STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SF • US8606301021
124.01 USD
-1.52 (-1.21%)
At close: Feb 11, 2026
124.01 USD
0 (0%)
After Hours: 2/11/2026, 5:05:00 PM
Taking everything into account, SF scores 4 out of 10 in our fundamental rating. SF was compared to 238 industry peers in the Capital Markets industry. SF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- SF had positive earnings in the past year.
- In the past year SF had a positive cash flow from operations.
- Each year in the past 5 years SF has been profitable.
- Of the past 5 years SF 4 years had a positive operating cash flow.
1.2 Ratios
- SF has a Return On Assets of 1.50%. This is in the lower half of the industry: SF underperforms 63.03% of its industry peers.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 63.45% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.47%, SF is in line with its industry, outperforming 47.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROIC | 3.47% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SF's Profit Margin of 10.12% is on the low side compared to the rest of the industry. SF is outperformed by 63.45% of its industry peers.
- SF's Profit Margin has declined in the last couple of years.
- SF's Operating Margin of 27.20% is in line compared to the rest of the industry. SF outperforms 54.62% of its industry peers.
- In the last couple of years the Operating Margin of SF has grown nicely.
- SF's Gross Margin of 98.93% is amongst the best of the industry. SF outperforms 98.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% |
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- SF has an Altman-Z score of -0.24. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
- SF's Altman-Z score of -0.24 is on the low side compared to the rest of the industry. SF is outperformed by 80.67% of its industry peers.
- The Debt to FCF ratio of SF is 23.74, which is on the high side as it means it would take SF, 23.74 years of fcf income to pay off all of its debts.
- SF has a Debt to FCF ratio (23.74) which is in line with its industry peers.
- A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
- With a Debt to Equity ratio value of 5.62, SF is not doing good in the industry: 85.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.24 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.14, SF is doing worse than 89.50% of the companies in the same industry.
- A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- SF's Quick ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 89.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
- SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.42%, which is quite good.
- 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.
- The Revenue is expected to grow by 4.60% on average over the next years.
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 5Y4.6%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- SF is valuated correctly with a Price/Earnings ratio of 15.62.
- Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 28.23, SF is valued a bit cheaper.
- The Price/Forward Earnings ratio is 12.49, which indicates a correct valuation of SF.
- Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.50% of the companies are valued more expensively.
- SF is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.62 | ||
| Fwd PE | 12.49 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 92.86% of the companies are valued more expensively.
- 79.83% of the companies in the same industry are more expensive than SF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.26 | ||
| EV/EBITDA | 5.81 |
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)0.62
PEG (5Y)1.33
EPS Next 2Y17.95%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
- SF has a Yearly Dividend Yield of 1.06%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 6.12, SF is paying slightly less dividend.
- With a Dividend Yield of 1.06, SF pays less dividend than the S&P500 average, which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
5.2 History
- The dividend of SF is nicely growing with an annual growth rate of 26.83%!
- SF has been paying a dividend for at least 10 years, so it has a reliable track record.
- As SF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)26.83%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
- SF pays out 38.60% of its income as dividend. This is a sustainable payout ratio.
- SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
124.01
-1.52 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-21 2026-04-21/bmo
Inst Owners89.38%
Inst Owner Change-2.62%
Ins Owners3.11%
Ins Owner Change-2.75%
Market Cap12.63B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts78.75
Price Target146.03 (17.76%)
Short Float %1.99%
Short Ratio2.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-02 2026-03-02 (0.51)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.58%
Min EPS beat(2)0.27%
Max EPS beat(2)2.88%
EPS beat(4)3
Avg EPS beat(4)2.35%
Min EPS beat(4)-2.78%
Max EPS beat(4)9.03%
EPS beat(8)5
Avg EPS beat(8)1.34%
EPS beat(12)5
Avg EPS beat(12)-5.77%
EPS beat(16)6
Avg EPS beat(16)-5.45%
Revenue beat(2)2
Avg Revenue beat(2)2.84%
Min Revenue beat(2)0.89%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)1%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.71%
Revenue beat(12)6
Avg Revenue beat(12)0.87%
Revenue beat(16)7
Avg Revenue beat(16)0.12%
PT rev (1m)7.07%
PT rev (3m)9.29%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)4.61%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)2.18%
Revenue NY rev (1m)2.36%
Revenue NY rev (3m)5.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.62 | ||
| Fwd PE | 12.49 | ||
| P/S | 2.04 | ||
| P/FCF | 9.26 | ||
| P/OCF | 8.84 | ||
| P/B | 2.19 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 5.81 |
EPS(TTM)7.94
EY6.4%
EPS(NY)9.93
Fwd EY8.01%
FCF(TTM)13.39
FCFY10.79%
OCF(TTM)14.03
OCFY11.32%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)0.62
PEG (5Y)1.33
Graham Number100.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROCE | 26.18% | ||
| ROIC | 3.47% | ||
| ROICexc | 3.79% | ||
| ROICexgc | 4.12% | ||
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% | ||
| FCFM | 22.03% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Debt/EBITDA | 18.32 | ||
| Cap/Depr | 79.44% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | 1.93 | ||
| Cash Conversion | 80.91% | ||
| Profit Quality | 217.7% | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | -0.24 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 5Y4.6%
EBIT growth 1Y-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y12.1%
FCF growth 1Y82513.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1913.39%
OCF growth 3YN/A
OCF growth 5YN/A
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 6 / 10 to STIFEL FINANCIAL CORP (SF). This can be considered as Fairly Valued.
Can you provide the profitability details for STIFEL FINANCIAL CORP?
STIFEL FINANCIAL CORP (SF) has a profitability rating of 4 / 10.
What is the financial health of STIFEL FINANCIAL CORP (SF) stock?
The financial health rating of STIFEL FINANCIAL CORP (SF) is 1 / 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.