segments 633 596 +6.2%
Bank · Operating Segments 63,561 60,574 +4.9%
Capital Markets · Operating Segments 2,991 3,266 -8.4%
Private Client Group · Operating Segments 14,236 13,636 +4.4%
Show Geography breakouts
CA 3,185 3,274 -2.7%
Europe 2,916 2,473 +17.9%
US 78,714 74,881 +5.1%
Show Consolidated Entities breakouts
Variable Interest Entity Not Primary Beneficiary 13,182 11,659 +13.1%
Variable Interest Entity Not Primary Beneficiary · LIHTC 9,644 8,824 +9.3%
Variable Interest Entity Not Primary Beneficiary · Other 536 115 +366.1%
Variable Interest Entity Not Primary Beneficiary · Private Equity Interests 3,002 2,720 +10.4%
Variable Interest Entity Primary Beneficiary 117 166 -29.5%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 89 139 -36.0%
Variable Interest Entity Primary Beneficiary · LIHTC funds 89 139 -36.0%
Variable Interest Entity Primary Beneficiary · Restricted Stock Trust Fund 28 27 +3.7%
Property, Plant & Equipment 669 618 +8.3%
Operating Lease Right-of-Use Assets 576 562 +2.5%
Goodwill 1,455 1,442 +0.9%
Show Business Segments breakouts
Asset Management · Operating Segments 69 69 0.0%
Bank · Operating Segments 529 529 0.0%
Capital Markets · Operating Segments 276 275 +0.4%
Private Client Group · Operating Segments 581 569 +2.1%
Show Geography breakouts
CA 24 24 0.0%
Europe 181 168 +7.7%
US 1,250 1,250 0.0%
Other Assets
Restricted Cash And Investments 3,770 3,641 +3.5%
Collateralized Agreements 941 570 +65.1%
Trading Securities1 1,349 1,472 -8.4%
Show Pledged Status breakouts
Asset Pledged As Collateral 1,124 1,200 -6.3%
Debt Securities Available For Sale Excluding Accrued Interest 7,165 8,530 -16.0%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Fair Value Measurements Recurring 432 946 -54.3%
Fair Value Inputs Level2 · Fair Value Measurements Recurring 6,733 7,584 -11.2%
Show Financial Instrument breakouts
Agency CMOs 1,235 — —
Agency commercial MBS 1,184 — —
Agency residential MBS 3,396 — —
Corporate Bond Securities 89 — —
Federal Home Loan Mortgage Corporation (FHLMC) 2.05 — —
Federal National Mortgage Association (FNMA) 3.35 — —
Non-agency residential MBS 463 — —
Other Debt Securities 351 — —
Other Investments 15 — —
US Treasury Securities 432 — —
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 7,165 8,530 -16.0%
Show Pledged Status breakouts
Asset Pledged As Collateral 11 11 0.0%
Derivative Assets 73 — —
Financial Instruments Owned Other At Fair Value 315 333 -5.4%
Show Pledged Status breakouts
Asset Pledged As Collateral 8 6 +33.3%
Receivables From Customers 2,917 2,798 +4.3%
Other Receivables 1,791 1,933 -7.3%
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss (Q) — — —
Show Related Party Transactions By Related Party breakouts
Nonrelated Party 49,840 45,149 +10.4%
Related Party 1,500 1,258 +19.2%
Intangible Assets Net Including Goodwill 1,860 1,884 -1.3%
Prepaid Expense And Other Assets 3,457 3,222 +7.3%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 69 124 -44.4%
Non-Current Liabilities
Employee Related Liabilities Current And Noncurrent 2,215 1,977 +12.0%
Accounts Payable And Accrued Liabilities Current And Noncurrent 1,973 2,084 -5.3%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 24 42 -42.9%
Total Liabilities 72,554 69,438 +4.5%
Show Consolidated Entities breakouts
Variable Interest Entity Not Primary Beneficiary 4,129 4,049 +2.0%
Variable Interest Entity Not Primary Beneficiary · LIHTC 3,085 3,114 -0.9%
Variable Interest Entity Not Primary Beneficiary · Other 173 83 +108.4%
Variable Interest Entity Not Primary Beneficiary · Private Equity Interests 871 852 +2.2%
Variable Interest Entity Primary Beneficiary 61 93 -34.4%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 24 42 -42.9%
Variable Interest Entity Primary Beneficiary · LIHTC funds 33 66 -50.0%
Variable Interest Entity Primary Beneficiary · Restricted Stock Trust Fund 28 27 +3.7%
Other Liabilities
Deposits 57,249 54,401 +5.2%
Show Counterparty Name breakouts
Private Client Group clients 13.03 14.04 -7.2%
Collateralized Financings 883 1,154 -23.5%
Trading Liabilities 920 891 +3.3%
Derivative Liabilities 210 — —
Payables To Customers 6,215 5,489 +13.2%
Other Borrowings 849 1,049 -19.1%
Senior Notes 2,040 2,039 0.0%
Stockholders' Equity
Preferred Stock Value 79 — —
Show Statement Class Of Stock breakouts
Series B Preferred Stock 79 — —
Common Stock 3 2 +50.0%
Additional Paid In Capital Common Stock 3,202 3,221 -0.6%
Retained Earnings 13,104 11,385 +15.1%
Treasury Stock Common Value -3,691 -2,773 -33.1%
Accumulated Other Comprehensive Income -438 -717 +38.9%
Total Stockholders' Equity 12,259 11,197 +9.5%
Show Equity Components breakouts
Parent 12,259 11,197 +9.5%
Minority Interest 2 -7 +128.6%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 2 -7 +128.6%
Stockholders Equity Including Portion Attributable To Noncontrolling Interest 12,261 11,190 +9.6%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 5 27 -81.5%
Accumulated Net Unrealized Investment Gain Loss -443 -687 +35.5%
Accumulated Other Comprehensive Income -438 -717 +38.9%
Accumulated Translation Adjustment -159 -210 +24.3%
Additional Paid In Capital 3,202 3,221 -0.6%
Common Stock 3 2 +50.0%
Net investment hedges 159 153 +3.9%
Noncontrolling Interest 2 -7 +128.6%
Preferred Stock 79 79 0.0%
Retained Earnings 13,104 11,385 +15.1%
Treasury Stock Common -3,691 -2,773 -33.1%
Total Liabilities & Equity 84,815 80,628 +5.2%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q3 2025 YTD Q3 2024 YoY
Operating Activities
Depreciation Amortization And Accretion Net 143 132 +8.3%
Deferred Income Taxes -4 -28 +85.7%
Amortization Of Debt Discount Premium And Unrealized Realized Gain On Other Investments -19 -30 +36.7%
Provision For Loan Lease And Other Losses 107 — —
Stock-Based Compensation 199 201 -1.0%
Unrealized Gain Loss On Company Owned Life Insurance Net Of Expenses -68 -174 +60.9%
Other Non-Cash Items 23 18 +27.8%
Increase Decrease In Collateralized Agreements Net Of Collateralized Financings -247 664 -137.2%
Increase Decrease Financing Receivable Related Party After Allowance For Credit Loss -194 -146 -32.9%
Increase Decrease In Receivables -170 -509 +66.6%
Increase Decrease In Financial Instruments Used In Operating Activities 77 -78 +198.7%
Increase Decrease In Derivative Assets And Liabilities1 31 35 -11.4%
Increase Decrease In Other Operating Assets 78 -18 +533.3%
Change in Accounts Payable 331 72 +359.7%
Increase Decrease In Employee Related Liabilities -109 59 -284.7%
Increase Decrease In Mortgage Loans Held For Sale -71 -19 -273.7%
Net Cash from Operations 1,638 1,645 -0.4%
Investing Activities
Payments For Proceeds From Other Loans And Leases -4,044 -1,737 -132.8%
Proceeds From Sale Of Loans Held For Investment 218 337 -35.3%
Purchases of Investments -480 -397 -20.9%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 1,531 1,279 +19.7%
Proceeds From Sale Of Available For Sale Securities Debt 78 — —
Capital Expenditures -144 -155 +7.1%
Payments For Proceeds From Federal Home Loan Bank Stock And Federal Reserve Bank Stock 8 — —
Other Investing Activities -65 -69 +5.8%
Net Cash from Investing -2,898 -757 -282.8%
Financing Activities
Increase Decrease In Deposits 1,239 202 +513.4%
Payments For Repurchase Of Common Stock And Tax Withholding Share Based Payment Arrangement -914 -655 -39.5%
Payments Of Ordinary Dividends -314 -288 -9.0%
Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans Including Stock Options 26 37 -29.7%
Proceeds From Federal Home Loan Bank Borrowings 750 1,300 -42.3%
Repayments Of Federal Home Loan Bank Borrowings -950 -1,350 +29.6%
Proceeds From Payments For Other Financing Activities -8 -2 -300.0%
Net Cash from Financing -171 -756 +77.4%
Supplemental
Interest Paid 1,394 1,575 -11.5%
Income Taxes Paid 510 548 -6.9%
Operating Lease Payments 99 91 +8.8%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 78 51 +52.9%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations 48 56 -14.3%
Net Change in Cash -1,383 188 -835.6%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 12,965 12,736 +1.8%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 20 15 +33.3%
Restricted Cash 3,770 3,641 +3.5%

Values in millions USD. Source: SEC EDGAR 10-Q filing.

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