STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

Current stock price

70.93 USD
-1.31 (-1.81%)
At close:
70.93 USD
0 (0%)
After Hours:

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

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.
  • Each year in the past 5 years SF had a positive operating cash flow.
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

  • The Return On Assets of SF (1.57%) is comparable to the rest of the industry.
  • SF's Return On Equity of 10.82% is fine compared to the rest of the industry. SF outperforms 64.02% of its industry peers.
  • SF has a Return On Invested Capital (3.51%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SF is below the industry average of 7.28%.
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 has a Profit Margin (10.19%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of SF has declined.
  • With a Operating Margin value of 26.61%, SF perfoms like the industry average, outperforming 53.97% of the companies in the same industry.
  • In the last couple of years the Operating Margin of SF has grown nicely.
  • With an excellent Gross Margin value of 98.96%, SF belongs to the best of the industry, outperforming 99.16% of the companies in the same industry.
  • SF's Gross Margin has been stable in the last couple of years.
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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2

2. SF Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for SF has been reduced compared to 1 year ago.
  • The number of shares outstanding for SF has been reduced compared to 5 years ago.
  • Compared to 1 year ago, SF has an improved debt to assets ratio.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
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 -0.27. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of SF (-0.27) is worse than 80.75% of its industry peers.
  • The Debt to FCF ratio of SF is 30.21, which is on the high side as it means it would take SF, 30.21 years of fcf income to pay off 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 52.30% 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.
  • The Debt to Equity ratio of SF (5.33) is worse than 86.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.27
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

  • A Current Ratio of 0.12 indicates that SF may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.12, SF is doing worse than 92.47% of the companies in the same industry.
  • A Quick Ratio of 0.12 indicates that SF may have some problems paying its short term obligations.
  • SF has a Quick ratio of 0.12. This is amonst the worse of the industry: SF underperforms 92.47% of its industry peers.
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

  • 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.
  • The Earnings Per Share has been growing by 11.71% on average over the past years. This is quite good.
  • SF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.65%.
  • 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

  • Based on estimates for the next years, SF will show a small growth in Earnings Per Share. The EPS will grow by 5.10% on average per year.
  • Based on estimates for the next years, SF will show a small growth in Revenue. The Revenue will grow by 3.90% on average per year.
EPS Next Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
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.
  • 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.
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

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6

4. SF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.41, the valuation of SF can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
  • SF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.88.
  • With a Price/Forward Earnings ratio of 10.75, the valuation of SF can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than 60.67% of the companies in the same industry.
  • SF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.41
Fwd PE 10.75
SF Price Earnings VS Forward Price EarningsSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SF is cheaper than 92.05% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, SF is valued a bit cheaper than the industry average as 74.90% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.41
EV/EBITDA 5.38
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • A more expensive valuation may be justified as SF's earnings are expected to grow with 19.07% in the coming years.
PEG (NY)0.54
PEG (5Y)1.14
EPS Next 2Y18.16%
EPS Next 3Y19.07%

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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 1.88%.
  • SF's Dividend Yield is comparable with the industry average which is at 6.76.
  • Compared to an average S&P500 Dividend Yield of 1.89, SF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • On average, the dividend of SF grows each year by 13.04%, 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)13.04%
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

  • SF pays out 37.67% 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.
DP37.67%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
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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SF Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP

NYSE:SF (3/27/2026, 8:04:00 PM)

After market: 70.93 0 (0%)

70.93

-1.31 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners88.6%
Inst Owner Change0.15%
Ins Owners3.28%
Ins Owner Change3.74%
Market Cap10.98B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price Target97.01 (36.77%)
Short Float %N/A
Short Ratio4.29
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend1.59
Dividend Growth(5Y)13.04%
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)0%
PT rev (3m)7.07%
EPS NQ rev (1m)-32.61%
EPS NQ rev (3m)-33.87%
EPS NY rev (1m)-33.53%
EPS NY rev (3m)-30.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 13.41
Fwd PE 10.75
P/S 1.73
P/FCF 10.41
P/OCF 9.83
P/B 1.84
P/tB 2.49
EV/EBITDA 5.38
EPS(TTM)5.29
EY7.46%
EPS(NY)6.6
Fwd EY9.31%
FCF(TTM)6.82
FCFY9.61%
OCF(TTM)7.22
OCFY10.17%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)0.54
PEG (5Y)1.14
Graham Number67.8
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 -0.27
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 Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
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 Fundamental Analysis 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 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 24.69% in the next year.