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RJF vs SCHW
Which Stock Would AI Choose? Raymond James Financial (RJF) vs. Charles Schwab (SCHW) Stock Comparison
Key Takeaways
- Both RJF and SCHW delivered strong quarterly earnings beats in recent weeks, with record revenues reflecting robust asset growth and client engagement.
- SCHW outperforms year-to-date with an 8.8% gain compared to RJF's 2.4%, driven by higher revenue growth.
- RJF trades at a more attractive forward P/E ratio of around 14.7 versus SCHW's 18.1, positioning it as a relative value play.
- SCHW's larger scale is evident in its $159 billion market cap and $11.8 trillion in client assets, dwarfing RJF's $30 billion cap and $282 billion AUM (assets under management).
- Analyst price targets imply greater upside potential for SCHW at approximately 27% versus 12% for RJF.
- Both stocks benefit from positive market sentiment around financial services amid rising equities, though interest rate sensitivity remains a shared risk factor.
Introduction
RJF and SCHW are prominent players in the brokerage and wealth management sector, serving as key benchmarks for investors tracking financial services exposure. This comparison analyzes their recent performance, business models, and market positioning to aid traders evaluating relative strength in a volatile environment. With both firms reporting robust earnings amid favorable equity markets and client inflows, value-oriented investors may favor one for its valuation while growth seekers eye the other's scale and momentum. Understanding these dynamics supports informed decisions on sector rotation and portfolio allocation.
RJF Overview and Recent Performance
Raymond James Financial (RJF) provides diversified financial services, emphasizing independent financial advisors, institutional sales, and capital markets. In recent market activity, RJF achieved record fiscal Q2 2026 revenues of $3.86 billion, up 13% year-over-year, driven by higher net interest income (NII) and asset management fees. Adjusted EPS reached $2.83, surpassing estimates, with AUM expanding 15% to $282 billion on strong net new assets. The stock has shown resilience, trading near $156 with a 52-week range of $134-$178, supported by a 17.3% return on common equity (ROE). Sentiment has improved post-earnings due to adviser recruiting and technology investments, though elevated expenses pose margin pressure amid fluctuating rates.
SCHW Overview and Recent Performance
The Charles Schwab Corporation (SCHW) operates a leading discount brokerage platform with extensive retail and advisory services, bolstered by vast client assets. Recent quarters highlighted record Q1 CY2026 revenues of $6.48 billion, up 16% year-over-year, fueled by trading activity, banking fees, and $140 billion in net new assets. Adjusted EPS hit $1.43, a 38% increase, reflecting operational efficiency and client growth. Shares trade around $91 within a 52-week range of $79-$108, with YTD gains outpacing peers despite a post-earnings dip. Positive factors include a 19% ROE and lower beta of 0.90 for stability, though NII remains sensitive to interest rate shifts in recent weeks.
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Head-to-Head Comparison
Business models differ notably: RJF focuses on advisor-led wealth management with higher fee-based revenue, while SCHW excels in low-cost retail trading and banking, enabling greater scale. Growth drivers favor SCHW's faster asset inflows and revenue acceleration, contrasting RJF's steady but slower expansion. Recent momentum tilts to SCHW with superior YTD returns, though RJF offers better valuation trade-offs via lower P/E and PEG ratios. Risk factors include shared exposure to rate changes impacting NII, but SCHW's lower beta provides relative stability. Sector positioning benefits both from equity rallies, yet SCHW garners stronger sentiment from its retail dominance.
Tickeron AI Verdict
Tickeron’s AI currently favors SCHW over RJF, citing superior trend consistency in recent market activity, explosive earnings growth, expansive client base, and higher analyst-implied upside. While RJF appeals for value metrics, SCHW's catalysts and positioning suggest stronger probabilistic outperformance in the near term.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is RJF is a StrongBuy and SCHW is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
RJF’s FA Score shows that 2 FA rating(s) are green whileSCHW’s FA Score has 1 green FA rating(s).
- RJF’s FA Score: 2 green, 3 red.
- SCHW’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
RJF’s TA Score shows that 6 TA indicator(s) are bullish while SCHW’s TA Score has 5 bullish TA indicator(s).
- RJF’s TA Score: 6 bullish, 4 bearish.
- SCHW’s TA Score: 5 bullish, 4 bearish.
Price Growth
RJF (@Investment Managers) experienced а +1.25% price change this week, while SCHW (@Investment Banks/Brokers) price change was +1.19% for the same time period.
The average weekly price growth across all stocks in the @Investment Managers industry was -2.08%. For the same industry, the average monthly price growth was -2.27%, and the average quarterly price growth was -7.83%.
The average weekly price growth across all stocks in the @Investment Banks/Brokers industry was -1.86%. For the same industry, the average monthly price growth was -2.38%, and the average quarterly price growth was -6.22%.
Reported Earning Dates
RJF is expected to report earnings on Jul 22, 2026.
SCHW is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Investment Managers (-2.08% weekly)Investment Managers manage financial assets and other investments of clients. Management includes designing a short- or long-term strategy for buying/holding and selling of portfolio holdings. It can also include tax services and other aspects of financial planning as well. While it is perceived that the industry is faced with growing competition from robo-advisors/digital platforms and passive/ index-tracking funds, many investors still find value in actively managed in-person services that investment management companies often emphasize on. At the same time, many wealth managers are also incorporating digital initiatives/low cost options in addition to their in-person customized services. Their main sources of revenues are fees as a percentage of assets under management, in addition to a certain portion of clients’ gains from asset appreciation. BlackRock, Inc., Blackstone Group Inc and Brookfield Asset Management are some of the major investment management companies.
@Investment Banks/Brokers (-1.86% weekly)These banks specialize in underwriting (helping companies with debt financing or equity issuances), IPOs, facilitating mergers and other corporate reorganizations and acting as a broker or financial advisor for institutions. They might also trade securities on their own accounts. Investment banks potentially thrive on expanding its network of clients, since that could help them increase profits. Goldman Sachs, Morgan Stanley and CME Group Inc are some of the largest investment banking companies.
| RJF | SCHW | RJF / SCHW | |
| Capitalization | 30.5B | 160B | 19% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -1.758 | -7.244 | 24% |
| P/E Ratio | 14.79 | 18.30 | 81% |
| Revenue | 14.5B | 24.8B | 58% |
| Total Cash | 2.61B | N/A | - |
| Total Debt | 4.22B | 33.1B | 13% |
RJF | SCHW | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 13 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 69 Overvalued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 32 | 68 | |
SMR RATING 1..100 | 15 | 7 | |
PRICE GROWTH RATING 1..100 | 52 | 58 | |
P/E GROWTH RATING 1..100 | 50 | 81 | |
SEASONALITY SCORE 1..100 | 45 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
RJF's Valuation (69) in the Investment Banks Or Brokers industry is in the same range as SCHW (80). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
RJF's Profit vs Risk Rating (32) in the Investment Banks Or Brokers industry is somewhat better than the same rating for SCHW (68). This means that RJF’s stock grew somewhat faster than SCHW’s over the last 12 months.
SCHW's SMR Rating (7) in the Investment Banks Or Brokers industry is in the same range as RJF (15). This means that SCHW’s stock grew similarly to RJF’s over the last 12 months.
RJF's Price Growth Rating (52) in the Investment Banks Or Brokers industry is in the same range as SCHW (58). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
RJF's P/E Growth Rating (50) in the Investment Banks Or Brokers industry is in the same range as SCHW (81). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
| RJF | SCHW | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 45% | 2 days ago 44% |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 52% |
| Momentum ODDS (%) | 2 days ago 64% | 2 days ago 59% |
| MACD ODDS (%) | 2 days ago 64% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 59% | 2 days ago 60% |
| Advances ODDS (%) | 8 days ago 59% | 7 days ago 56% |
| Declines ODDS (%) | 13 days ago 58% | 21 days ago 60% |
| BollingerBands ODDS (%) | 2 days ago 61% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 59% | N/A |
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RJF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RJF has been closely correlated with SF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if RJF jumps, then SF could also see price increases.
SCHW and
Correlation & Price change
A.I.dvisor indicates that over the last year, SCHW has been closely correlated with RJF. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if SCHW jumps, then RJF could also see price increases.
| Ticker / NAME | Correlation To SCHW | 1D Price Change % | ||
|---|---|---|---|---|
| SCHW | 100% | +0.36% | ||
| RJF - SCHW | 72% Closely correlated | +0.51% | ||
| LPLA - SCHW | 68% Closely correlated | +1.25% | ||
| NDAQ - SCHW | 62% Loosely correlated | +0.45% | ||
| MORN - SCHW | 57% Loosely correlated | -0.18% | ||
| SPGI - SCHW | 56% Loosely correlated | -0.86% | ||
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