STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
127.41 USD
+2.46 (+1.97%)
127.41 USD
0 (0%)
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 237 industry peers in the Capital Markets industry. There are concerns on the financial health of SF while its profitability can be described as average. 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.
SF had positive earnings in each of the past 5 years.
SF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SF (1.50%) is worse than 60.76% of its industry peers.
SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 62.03% of its industry peers.
SF has a Return On Invested Capital (3.37%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for SF is below the industry average of 7.00%.
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 in the lower half of the industry: SF underperforms 60.76% of its industry peers.
In the last couple of years the Profit Margin of SF has remained more or less at the same level.
SF has a Operating Margin (27.20%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of SF has grown nicely.
With an excellent Gross Margin value of 98.93%, SF belongs to the best of the industry, outperforming 98.31% of the companies in the same industry.
In the last couple of years the Gross Margin of SF has remained more or less at the same level.
| 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.
Compared to 1 year ago, SF has an improved debt to assets ratio.
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.
The Altman-Z score of SF (-0.24) is worse than 78.90% 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.
Looking at the Debt to FCF ratio, with a value of 23.74, SF is in line with its industry, outperforming 47.68% 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 87.34% 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.
SF's Current ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 91.98% of its industry peers.
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.
SF has a Quick ratio of 0.14. This is amonst the worse of the industry: SF underperforms 91.98% 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 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.
Looking at the last year, SF shows a small growth in Revenue. The Revenue has grown by 7.63% in the last year.
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
The Earnings Per Share is expected to grow by 7.42% on average over the next years.
SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y15.65%
EPS Next 2Y17.14%
EPS Next 3Y15.78%
EPS Next 5Y7.42%
Revenue Next Year11.22%
Revenue Next 2Y11.11%
Revenue Next 3Y9.9%
Revenue Next 5Y5.95%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 16.90, SF is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as SF.
When comparing the Price/Earnings ratio of SF to the average of the S&P500 Index (26.38), we can say SF is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.62, which indicates a correct valuation of SF.
The rest of the industry has a similar Price/Forward Earnings ratio as SF.
When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (23.83), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.9 | ||
| Fwd PE | 13.62 |
4.2 Price Multiples
SF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SF is cheaper than 92.41% 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 74.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.52 | ||
| EV/EBITDA | 5.78 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SF has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as SF's earnings are expected to grow with 15.78% in the coming years.
PEG (NY)1.08
PEG (5Y)1.56
EPS Next 2Y17.14%
EPS Next 3Y15.78%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 1.40%.
SF's Dividend Yield is slightly below the industry average, which is at 6.13.
SF's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
On average, the dividend of SF grows each year by 26.83%, 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)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.
The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.14%
EPS Next 3Y15.78%
127.41
+2.46 (+1.97%)
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-5.71%
Market Cap12.97B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts77.5
Price Target132.02 (3.62%)
Short Float %2.36%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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)-1.2%
PT rev (3m)2.72%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.39%
Revenue NQ rev (3m)2.82%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.9 | ||
| Fwd PE | 13.62 | ||
| P/S | 2.1 | ||
| P/FCF | 9.52 | ||
| P/OCF | 9.08 | ||
| P/B | 2.25 | ||
| P/tB | 3.12 | ||
| EV/EBITDA | 5.78 |
EPS(TTM)7.54
EY5.92%
EPS(NY)9.36
Fwd EY7.34%
FCF(TTM)13.39
FCFY10.51%
OCF(TTM)14.03
OCFY11.02%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.08
PEG (5Y)1.56
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 2Y17.14%
EPS Next 3Y15.78%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.22%
Revenue Next 2Y11.11%
Revenue Next 3Y9.9%
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 5 / 10 and the dividend payout ratio is 38.6%.