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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark one)

☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF
			THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended December 31, 2022

or

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
			THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from						to

Commission File Number: 1-9109

RAYMOND JAMES FINANCIAL, INC.

(Exact name of registrant as specified in its charter)

Florida						59-1517485
(State or other jurisdiction of incorporation or organization)						(I.R.S. Employer Identification No.)

880 Carillon Parkway, St. Petersburg, Florida 33716

(Address of principal executive offices)    (Zip Code)

(727) 567-1000

(Registrant’s telephone number, including area code)

None

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Exchange Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $.01 par value			RJF			New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of 6.75% Fixed-to-Floating Rate Series A Non-Cumulative Perpetual Preferred Stock			RJF PrA			New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of 6.375% Fixed-to-Floating Rate Series B Non-Cumulative Perpetual Preferred Stock			RJF PrB			New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes x No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or such shorter period that the registrant was required to submit such files). Yes x No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.  See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer			x			Accelerated filer			☐
Non-accelerated filer			☐			Smaller reporting company			☐
						Emerging growth company			☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐                              No ☒

Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date.

215,351,531 shares of common stock as of February 1, 2023

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

INDEX
									PAGE
PART I						FINANCIAL INFORMATION
Item 1.						Financial Statements (Unaudited)			3
						Condensed Consolidated Statements of Financial Condition (Unaudited)			3
						Condensed Consolidated Statements of Income and Comprehensive Income (Unaudited)			4
						Condensed Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)			5
						Condensed Consolidated Statements of Cash Flows (Unaudited)			6
						Notes to Condensed Consolidated Financial Statements (Unaudited)
						Note 1 - Organization and basis of presentation			8
						Note 2 - Update of significant accounting policies			8
						Note 3 - Fair value			9
						Note 4 - Available-for-sale securities			14
						Note 5 - Derivative assets and derivative liabilities			17
						Note 6 - Collateralized agreements and financings			19
						Note 7 - Bank loans, net			21
						Note 8 - Loans to financial advisors, net			28
						Note 9 - Variable interest entities			28
						Note 10 - Other assets			29
						Note 11 - Leases			30
						Note 12 - Bank deposits			30
						Note 13 - Other borrowings			31
						Note 14 - Income taxes			32
						Note 15 - Commitments, contingencies and guarantees			32
						Note 16 - Shareholders’ equity			34
						Note 17 - Revenues			37
						Note 18 - Interest income and interest expense			39
						Note 19 - Share-based compensation			39
						Note 20 - Regulatory capital requirements			40
						Note 21 - Earnings per share			43
						Note 22 - Segment information			44
Item 2.						Management’s Discussion and Analysis of Financial Condition and Results of Operations			46
Item 3.						Quantitative and Qualitative Disclosures about Market Risk			82
Item 4.						Controls and Procedures			82
PART II						OTHER INFORMATION
Item 1.						Legal Proceedings			83
Item 1A.						Risk Factors			83
Item 2.						Unregistered Sales of Equity Securities and Use of Proceeds			83
Item 3.						Defaults Upon Senior Securities			83
Item 4.						Mine Safety Disclosures			83
Item 5.						Other Information			83
Item 6.						Exhibits			84
						Signatures			85

2

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PART I. FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

$ in millions, except per share amounts						December 31, 2022						September 30, 2022
Assets:
Cash and cash equivalents						$	6,177					$	6,178
Assets segregated for regulatory purposes and restricted cash						5,116						8,481
Collateralized agreements						335						704
Financial instruments, at fair value:
Trading assets ($969 and $1,188 pledged as collateral)						1,112						1,270
Available-for-sale securities ($74 and $74 pledged as collateral)						9,793						9,885
Derivative assets						107						188
Other investments ($15 and $14 pledged as collateral)						296						292
Brokerage client receivables, net						2,641						2,934
Other receivables, net						1,252						1,615
Bank loans, net						44,066						43,239
Loans to financial advisors, net						1,122						1,152
Deferred income taxes, net						572						630
Goodwill and identifiable intangible assets, net						1,938						1,931
Other assets						2,520						2,452
Total assets						$	77,047					$	80,951
Liabilities and shareholders’ equity:
Bank deposits						$	51,979					$	51,357
Collateralized financings						194						466
Financial instrument liabilities, at fair value:
Trading liabilities						692						836
Derivative liabilities						452						530
Brokerage client payables						7,728						11,446
Accrued compensation, commissions and benefits						1,281						1,787
Other payables						1,703						1,768
Other borrowings						1,150						1,291
Senior notes payable						2,038						2,038
Total liabilities						67,217						71,519
Commitments and contingencies (see Note 15)
Shareholders’ equity
Preferred stock						120						120
Common stock; $.01 par value; 650,000,000 shares authorized; 248,081,414 shares issued and 214,984,869 shares outstanding as of December 31, 2022; 248,018,564 shares issued and 215,122,523 shares outstanding as of September 30, 2022						2						2
Additional paid-in capital						2,975						2,987
Retained earnings						9,254						8,843
Treasury stock, at cost; 33,096,545 and 32,896,041 common shares as of December 31, 2022 and September 30, 2022, respectively						(1,604)						(1,512)
Accumulated other comprehensive loss						(891)						(982)
Total equity attributable to Raymond James Financial, Inc.						9,856						9,458
Noncontrolling interests						(26)						(26)
Total shareholders’ equity						9,830						9,432
Total liabilities and shareholders’ equity						$	77,047					$	80,951

See accompanying Notes to Condensed Consolidated Financial Statements (Unaudited).

3

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

						Three months ended December 31,
in millions, except per share amounts						2022						2021
Revenues:
Asset management and related administrative fees						$	1,242					$	1,382
Brokerage revenues:
Securities commissions						352						425
Principal transactions						132						133
Total brokerage revenues						484						558
Account and service fees						289						177
Investment banking						141						425
Interest income						827						225
Other						44						51
Total revenues						3,027						2,818
Interest expense						(241)						(37)
Net revenues						2,786						2,781
Non-interest expenses:
Compensation, commissions and benefits						1,736						1,884
Non-compensation expenses:
Communications and information processing						139						112
Occupancy and equipment						66						59
Business development						56						35
Investment sub-advisory fees						34						38
Professional fees						32						28
Bank loan provision/(benefit) for credit losses						14						(11)
Other						57						78
Total non-compensation expenses						398						339
Total non-interest expenses						2,134						2,223
Pre-tax income						652						558
Provision for income taxes						143						112
Net income						509						446
Preferred stock dividends						2						—
Net income available to common shareholders						$	507					$	446
Earnings per common share – basic						$	2.36					$	2.16
Earnings per common share – diluted						$	2.30					$	2.10
Weighted-average common shares outstanding – basic						214.7						206.3
Weighted-average common and common equivalent shares outstanding – diluted						220.4						212.4
Net income						$	509					$	446
Other comprehensive income/(loss), net of tax:
Available-for-sale securities						47						(55)
Currency translations, net of the impact of net investment hedges						46						—
Cash flow hedges						(2)						9
Total other comprehensive income/(loss), net of tax						91						(46)
Total comprehensive income						$	600					$	400

See accompanying Notes to Condensed Consolidated Financial Statements (Unaudited).

4

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

(Unaudited)

						Three months ended December 31,
$ in millions, except per share amounts						2022						2021
Preferred stock:
Balance beginning of period						$	120					$	—
Shares issuances						—						—
Balance end of period						120						—
Common stock, par value $.01 per share:
Balance beginning of period						2						2
Share issuances						—						—
Balance end of period						2						2
Additional paid-in capital:
Balance beginning of period						2,987						2,088
Employee stock purchases						7						8
Distributions due to vesting of restricted stock units and exercise of stock options, net of forfeitures						(99)						(105)
Share-based compensation amortization						80						64
Balance end of period						2,975						2,055
Retained earnings:
Balance beginning of period						8,843						7,633
Net income						509						446
Common and preferred stock cash dividends declared (see Note 16)						(98)						(76)
Balance end of period						9,254						8,003
Treasury stock:
Balance beginning of period						(1,512)						(1,437)
Purchases/surrenders						(147)						(10)
Reissuances due to vesting of restricted stock units and exercise of stock options						55						74
Balance end of period						(1,604)						(1,373)
Accumulated other comprehensive loss:
Balance beginning of period						(982)						(41)
Other comprehensive income/(loss), net of tax						91						(46)
Balance end of period						(891)						(87)
Total equity attributable to Raymond James Financial, Inc.						$	9,856					$	8,600
Noncontrolling interests:
Balance beginning of period						$	(26)					$	58
Net income attributable to noncontrolling interests						—						2
Deconsolidations and sales						—						(8)
Balance end of period						(26)						52
Total shareholders’ equity						$	9,830					$	8,652

See accompanying Notes to Condensed Consolidated Financial Statements (Unaudited).

5

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

						Three months ended December 31,
$ in millions						2022						2021
Cash flows from operating activities:
Net income						$	509					$	446
Adjustments to reconcile net income to net cash used in operating activities:
Depreciation and amortization						40						35
Deferred income taxes, net						25						14
Premium and discount amortization on available-for-sale securities and bank loans and net unrealized gain/loss on other investments						(11)						14
Provisions/(benefits) for credit losses and legal and regulatory proceedings						21						(8)
Share-based compensation expense						81						65
Unrealized gain on company-owned life insurance policies, net of expenses						(48)						(38)
Other						(10)						(1)
Net change in:
Assets segregated for regulatory purposes excluding cash and cash equivalents						—						(7,499)
Collateralized agreements, net of collateralized financings						97						125
Loans (provided to) financial advisors, net of repayments						25						(56)
Brokerage client receivables and other receivables, net						477						197
Trading instruments, net						127						209
Derivative instruments, net						(18)						58
Other assets						8						(431)
Brokerage client payables and other payables						(3,882)						5,021
Accrued compensation, commissions and benefits						(511)						(395)
Purchases and originations of loans held for sale, net of proceeds from sales of securitizations and loans held for sale						(66)						(43)
Net cash used in operating activities						(3,136)						(2,287)
Cash flows from investing activities:
Increase in bank loans, net						(826)						(1,137)
Proceeds from sales of loans held for investment						45						75
Purchases of available-for-sale securities						(153)						(824)
Available-for-sale securities maturations, repayments and redemptions						326						501
Additions to property and equipment						(27)						(19)
Investment in note receivable						—						(125)
Other investing activities, net						(31)						(26)
Net cash used in investing activities						(666)						(1,555)

See accompanying Notes to Condensed Consolidated Financial Statements (Unaudited).

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
						Three months ended December 31,
$ in millions						2022						2021
Cash flows from financing activities:
Increase in bank deposits						622						1,597
Repurchases of common stock and share-based awards withheld for payment of withholding tax requirements						(189)						(51)
Dividends on preferred and common stock						(81)						(60)
Exercise of stock options and employee stock purchases						11						17
Proceeds from Federal Home Loan Bank advances						650						850
Repayments of Federal Home Loan Bank advances and other borrowed funds						(791)						(851)
Other financing, net						(1)						(5)
Net cash provided by financing activities						221						1,497
Currency adjustment:
Effect of exchange rate changes on cash and cash equivalents, including those segregated for regulatory purposes						215						3
Net decrease in cash and cash equivalents, including those segregated for regulatory purposes and restricted cash						(3,366)						(2,342)
Cash and cash equivalents, including those segregated for regulatory purposes and restricted cash at beginning of year						14,659						16,449
Cash and cash equivalents, including those segregated for regulatory purposes and restricted cash at end of period						$	11,293					$	14,107
Cash and cash equivalents						$	6,177					$	8,216
Cash and cash equivalents segregated for regulatory purposes and restricted cash						5,116						5,891
Total cash and cash equivalents, including those segregated for regulatory purposes and restricted cash at end of period						$	11,293					$	14,107
Supplemental disclosures of cash flow information:
Cash paid for interest						$	216					$	41
Cash paid for income taxes, net						$	13					$	12
Cash outflows for lease liabilities						$	31					$	25
Non-cash right-of-use assets recorded for new and modified leases						$	13					$	16

See accompanying Notes to Condensed Consolidated Financial Statements (Unaudited).

7

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

December 31, 2022

NOTE 1 – ORGANIZATION AND BASIS OF PRESENTATION

Organization

Raymond James Financial, Inc. (“RJF” or the “firm”) is a financial holding company which, together with its subsidiaries, is engaged in various financial services activities, including providing investment management services to retail and institutional clients, merger & acquisition and advisory services, the underwriting, distribution, trading and brokerage of equity and debt securities, and the sale of mutual funds and other investment products.  The firm also provides corporate and retail banking services, and trust services. As used herein, the terms “our,” “we,” or “us” refer to RJF and/or one or more of its subsidiaries.

Basis of presentation

The accompanying unaudited condensed consolidated financial statements include the accounts of RJF and its consolidated subsidiaries that are generally controlled through a majority voting interest. We consolidate all of our 100%-owned subsidiaries. In addition, we consolidate any variable interest entity (“VIE”) in which we are the primary beneficiary. Additional information on these VIEs is provided in Note 2 of our Annual Report on Form 10-K (“2022 Form 10-K”) for the year ended September 30, 2022, as filed with the United States (“U.S.”) Securities and Exchange Commission (“SEC”) and in Note 9 of this Quarterly Report on Form 10-Q (“Form 10-Q”). When we do not have a controlling interest in an entity, but we exert significant influence over the entity, we apply the equity method of accounting. All material intercompany balances and transactions have been eliminated in consolidation.

Accounting estimates and assumptions

Certain financial information that is normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) but is not required for interim reporting purposes has been condensed or omitted. These unaudited condensed consolidated financial statements reflect, in the opinion of management, all adjustments necessary for a fair presentation of our consolidated financial position and results of operations for the periods presented.

The nature of our business is such that the results of any interim period are not necessarily indicative of results for a full year. These unaudited condensed consolidated financial statements should be read in conjunction with Management’s Discussion and Analysis of Financial Condition and Results of Operations and the Consolidated Financial Statements and Notes thereto included in our 2022 Form 10-K. To prepare condensed consolidated financial statements in accordance with GAAP, we must make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of liabilities at the date of the condensed consolidated financial statements, and the reported amounts of revenues and expenses for the reporting period. Actual results could differ from those estimates and could have a material impact on the condensed consolidated financial statements.

Reclassifications

Certain prior period amounts have been reclassified to conform to the current period’s presentation.

NOTE 2 – UPDATE OF SIGNIFICANT ACCOUNTING POLICIES

A summary of our significant accounting policies is included in Note 2 of our 2022 Form 10-K. There have been no significant changes in our significant accounting policies since September 30, 2022.

8

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RAYMOND JAMES FINANCIAL, INC. AND SUBSIDIARIES

Notes to Condensed Consolidated Financial Statements (Unaudited)