Raymond James Financial vs Charles Schwab
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KIRAβs take AI analyst
I put Raymond James Financial and Charles Schwab side by side, using each oneβs latest annual report. Here is what stands out:
- Charles Schwab is the larger business, with $23.9B of revenue in fiscal 2025 against $15.9B for Raymond James Financial, about 1.5 times as much.
- Charles Schwab grew revenue faster (22.0%, against 6.6%).
- Investors pay more for each dollar of Charles Schwabβs earnings: a P/E of 16.3x against 13.8x for Raymond James Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Raymond James Financial
RJF
1/5
Share count change
Charles Schwab
SCHW
4/5
Revenue growth5-year growthNet marginReturn on equity
Side by side
Best in the row
| Latest fiscal year | RJF FY25 | SCHW FY25 |
|---|---|---|
| Size | ||
| Market cap | $32.7B | $162.3B |
| Revenue | $15.9B | $23.9B |
| Free cash flow | β | β |
| Net income | $2.1B | $8.9B |
| Growth | ||
| Revenue growth | 6.6% | 22.0% |
| 5-year growth | 14.3% | 15.4% |
| Share count change | β2.7% | β1.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 13.4% | 37.0% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 17.7% | 18.1% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $416M | $9.7B |
| Valuation & quality | ||
| P/E | 13.8x | 16.3x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.