RAYMOND JAMES FINANCIAL INC

RJF 10-K · Q4 2025
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RJF Q4 2025 request

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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Revenue From Contract With Customer Including Assessed Tax (Q) — — —
Show Product Lines breakouts
Account and service fees 297 332 -10.5%
Account and service fees · Asset Management 6 6 0.0%
Account and service fees · Capital Markets 3 5 -40.0%
Account and service fees · Other and intersegment eliminations -208 -213 +2.3%
Account and service fees · Private Client Group 496 534 -7.1%
Affordable housing investments business revenues 58 43 +34.9%
Affordable housing investments business revenues · Capital Markets 58 43 +34.9%
Asset management and related administrative fees 1,877 1,662 +12.9%
Asset management and related administrative fees · Asset Management 303 263 +15.2%
Asset management and related administrative fees · Capital Markets 0 0 —
Asset management and related administrative fees · Other and intersegment eliminations -11 -9 -22.2%
Asset management and related administrative fees · Private Client Group 1,585 1,408 +12.6%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] 157 151 +4.0%
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 2 2 0.0%
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] · Other and intersegment eliminations -1 0 —
Brokerage Revenue, Securities Commissions, Mutual And Other Fund Products [Member] · Private Client Group 155 148 +4.7%
Client account and other fees 56 61 -8.2%
Client account and other fees · Asset Management 3 3 0.0%
Client account and other fees · Capital Markets 2 4 -50.0%
Client account and other fees · Other and intersegment eliminations -16 -15 -6.7%
Client account and other fees · Private Client Group 67 69 -2.9%
Debt underwriting 98 52 +88.5%
Debt underwriting · Capital Markets 100 52 +92.3%
Equities, ETFs and fixed income products 169 150 +12.7%
Equities, ETFs and fixed income products · Capital Markets 42 32 +31.2%
Equities, ETFs and fixed income products · Other and intersegment eliminations -3 -2 -50.0%
Equities, ETFs and fixed income products · Private Client Group 130 120 +8.3%
Equity underwriting 55 58 -5.2%
Equity underwriting · Capital Markets 46 49 -6.1%
Equity underwriting · Private Client Group 9 9 0.0%
Insurance and annuity products 147 137 +7.3%
Insurance and annuity products · Private Client Group 147 137 +7.3%
Investment banking 316 315 +0.3%
Investment banking · Capital Markets 309 306 +1.0%
Investment banking · Private Client Group 9 9 0.0%
Merger & acquisition and advisory 163 205 -20.5%
Merger & acquisition and advisory · Capital Markets 163 205 -20.5%
Other Revenue [Member] 80 60 +33.3%
RJBDP fees 102 146 -30.1%
RJBDP fees · Capital Markets 1 1 0.0%
RJBDP fees · Other and intersegment eliminations -192 -198 +3.0%
RJBDP fees · Private Client Group 293 343 -14.6%
Securities commissions 473 438 +8.0%
Securities commissions · Asset Management 1 1 0.0%
Securities commissions · Capital Markets 44 34 +29.4%
Securities commissions · Other and intersegment eliminations -4 -2 -100.0%
Securities commissions · Private Client Group 432 405 +6.7%
Show — breakouts
Revenue From Contract With Customer Including Assessed Tax 0 0 —
Principal Transactions Revenue 133 123 +8.1%
Show Business Segments breakouts
Capital Markets · Operating Segments 96 93 +3.2%
Private Client Group · Operating Segments 33 28 +17.9%
RJ Bank · Operating Segments 4 2 +100.0%
Revenue From Contract With Customer Including Assessed Tax And Principal Transactions Revenue Net (Q) — — —
Show Product Lines breakouts
Total brokerage revenues 606 561 +8.0%
Total brokerage revenues · Asset Management 1 1 0.0%
Total brokerage revenues · Capital Markets 140 127 +10.2%
Total brokerage revenues · Other and intersegment eliminations -4 -2 -100.0%
Total brokerage revenues · Private Client Group 465 433 +7.4%
Total brokerage revenues · RJ Bank 4 2 +100.0%
Interest Income Operating 1,014 1,073 -5.5%
Show Business Segments breakouts
Asset Management · Operating Segments 3 4 -25.0%
Capital Markets · Operating Segments 27 28 -3.6%
Private Client Group · Operating Segments 118 119 -0.8%
RJ Bank · Operating Segments 843 887 -5.0%
Show Consolidation Items breakouts
Other and intersegment eliminations 23 35 -34.3%
Revenue 4,190 4,003 +4.7%
Show Business Segments breakouts
Asset Management · Operating Segments 314 275 +14.2%
Capital Markets · Operating Segments 538 510 +5.5%
Private Client Group · Operating Segments 2,686 2,507 +7.1%
RJ Bank · Operating Segments 860 909 -5.4%
Show Consolidation Items breakouts
Other and intersegment eliminations -208 -198 -5.1%
Interest Expense Operating -463 -541 +14.4%
Show Business Segments breakouts
Capital Markets · Operating Segments -25 -27 +7.4%
Private Client Group · Operating Segments -26 -31 +16.1%
RJ Bank · Operating Segments -401 -476 +15.8%
Show Consolidation Items breakouts
Other and intersegment eliminations -11 -7 -57.1%
Revenues Net Of Interest Expense 3,727 3,462 +7.7%
Show Business Segments breakouts
Asset Management · Operating Segments 314 275 +14.2%
Bank · Operating Segments 459 433 +6.0%
Capital Markets · Operating Segments 513 483 +6.2%
Private Client Group · Operating Segments 2,660 2,476 +7.4%
RJ Bank · Operating Segments 459 433 +6.0%
Show Geography breakouts
CA 171 151 +13.2%
Europe 130 140 -7.1%
US 3,426 3,171 +8.0%
Show Consolidation Items breakouts
Other and intersegment eliminations -219 -205 -6.8%
Labor And Related Expense 2,394 2,159 +10.9%
Communications And Information Technology 199 181 +9.9%
Occupancy Net 84 76 +10.5%
Business Development 82 64 +28.1%
Noninterest Expense Investment Advisory Fees 60 50 +20.0%
Professional Fees 53 47 +12.8%
Provision For Loan Losses Expensed 6 22 -72.7%
Other Noninterest Expense 118 103 +14.6%
Noncompensation Expense 602 543 +10.9%
Noninterest Expense 2,996 2,702 +10.9%
Income Tax Expense (Benefit) 127 158 -19.6%
Net Income 604 602 +0.3%
Show Equity Components breakouts
Retained Earnings 604 602 +0.3%
Preferred Stock Dividends Income Statement Impact 1 1 0.0%
Net Income Loss Available To Common Stockholders Basic 603 601 +0.3%
Net Income Loss Available To Common Stockholders Diluted 603 601 +0.3%
EPS (Basic) 3.02 2.92 +3.4%
EPS (Diluted) 2.95 2.85 +3.5%
Wtd Avg Shares (Basic) -1 -0.8 -25.0%
Wtd Avg Shares (Diluted) -1 -0.8 -25.0%
Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax 52 202 -74.3%
Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent -12 33 -136.4%
Other Comprehensive Income 42 215 -80.5%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 42 215 -80.5%
Comprehensive Income 646 817 -20.9%
Interest Income Expense Net 551 532 +3.6%
Show Business Segments breakouts
Asset Management · Operating Segments 3 4 -25.0%
Bank · Operating Segments 442 411 +7.5%
Capital Markets · Operating Segments 2 1 +100.0%
Private Client Group · Operating Segments 92 88 +4.5%
Noninterest Income (Q) — — —
Show Product Lines breakouts
Other Revenue [Member] 80 60 +33.3%
Other Revenue [Member] · Asset Management 1 1 0.0%
Other Revenue [Member] · Capital Markets 59 44 +34.1%
Other Revenue [Member] · Other and intersegment eliminations -6 -9 +33.3%
Other Revenue [Member] · Private Client Group 13 4 +225.0%
Other Revenue [Member] · RJ Bank 13 20 -35.0%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash & Cash Equivalents 11,389 10,998 +3.6%
Show Consolidated Entities breakouts
Parent Company 2,296 761 +201.7%
Non-Current Assets
Deferred Tax Assets 671 651 +3.1%
Total Assets 88,230 82,992 +6.3%
Show Business Segments breakouts
Asset Management · Operating Segments 632 616 +2.6%
Bank · Operating Segments 65,263 62,367 +4.6%
Capital Markets · Operating Segments 3,426 3,518 -2.6%
Other · Operating Segments 4,902 3,078 +59.3%
Private Client Group · Operating Segments 14,007 13,413 +4.4%
Show Geography breakouts
CA 3,182 3,347 -4.9%
Europe 2,759 2,612 +5.6%
US 82,289 77,033 +6.8%
Show Consolidated Entities breakouts
Parent Company 17,660 15,126 +16.8%
Variable Interest Entity Not Primary Beneficiary 13,319 12,077 +10.3%
Variable Interest Entity Not Primary Beneficiary · LIHTC funds 9,680 9,049 +7.0%
Variable Interest Entity Not Primary Beneficiary · Other 596 204 +192.2%
Variable Interest Entity Not Primary Beneficiary · Private Equity Interests 3,043 2,824 +7.8%
Variable Interest Entity Primary Beneficiary 93 155 -40.0%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 74 136 -45.6%
Variable Interest Entity Primary Beneficiary · LIHTC funds 74 136 -45.6%
Variable Interest Entity Primary Beneficiary · Restricted Stock Trust Fund 19 19 0.0%
Property, Plant & Equipment 670 635 +5.5%
Show Property Plant And Equipment By Type breakouts
Buildings, building components, leasehold and land improvements 209 202 +3.5%
Furniture And Fixtures 120 101 +18.8%
Land 30 30 0.0%
Software And Software Development Costs 311 302 +3.0%
Operating Lease Right-of-Use Assets 583 568 +2.6%
Goodwill 1,451 1,451 0.0%
Show Business Segments breakouts
Asset Management 69 69 0.0%
Bank 529 529 0.0%
Capital Markets 276 275 +0.4%
Private Client Group 577 578 -0.2%
Intangible Assets 339 — —
Other Assets
Restricted Cash And Investments 3,398 3,350 +1.4%
Show Consolidated Entities breakouts
Parent Company 33 46 -28.3%
Collateralized Agreements 698 749 -6.8%
Trading Securities1 1,538 1,480 +3.9%
Show Pledged Status breakouts
Asset Pledged As Collateral 1,248 1,263 -1.2%
Debt Securities Available For Sale Excluding Accrued Interest 6,888 8,260 -16.6%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Fair Value Measurements Recurring 430 704 -38.9%
Fair Value Inputs Level2 · Fair Value Measurements Recurring 6,458 7,556 -14.5%
Show Financial Instrument breakouts
Agency CMOs · RJ Bank 1,277 1,225 +4.2%
Agency commercial MBS · RJ Bank 1,138 1,296 -12.2%
Agency residential MBS · RJ Bank 3,269 3,823 -14.5%
Corporate Bond Securities · RJ Bank 79 106 -25.5%
Federal Home Loan Mortgage Corporation (FHLMC) · RJ Bank 1.95 — —
Federal National Mortgage Association (FNMA) · RJ Bank 3.24 — —
Non-agency residential MBS · RJ Bank 453 527 -14.0%
Other Debt Securities · RJ Bank 227 559 -59.4%
Other Investments · RJ Bank 15 20 -25.0%
US Treasury Securities · RJ Bank 430 704 -38.9%
Show Legal Entity breakouts
RJ Bank 6,888 8,260 -16.6%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 6,888 8,260 -16.6%
Show Pledged Status breakouts
Asset Pledged As Collateral 9 11 -18.2%
Derivative Assets 68 103 -34.0%
Financial Instruments Owned Other At Fair Value 390 302 +29.1%
Show Pledged Status breakouts
Asset Pledged As Collateral 8 7 +14.3%
Receivables From Customers 2,821 2,711 +4.1%
Other Receivables 1,814 1,825 -0.6%
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss (Q) — — —
Show Related Party Transactions By Related Party breakouts
Nonrelated Party 51,567 45,994 +12.1%
Related Party 1,626 1,326 +22.6%
Intangible Assets Net Including Goodwill 1,847 1,886 -2.1%
Show Consolidated Entities breakouts
Parent Company 85 68 +25.0%
Prepaid Expense And Other Assets 3,515 3,357 +4.7%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 55 119 -53.8%
Non-Current Liabilities
Employee Related Liabilities Current And Noncurrent 2,603 2,325 +12.0%
Show Consolidated Entities breakouts
Parent Company 1,347 1,168 +15.3%
Accounts Payable And Accrued Liabilities Current And Noncurrent 1,961 1,938 +1.2%
Show Consolidated Entities breakouts
Parent Company 262 237 +10.5%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 13 37 -64.9%
Total Liabilities 75,726 71,325 +6.2%
Show Consolidated Entities breakouts
Parent Company 5,157 3,453 +49.3%
Variable Interest Entity Not Primary Beneficiary 4,196 4,098 +2.4%
Variable Interest Entity Not Primary Beneficiary · LIHTC funds 3,031 3,079 -1.6%
Variable Interest Entity Not Primary Beneficiary · Other 217 146 +48.6%
Variable Interest Entity Not Primary Beneficiary · Private Equity Interests 948 873 +8.6%
Variable Interest Entity Primary Beneficiary 39 79 -50.6%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 13 37 -64.9%
Variable Interest Entity Primary Beneficiary · LIHTC funds 20 60 -66.7%
Variable Interest Entity Primary Beneficiary · Restricted Stock Trust Fund 19 19 0.0%
Long-Term Debt (Q) — — —
Show Long-Term Debt Type breakouts
Senior Notes 3,520 2,040 +72.5%
Other Liabilities
Deposits 58,897 56,010 +5.2%
Show Counterparty Name breakouts
Private Client Group clients 13.47 14.02 -3.9%
Collateralized Financings 1,111 938 +18.4%
Trading Liabilities 891 976 -8.7%
Derivative Liabilities 190 224 -15.2%
Payables To Customers 5,853 5,825 +0.5%
Other Borrowings 700 1,049 -33.3%
Senior Notes 3,520 2,040 +72.5%
Show Consolidated Entities breakouts
Parent Company 3,520 2,040 +72.5%
Stockholders' Equity
Preferred Stock Value 79 79 0.0%
Show Statement Class Of Stock breakouts
Series B Preferred Stock 79 79 0.0%
Common Stock 3 2 +50.0%
Additional Paid In Capital Common Stock 3,235 3,251 -0.5%
Retained Earnings 13,604 11,894 +14.4%
Treasury Stock Common Value -4,022 -3,051 -31.8%
Accumulated Other Comprehensive Income -396 -502 +21.1%
Total Stockholders' Equity 12,503 11,673 +7.1%
Show Equity Components breakouts
Parent 12,503 11,673 +7.1%
Show Consolidated Entities breakouts
Parent Company 12,503 11,673 +7.1%
Minority Interest 1 -6 +116.7%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 1 -6 +116.7%
Stockholders Equity Including Portion Attributable To Noncontrolling Interest 12,504 11,667 +7.2%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 7 7 0.0%
Accumulated Net Unrealized Investment Gain Loss -391 -485 +19.4%
Accumulated Other Comprehensive Income -396 -502 +21.1%
Accumulated Translation Adjustment -196 -169 -16.0%
Additional Paid In Capital 3,235 3,251 -0.5%
Common Stock 3 2 +50.0%
Net investment hedges 184 145 +26.9%
Noncontrolling Interest 1 -6 +116.7%
Preferred Stock 79 79 0.0%
Retained Earnings 13,604 11,894 +14.4%
Subtotal: net investment hedges and currency translations -12 -24 +50.0%
Treasury Stock Common -4,022 -3,051 -31.8%
Total Liabilities & Equity 88,230 82,992 +6.3%
Show Consolidated Entities breakouts
Parent Company 17,660 15,126 +16.8%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Depreciation Amortization And Accretion Net 52 47 +10.6%
Deferred Income Taxes -48 -55 +12.7%
Amortization Of Debt Discount Premium And Unrealized Realized Gain On Other Investments 0 -6 +100.0%
Stock-Based Compensation 55 53 +3.8%
Unrealized Gain Loss On Company Owned Life Insurance Net Of Expenses -65 -59 -10.2%
Other Non-Cash Items 16 4 +300.0%
Increase Decrease In Collateralized Agreements Net Of Collateralized Financings 470 -394 +219.3%
Increase Decrease Financing Receivable Related Party After Allowance For Credit Loss -134 -77 -74.0%
Increase Decrease In Receivables 64 147 -56.5%
Increase Decrease In Financial Instruments Used In Operating Activities -222 44 -604.5%
Increase Decrease In Derivative Assets And Liabilities1 15 -186 +108.1%
Increase Decrease In Other Operating Assets 41 27 +51.9%
Change in Accounts Payable -324 19 -1805.3%
Increase Decrease In Employee Related Liabilities 388 345 +12.5%
Increase Decrease In Mortgage Loans Held For Sale -131 -22 -495.5%
Net Cash from Operations 796 510 +56.1%
Investing Activities
Payments For Proceeds From Other Loans And Leases -1,667 -862 -93.4%
Proceeds From Sale Of Loans Held For Investment 27 78 -65.4%
Purchases of Investments -102 -106 +3.8%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 445 731 -39.1%
Capital Expenditures -44 -50 +12.0%
Other Investing Activities 8 5 +60.0%
Net Cash from Investing -1,423 -211 -574.4%
Financing Activities
Increase Decrease In Deposits 1,648 1,609 +2.4%
Payments For Repurchase Of Common Stock And Tax Withholding Share Based Payment Arrangement -353 -329 -7.3%
Payments Of Ordinary Dividends -102 -95 -7.4%
Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans Including Stock Options 5 9 -44.4%
Proceeds From Federal Home Loan Bank Borrowings 0 0 —
Repayments Of Federal Home Loan Bank Borrowings -50 0 —
Proceeds From Payments For Other Financing Activities 2 0 —
Net Cash from Financing 2,532 1,194 +112.1%
Supplemental
Interest Paid 459 544 -15.6%
Income Taxes Paid 141 116 +21.6%
Operating Lease Payments 34 30 +13.3%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 23 12 +91.7%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations -83 119 -169.7%
Net Change in Cash 1,822 1,612 +13.0%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 14,787 14,348 +3.1%
Show Consolidated Entities breakouts
Parent Company 2,328 806 +188.8%
Variable Interest Entity Primary Beneficiary · Carrying Reported Amount Fair Value Disclosure 19 17 +11.8%
Restricted Cash 3,398 3,350 +1.4%
Show Consolidated Entities breakouts
Parent Company 32 45 -28.9%

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

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