STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - NYSE:SF - US8606301021 - Common Stock
121.74 USD
+1.67 (+1.39%)
121.74 USD
0 (0%)
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 237 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 has a decent growth rate and is not valued too expensively. SF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SF was profitable.
SF had a positive operating cash flow in the past year.
SF had positive earnings in each of the past 5 years.
In the past 5 years SF always reported a positive cash flow from operatings.
1.2 Ratios
SF has a worse Return On Assets (1.44%) than 61.18% of its industry peers.
Looking at the Return On Equity, with a value of 10.24%, SF is in line with its industry, outperforming 57.81% of the companies in the same industry.
The Return On Invested Capital of SF (3.47%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SF is below the industry average of 7.63%.
The last Return On Invested Capital (3.47%) for SF is above the 3 year average (3.24%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 10.24% | ||
| ROIC | 3.47% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
1.3 Margins
With a Profit Margin value of 9.51%, SF is not doing good in the industry: 60.76% of the companies in the same industry are doing better.
SF's Profit Margin has been stable in the last couple of years.
The Operating Margin of SF (27.53%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of SF has grown nicely.
The Gross Margin of SF (98.89%) is better than 98.31% of its industry peers.
SF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.53% | ||
| PM (TTM) | 9.51% | ||
| GM | 98.89% |
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
2. Health
2.1 Basic Checks
The number of shares outstanding for SF has been increased compared to 1 year ago.
The number of shares outstanding for SF has been increased compared to 5 years ago.
SF has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.27, we must say that SF is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of SF (-0.27) is worse than 79.32% of its industry peers.
SF has a debt to FCF ratio of 25.16. This is a negative value and a sign of low solvency as SF would need 25.16 years to pay back of all of its debts.
The Debt to FCF ratio of SF (25.16) is comparable to the rest of the industry.
SF has a Debt/Equity ratio of 5.52. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SF (5.52) is worse than 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.52 | ||
| Debt/FCF | 25.16 | ||
| Altman-Z | -0.27 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.10 indicates that SF may have some problems paying its short term obligations.
SF has a worse Current ratio (0.10) than 91.56% of its industry peers.
SF has a Quick Ratio of 0.10. 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 Quick ratio (0.10) than 91.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.81%, which is quite impressive.
SF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.86% yearly.
SF shows a small growth in Revenue. In the last year, the Revenue has grown by 7.63%.
Measured over the past years, SF shows a quite strong growth in Revenue. The Revenue has been growing by 11.11% on average per year.
EPS 1Y (TTM)23.81%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%30%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
3.2 Future
The Earnings Per Share is expected to grow by 8.15% on average over the next years. This is quite good.
SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.89% yearly.
EPS Next Y15.17%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
EPS Next 5Y8.15%
Revenue Next Year8.74%
Revenue Next 2Y10.14%
Revenue Next 3Y9.55%
Revenue Next 5Y4.89%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.15 indicates a correct valuation of SF.
Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
When comparing the Price/Earnings ratio of SF to the average of the S&P500 Index (25.83), we can say SF is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 12.55, the valuation of SF can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
SF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.15 | ||
| Fwd PE | 12.55 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SF is valued cheaper than 91.98% of the companies in the same industry.
SF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SF is cheaper than 72.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.13 | ||
| EV/EBITDA | 6.36 |
4.3 Compensation for Growth
SF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as SF's earnings are expected to grow with 17.15% in the coming years.
PEG (NY)1.06
PEG (5Y)1.49
EPS Next 2Y19.26%
EPS Next 3Y17.15%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 6.29%, which is a nice return.
Compared to an average industry Dividend Yield of 8.39, SF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, SF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.29% |
5.2 History
On average, the dividend of SF grows each year by 26.83%, 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)26.83%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
42.13% of the earnings are spent on dividend by SF. This is a bit on the high side, but may be sustainable.
The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.13%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
121.74
+1.67 (+1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.51%
Inst Owner Change0.43%
Ins Owners3.15%
Ins Owner Change-4.57%
Market Cap12.44B
Revenue(TTM)6.19B
Net Income(TTM)573.28M
Analysts78.75
Price Target133.62 (9.76%)
Short Float %3.11%
Short Ratio4.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.29% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP42.13%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.05%
Min EPS beat(2)-2.78%
Max EPS beat(2)2.88%
EPS beat(4)2
Avg EPS beat(4)0%
Min EPS beat(4)-9.13%
Max EPS beat(4)9.03%
EPS beat(8)4
Avg EPS beat(8)-5.53%
EPS beat(12)4
Avg EPS beat(12)-6.94%
EPS beat(16)6
Avg EPS beat(16)-4.95%
Revenue beat(2)1
Avg Revenue beat(2)-1.82%
Min Revenue beat(2)-4.53%
Max Revenue beat(2)0.89%
Revenue beat(4)2
Avg Revenue beat(4)-0.41%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)2.84%
Revenue beat(8)3
Avg Revenue beat(8)-0.58%
Revenue beat(12)5
Avg Revenue beat(12)0.41%
Revenue beat(16)7
Avg Revenue beat(16)-0.06%
PT rev (1m)3.97%
PT rev (3m)12.38%
EPS NQ rev (1m)2.63%
EPS NQ rev (3m)0.57%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)2.29%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)2.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.15 | ||
| Fwd PE | 12.55 | ||
| P/S | 2.06 | ||
| P/FCF | 10.13 | ||
| P/OCF | 9.65 | ||
| P/B | 2.22 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | 6.36 |
EPS(TTM)7.54
EY6.19%
EPS(NY)9.7
Fwd EY7.97%
FCF(TTM)12.02
FCFY9.87%
OCF(TTM)12.62
OCFY10.36%
SpS59.01
BVpS54.78
TBVpS39.18
PEG (NY)1.06
PEG (5Y)1.49
Graham Number96.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 10.24% | ||
| ROCE | 26.45% | ||
| ROIC | 3.47% | ||
| ROICexc | 3.66% | ||
| ROICexgc | 3.99% | ||
| OM | 27.53% | ||
| PM (TTM) | 9.51% | ||
| GM | 98.89% | ||
| FCFM | 20.36% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
ROICexc(3y)3.52%
ROICexc(5y)3.22%
ROICexgc(3y)3.83%
ROICexgc(5y)3.53%
ROCE(3y)23.39%
ROCE(5y)18.24%
ROICexgc growth 3Y13.05%
ROICexgc growth 5Y6.85%
ROICexc growth 3Y13.05%
ROICexc growth 5Y7.88%
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.52 | ||
| Debt/FCF | 25.16 | ||
| Debt/EBITDA | 17.72 | ||
| Cap/Depr | 74.25% | ||
| Cap/Sales | 1.02% | ||
| Interest Coverage | 1.82 | ||
| Cash Conversion | 73.97% | ||
| Profit Quality | 214.14% | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | -0.27 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)88.97%
Cap/Depr(5y)136.67%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.98%
Profit Quality(3y)108.09%
Profit Quality(5y)148.9%
High Growth Momentum
Growth
EPS 1Y (TTM)23.81%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%30%
EPS Next Y15.17%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
EPS Next 5Y8.15%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year8.74%
Revenue Next 2Y10.14%
Revenue Next 3Y9.55%
Revenue Next 5Y4.89%
EBIT growth 1Y-3.9%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-12.57%
EBIT Next 3Y1.63%
EBIT Next 5Y2.66%
FCF growth 1Y-6.12%
FCF growth 3Y-15.23%
FCF growth 5Y-2.34%
OCF growth 1Y-7.25%
OCF growth 3Y-17.46%
OCF growth 5Y-4.79%
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 of STIFEL FINANCIAL CORP (SF) stock?
ChartMill assigns a valuation rating of 5 / 10 to STIFEL FINANCIAL CORP (SF). This can be considered as Fairly Valued.
What is the profitability of SF stock?
STIFEL FINANCIAL CORP (SF) has a profitability rating of 5 / 10.
What is the expected EPS growth for STIFEL FINANCIAL CORP (SF) stock?
The Earnings per Share (EPS) of STIFEL FINANCIAL CORP (SF) is expected to grow by 15.17% in the next year.
Is the dividend of STIFEL FINANCIAL CORP sustainable?
The dividend rating of STIFEL FINANCIAL CORP (SF) is 7 / 10 and the dividend payout ratio is 42.13%.