STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
129.69 USD
-0.51 (-0.39%)
129.69 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SF. SF was compared to 238 industry peers in the Capital Markets industry. While SF is still in line with the averages on profitability rating, there are concerns on its financial health. SF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SF was profitable.
- SF had a positive operating cash flow in the past year.
- In the past 5 years SF has always been profitable.
- Each year in the past 5 years SF had a positive operating cash flow.
1.2 Ratios
- SF has a Return On Assets (1.50%) which is comparable to the rest of the industry.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 63.29% of its industry peers.
- SF has a Return On Invested Capital (3.37%) which is in line with its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SF is below the industry average of 7.15%.
- The last Return On Invested Capital (3.37%) for SF is above the 3 year average (3.24%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROIC | 3.37% |
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
- SF has a Profit Margin of 10.12%. This is comparable to the rest of the industry: SF outperforms 40.93% of its industry peers.
- SF's Profit Margin has been stable in the last couple of years.
- With a Operating Margin value of 27.20%, SF perfoms like the industry average, outperforming 55.70% of the companies in the same industry.
- SF's Operating Margin has improved in the last couple of years.
- SF's Gross Margin of 98.93% is amongst the best of the industry. SF outperforms 98.31% of its industry peers.
- SF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% |
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.
- Compared to 1 year ago, SF has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -0.24, we must say that SF is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of -0.24, SF is not doing good in the industry: 77.22% of the companies in the same industry are doing better.
- 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.
- With a Debt to FCF ratio value of 23.74, SF perfoms like the industry average, outperforming 54.43% of the companies in the same industry.
- SF has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of SF (5.62) is worse than 85.23% of its industry peers.
| 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 89.87% 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.
- With a Quick ratio value of 0.14, SF is not doing good in the industry: 89.87% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 23.81% 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 10.86% on average per year.
- The Revenue has been growing slightly by 7.63% in the past year.
- The Revenue has been growing by 11.11% on average over the past years. This is quite good.
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 7.42% on average over the next years.
- The Revenue is expected to grow by 5.95% on average over the next years.
EPS Next Y15.73%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.73%
Revenue Next 3Y10.74%
Revenue Next 5Y5.95%
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
- Based on the Price/Earnings ratio of 17.20, the valuation of SF can be described as rather expensive.
- SF's Price/Earnings ratio is in line with the industry average.
- SF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 13.60, the valuation of SF can be described as correct.
- 60.76% of the companies in the same industry are more expensive than SF, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.6 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 92.83% of the companies are valued more expensively.
- SF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SF is cheaper than 80.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.69 | ||
| EV/EBITDA | 6.05 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The decent profitability rating of SF may justify a higher PE ratio.
- A more expensive valuation may be justified as SF's earnings are expected to grow with 16.64% in the coming years.
PEG (NY)1.09
PEG (5Y)1.58
EPS Next 2Y18.26%
EPS Next 3Y16.64%
5. Dividend
5.1 Amount
- SF has a Yearly Dividend Yield of 1.41%.
- SF's Dividend Yield is slightly below the industry average, which is at 6.10.
- Compared to the average S&P500 Dividend Yield of 1.85, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
5.2 History
- The dividend of SF is nicely growing with an annual growth rate of 26.83%!
- SF has paid a dividend for at least 10 years, which is 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
- SF pays out 38.60% of its income as dividend. This is a sustainable payout ratio.
- The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
129.69
-0.51 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.38%
Inst Owner Change-0.14%
Ins Owners3.11%
Ins Owner Change-3.64%
Market Cap13.21B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.75
Price Target140.42 (8.27%)
Short Float %2.18%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
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)6.36%
PT rev (3m)9.26%
EPS NQ rev (1m)1.5%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)3.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.6 | ||
| P/S | 2.13 | ||
| P/FCF | 9.69 | ||
| P/OCF | 9.24 | ||
| P/B | 2.29 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 6.05 |
EPS(TTM)7.54
EY5.81%
EPS(NY)9.54
Fwd EY7.35%
FCF(TTM)13.39
FCFY10.32%
OCF(TTM)14.03
OCFY10.82%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.09
PEG (5Y)1.58
Graham Number97.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROCE | 26.18% | ||
| ROIC | 3.37% | ||
| ROICexc | 3.68% | ||
| ROICexgc | 4% | ||
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% | ||
| FCFM | 22.03% |
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-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)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 Y15.73%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.42%
Revenue Next 2Y11.73%
Revenue Next 3Y10.74%
Revenue Next 5Y5.95%
EBIT growth 1Y-9.76%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-26.45%
EBIT Next 3Y-0.28%
EBIT Next 5Y2%
FCF growth 1Y35.58%
FCF growth 3Y-15.23%
FCF growth 5Y-2.34%
OCF growth 1Y32.11%
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 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 6 / 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 15.73% in the next year.