Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model Two out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading down 10 points (-0.1%) at 13,082 as of Monday, Nov. 5, 2012, 1:34 PM ET. The NYSE advances/declines ratio sits at 1,351 issues advancing vs. 1,574 declining with 129 unchanged. The Financial Services industry currently sits down 0.2% versus the S&P 500, which is down 0.1%. On the negative front, top decliners within the industry include Walter Investment Management ( WAC), down 9.2%, CIT Group ( CIT), down 1.4%, Blackstone Group ( BX), down 1.0%, Brookfield Asset Management ( BAM), down 0.8% and Nomura Holdings ( NMR), down 0.8%. TheStreet Ratings group would like to highlight 5 stocks pushing the industry lower today: 5. Franklin Resources ( BEN) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Franklin Resources is down $1.68 (-1.3%) to $130.27 on light volume Thus far, 306,832 shares of Franklin Resources exchanged hands as compared to its average daily volume of 595,600 shares. The stock has ranged in price between $129.94-$132.08 after having opened the day at $131.51 as compared to the previous trading day's close of $131.95. Franklin Resources Inc. is a publicly owned asset management holding company. The firm provides its services to individuals, institutions, pension plans, trusts, and partnerships. It manages, through its subsidiary, separate client-focused equity, fixed income, and balanced portfolios. Franklin Resources has a market cap of $28.2 billion and is part of the financial sector. The company has a P/E ratio of 14.8, below the S&P 500 P/E ratio of 17.7. Shares are up 38.0% year to date as of the close of trading on Friday. Currently there are 8 analysts that rate Franklin Resources a buy, 1 analyst rates it a sell, and 8 rate it a hold. TheStreet Ratings rates Franklin Resources as a buy. The company's strengths can be seen in multiple areas, such as its solid stock price performance, growth in earnings per share, notable return on equity and increase in net income. Although no company is perfect, currently we do not see any significant weaknesses which are likely to detract from the generally positive outlook. Get the full Franklin Resources Ratings Report now.