STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

74.74 USD
-0.83 (-1.1%)
At close: Mar 3, 2026
74.8643 USD
+0.12 (+0.17%)
After Hours: 3/3/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SF. SF was compared to 238 industry peers in the Capital Markets industry. There are concerns on the financial health of SF while its profitability can be described as average. SF is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

5

1. SF Profitability Analysis

1.1 Basic Checks

  • In the past year SF was profitable.
  • SF had a positive operating cash flow in the past year.
  • Each year in the past 5 years SF has been profitable.
  • SF had a positive operating cash flow in each of the past 5 years.
SF Yearly Net Income VS EBIT VS OCF VS FCFSF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

1.2 Ratios

  • SF has a worse Return On Assets (1.57%) than 60.92% of its industry peers.
  • With a decent Return On Equity value of 10.82%, SF is doing good in the industry, outperforming 63.03% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.51%, SF is in line with its industry, outperforming 48.32% of the companies in the same industry.
  • SF had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 7.27%.
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROIC 3.51%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
SF Yearly ROA, ROE, ROICSF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SF's Profit Margin of 10.19% is on the low side compared to the rest of the industry. SF is outperformed by 60.50% of its industry peers.
  • In the last couple of years the Profit Margin of SF has declined.
  • SF has a Operating Margin (26.61%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of SF has grown nicely.
  • SF's Gross Margin of 98.96% is amongst the best of the industry. SF outperforms 99.16% of its industry peers.
  • In the last couple of years the Gross Margin of SF has remained more or less at the same level.
Industry RankSector Rank
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
SF Yearly Profit, Operating, Gross MarginsSF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SF Health Analysis

2.1 Basic Checks

  • SF has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SF has less shares outstanding
  • The debt/assets ratio for SF has been reduced compared to a year ago.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
SF Yearly Total Debt VS Total AssetsSF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • SF has an Altman-Z score of -0.33. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.33, SF is doing worse than 81.93% of the companies in the same industry.
  • SF has a debt to FCF ratio of 30.21. This is a negative value and a sign of low solvency as SF would need 30.21 years to pay back of all of its debts.
  • SF's Debt to FCF ratio of 30.21 is in line compared to the rest of the industry. SF outperforms 54.20% of its industry peers.
  • SF has a Debt/Equity ratio of 5.33. This is a high value indicating a heavy dependency on external financing.
  • SF's Debt to Equity ratio of 5.33 is on the low side compared to the rest of the industry. SF is outperformed by 84.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.33
ROIC/WACCN/A
WACCN/A
SF Yearly LT Debt VS Equity VS FCFSF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

2.3 Liquidity

  • SF has a Current Ratio of 0.12. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • SF has a worse Current ratio (0.12) than 90.34% of its industry peers.
  • SF has a Quick Ratio of 0.12. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.12, SF is not doing good in the industry: 90.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
SF Yearly Current Assets VS Current LiabilitesSF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.42% over the past year.
  • Measured over the past years, SF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.71% on average per year.
  • The Revenue has been growing slightly by 6.65% in the past year.
  • SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.70% yearly.
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%

3.2 Future

  • SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.88% yearly.
  • SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SF Yearly Revenue VS EstimatesSF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B
SF Yearly EPS VS EstimatesSF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. SF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.41, the valuation of SF can be described as very reasonable.
  • SF's Price/Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 68.91% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.83. SF is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 7.53, the valuation of SF can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SF indicates a rather cheap valuation: SF is cheaper than 83.19% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (24.95), we can say SF is valued rather cheaply.
Industry RankSector Rank
PE 9.41
Fwd PE 7.53
SF Price Earnings VS Forward Price EarningsSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 96.64% of the companies in the same industry are more expensive than SF, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, SF is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.3
EV/EBITDA 3.43
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • SF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.38
PEG (5Y)0.8
EPS Next 2Y17.95%
EPS Next 3Y10.9%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SF Dividend Analysis

5.1 Amount

  • SF has a Yearly Dividend Yield of 1.73%.
  • SF's Dividend Yield is comparable with the industry average which is at 6.44.
  • SF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

  • On average, the dividend of SF grows each year by 22.59%, which is quite nice.
  • SF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)22.59%
Div Incr Years7
Div Non Decr Years7
SF Yearly Dividends per shareSF Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.67% of the earnings are spent on dividend by SF. This is a low number and sustainable payout ratio.
  • The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP37.67%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
SF Yearly Income VS Free CF VS DividendSF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B
SF Dividend Payout.SF Dividend Payout, showing the Payout Ratio.SF Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SF Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP

NYSE:SF (3/3/2026, 8:04:00 PM)

After market: 74.8643 +0.12 (+0.17%)

74.74

-0.83 (-1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.38%
Inst Owner Change0.17%
Ins Owners3.11%
Ins Owner Change3.94%
Market Cap7.70B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price TargetN/A
Short Float %N/A
Short Ratio3.07
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend2.39
Dividend Growth(5Y)22.59%
DP37.67%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.07%
Min EPS beat(2)0.27%
Max EPS beat(2)1.86%
EPS beat(4)3
Avg EPS beat(4)0.56%
Min EPS beat(4)-2.78%
Max EPS beat(4)2.88%
EPS beat(8)5
Avg EPS beat(8)0.19%
EPS beat(12)6
Avg EPS beat(12)-5.09%
EPS beat(16)6
Avg EPS beat(16)-6.23%
Revenue beat(2)2
Avg Revenue beat(2)2.77%
Min Revenue beat(2)0.75%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)6
Avg Revenue beat(12)0.45%
Revenue beat(16)7
Avg Revenue beat(16)-0.12%
PT rev (1m)4%
PT rev (3m)9.29%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-2.68%
EPS NY rev (1m)4.11%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.27%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 9.41
Fwd PE 7.53
P/S 1.21
P/FCF 7.3
P/OCF 6.89
P/B 1.29
P/tB 1.75
EV/EBITDA 3.43
EPS(TTM)7.94
EY10.62%
EPS(NY)9.93
Fwd EY13.29%
FCF(TTM)10.24
FCFY13.7%
OCF(TTM)10.84
OCFY14.51%
SpS61.63
BVpS58.03
TBVpS42.77
PEG (NY)0.38
PEG (5Y)0.8
Graham Number101.82
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROCE 25.4%
ROIC 3.51%
ROICexc 3.73%
ROICexgc 4.05%
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
FCFM 16.62%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
ROICexc(3y)3.98%
ROICexc(5y)3.53%
ROICexgc(3y)4.34%
ROICexgc(5y)3.84%
ROCE(3y)26.29%
ROCE(5y)22.7%
ROICexgc growth 3Y11.99%
ROICexgc growth 5Y6.26%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Debt/EBITDA 17.86
Cap/Depr 65.25%
Cap/Sales 0.98%
Interest Coverage 2.03
Cash Conversion 62.61%
Profit Quality 163.18%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.33
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)125.45%
Cap/Sales(3y)1.08%
Cap/Sales(5y)1.79%
Profit Quality(3y)105.13%
Profit Quality(5y)114.82%
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%
EBIT growth 1Y-11.56%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year63.21%
EBIT Next 3Y13.33%
EBIT Next 5Y11.27%
FCF growth 1Y153.2%
FCF growth 3Y-0.63%
FCF growth 5Y-7.86%
OCF growth 1Y127.76%
OCF growth 3Y-1.18%
OCF growth 5Y-7.64%

STIFEL FINANCIAL CORP / SF FAQ

What is the fundamental rating for SF stock?

ChartMill assigns a fundamental rating of 4 / 10 to SF.


What is the valuation status for SF stock?

ChartMill assigns a valuation rating of 8 / 10 to STIFEL FINANCIAL CORP (SF). This can be considered as Undervalued.


Can you provide the profitability details for STIFEL FINANCIAL CORP?

STIFEL FINANCIAL CORP (SF) has a profitability rating of 5 / 10.


What is the financial health of STIFEL FINANCIAL CORP (SF) stock?

The financial health rating of STIFEL FINANCIAL CORP (SF) is 2 / 10.


Can you provide the expected EPS growth for SF stock?

The Earnings per Share (EPS) of STIFEL FINANCIAL CORP (SF) is expected to grow by 25.05% in the next year.