STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

Current stock price

72.24 USD
-0.29 (-0.4%)
At close:
72.24 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.
  • In the past year SF had a positive cash flow from operations.
  • In the past 5 years SF has always 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

  • SF has a Return On Assets (1.57%) which is in line with its industry peers.
  • With a decent Return On Equity value of 10.82%, SF is doing good in the industry, outperforming 64.02% of the companies in the same industry.
  • The Return On Invested Capital of SF (3.51%) 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 7.28%.
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 of 10.19%. This is comparable to the rest of the industry: SF outperforms 41.84% of its industry peers.
  • SF's Profit Margin has declined in the last couple of years.
  • SF has a Operating Margin (26.61%) which is in line with its industry peers.
  • SF's Operating Margin has improved in the last couple of years.
  • 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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2

2. SF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, SF has less shares outstanding
  • 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

  • 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.
  • Looking at the Altman-Z score, with a value of -0.27, SF is doing worse than 80.75% 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.
  • The Debt to FCF ratio of SF (30.21) is comparable to the rest of the industry.
  • SF has a Debt/Equity ratio of 5.33. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.33, SF is not doing good in the industry: 86.19% of the companies in the same industry are doing better.
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

  • 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 Current ratio of 0.12. This is amonst the worse of the industry: SF underperforms 92.47% of its industry peers.
  • A Quick Ratio of 0.12 indicates that SF may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.12, SF is doing worse than 92.47% of the companies in the same industry.
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.
  • 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 13.66, the valuation of SF can be described as correct.
  • SF's Price/Earnings is on the same level as the industry average.
  • SF is valuated rather cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.95, the valuation of SF can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.67% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. SF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.66
Fwd PE 10.95
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 92.47% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, SF is valued a bit cheaper than 74.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.6
EV/EBITDA 5.41
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.
  • SF's earnings are expected to grow with 19.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)1.17
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 1.93%. Purely for dividend investing, there may be better candidates out there.
  • SF's Dividend Yield is comparable with the industry average which is at 6.72.
  • SF's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.93%

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.
  • As SF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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 (3/26/2026, 5:30:38 PM)

After market: 72.24 0 (0%)

72.24

-0.29 (-0.4%)

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 Cap11.18B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price TargetN/A
Short Float %N/A
Short Ratio4.29
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
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 13.66
Fwd PE 10.95
P/S 1.76
P/FCF 10.6
P/OCF 10.01
P/B 1.87
P/tB 2.54
EV/EBITDA 5.41
EPS(TTM)5.29
EY7.32%
EPS(NY)6.6
Fwd EY9.14%
FCF(TTM)6.82
FCFY9.43%
OCF(TTM)7.22
OCFY9.99%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)0.55
PEG (5Y)1.17
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.