STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
127.115 USD
-0.54 (-0.42%)
SF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 235 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 decent growth rate and is not valued too expensively. SF also has an excellent dividend rating.
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.
In the past 5 years SF has always been profitable.
In the past 5 years SF always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.50%, SF perfoms like the industry average, outperforming 40.43% of the companies in the same industry.
The Return On Equity of SF (10.88%) is better than 62.55% of its industry peers.
With a Return On Invested Capital value of 3.37%, SF perfoms like the industry average, outperforming 47.66% of the companies in the same industry.
SF had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.07%.
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
Looking at the Profit Margin, with a value of 10.12%, SF is doing worse than 60.00% of the companies in the same industry.
In the last couple of years the Profit Margin of SF has remained more or less at the same level.
The Operating Margin of SF (27.20%) is comparable to the rest of the industry.
SF's Operating Margin has improved in the last couple of years.
The Gross Margin of SF (98.93%) is better than 98.30% 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
Compared to 1 year ago, SF has more shares outstanding
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 -0.24, we must say that SF is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of SF (-0.24) is worse than 77.87% of its industry peers.
SF has a debt to FCF ratio of 23.74. This is a negative value and a sign of low solvency as SF would need 23.74 years to pay back of all of its debts.
SF has a Debt to FCF ratio (23.74) which is in line with its industry peers.
SF has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
SF's Debt to Equity ratio of 5.62 is on the low side compared to the rest of the industry. SF is outperformed by 86.81% 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
SF has a Current Ratio of 0.14. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.14, SF is not doing good in the industry: 91.91% of the companies in the same industry are doing better.
SF has a Quick Ratio of 0.14. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.14, SF is not doing good in the industry: 91.91% 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
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.
The Earnings Per Share has been growing by 10.86% 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 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
Based on estimates for the next years, SF will show a small growth in Earnings Per Share. The EPS will grow by 7.42% on average per year.
The Revenue is expected to grow by 5.95% on average over the next years.
EPS Next Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
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 16.86, the valuation of SF can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as SF.
SF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.84.
Based on the Price/Forward Earnings ratio of 13.39, the valuation of SF can be described as correct.
SF's Price/Forward Earnings ratio is in line with the industry average.
SF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.86 | ||
| Fwd PE | 13.39 |
4.2 Price Multiples
92.34% of the companies in the same industry are more expensive than SF, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, SF is valued a bit cheaper than 77.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.5 | ||
| EV/EBITDA | 5.94 |
4.3 Compensation for Growth
SF's 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 16.60% in the coming years.
PEG (NY)1.08
PEG (5Y)1.55
EPS Next 2Y17.98%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 6.56%, which is a nice return.
Compared to an average industry Dividend Yield of 6.65, SF has a dividend in line with its industry peers.
SF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
5.2 History
On average, the dividend of SF grows each year by 26.83%, which is quite nice.
SF has paid a dividend for at least 10 years, which is 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
38.60% of the earnings are spent on dividend by SF. This is a low number and sustainable payout ratio.
SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
NYSE:SF (12/30/2025, 11:45:34 AM)
127.115
-0.54 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.2%
Inst Owner Change-1.13%
Ins Owners3.15%
Ins Owner Change-5.45%
Market Cap12.94B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts77.5
Price Target136.39 (7.3%)
Short Float %2.18%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-Date
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)2.07%
PT rev (3m)6.12%
EPS NQ rev (1m)1.58%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)1.05%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)2.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.86 | ||
| Fwd PE | 13.39 | ||
| P/S | 2.09 | ||
| P/FCF | 9.5 | ||
| P/OCF | 9.06 | ||
| P/B | 2.25 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | 5.94 |
EPS(TTM)7.54
EY5.93%
EPS(NY)9.49
Fwd EY7.47%
FCF(TTM)13.39
FCFY10.53%
OCF(TTM)14.03
OCFY11.04%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.08
PEG (5Y)1.55
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 Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
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 2Y11.58%
Revenue Next 3Y10.47%
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 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 6 / 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 15.65% 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 38.6%.