Risk factors

Raymond James Financial (RJF) risk factors

Item 1A of every Raymond James Financial Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    30 risks2 new4 dropped9 reworded

    Raymond James added focus on private equity-backed RIA competition and uninsured bank deposits. Macroeconomic, ESG, and regulatory compliance risks were updated to reflect changing market and federal conditions.

    Filed Nov 25, 2025
  • FY2024 10-K risk factors
    32 risks

    Raymond James faces significant regulatory compliance risks across its banking, broker-dealer, and asset management segments. The firm is heavily dependent on client cash sweep deposits and interest rate stability to drive bank segment growth. Cybersecurity threats, market volatility, and talent retention are primary operational vulnerabilities.

    Filed Nov 26, 2024