STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis

NYSE:SF • US8606301021

113.01 USD
+0.62 (+0.55%)
At close: Feb 24, 2026
113.01 USD
0 (0%)
After Hours: 2/24/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SF. SF was compared to 238 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 decent growth rate and is not valued too expensively. Finally SF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • SF had positive earnings in the past year.
  • SF had a positive operating cash flow in the past year.
  • Each year in the past 5 years SF has been profitable.
  • Of the past 5 years SF 4 years 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 of 1.50%. This is in the lower half of the industry: SF underperforms 63.03% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.88%, SF is in the better half of the industry, outperforming 63.87% of the companies in the same industry.
  • SF's Return On Invested Capital of 3.47% is in line compared to the rest of the industry. SF outperforms 47.90% of its industry peers.
Industry RankSector Rank
ROA 1.5%
ROE 10.88%
ROIC 3.47%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • Looking at the Profit Margin, with a value of 10.12%, SF is doing worse than 63.45% of the companies in the same industry.
  • SF's Profit Margin has declined in the last couple of years.
  • SF has a Operating Margin (27.20%) which is in line with its industry peers.
  • SF's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 98.93%, SF belongs to the top of the industry, outperforming 98.32% of the companies in the same industry.
Industry RankSector Rank
OM 27.2%
PM (TTM) 10.12%
GM 98.93%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • SF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
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 10B 20B 30B

2.2 Solvency

  • SF has an Altman-Z score of -0.26. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
  • SF's Altman-Z score of -0.26 is on the low side compared to the rest of the industry. SF is outperformed by 81.51% 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 55.04% 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.
  • 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 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.62
Debt/FCF 23.74
Altman-Z -0.26
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 0 2B 4B

2.3 Liquidity

  • A Current Ratio of 0.14 indicates that SF may have some problems paying 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 89.92% of its industry peers.
  • A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
  • SF's Quick ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 89.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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 10B 20B 30B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.42% over the past year.
  • SF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.71% yearly.
  • Looking at the last year, SF shows a small growth in Revenue. The Revenue has grown by 6.65% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 5.88% 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 3.90% yearly.
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%

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.
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 10

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • SF is valuated correctly with a Price/Earnings ratio of 14.23.
  • The rest of the industry has a similar Price/Earnings ratio as SF.
  • The average S&P500 Price/Earnings ratio is at 26.98. SF is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 11.38 indicates a reasonable valuation of SF.
  • SF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 63.03% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, SF is valued rather cheaply.
Industry RankSector Rank
PE 14.23
Fwd PE 11.38
SF Price Earnings VS Forward Price EarningsSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SF indicates a rather cheap valuation: SF is cheaper than 93.28% of the companies listed in the same industry.
  • SF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SF is cheaper than 81.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.54
EV/EBITDA 5.17
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)1.22
EPS Next 2Y17.95%
EPS Next 3Y10.9%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.49%, SF is a good candidate for dividend investing.
  • SF's Dividend Yield is a higher than the industry average which is at 6.17.
  • SF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.49%

5.2 History

  • The dividend of SF is nicely growing with an annual growth rate of 26.83%!
  • 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
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

  • 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 2Y17.95%
EPS Next 3Y10.9%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

STIFEL FINANCIAL CORP

NYSE:SF (2/24/2026, 8:04:00 PM)

After market: 113.01 0 (0%)

113.01

+0.62 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.38%
Inst Owner Change0.15%
Ins Owners3.11%
Ins Owner Change3.94%
Market Cap11.64B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts77.5
Price Target146.03 (29.22%)
Short Float %2.28%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 6.49%
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-02
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)4%
PT rev (3m)9.29%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)4.11%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 14.23
Fwd PE 11.38
P/S 1.88
P/FCF 8.54
P/OCF 8.14
P/B 2.02
P/tB 2.8
EV/EBITDA 5.17
EPS(TTM)7.94
EY7.03%
EPS(NY)9.93
Fwd EY8.79%
FCF(TTM)13.23
FCFY11.71%
OCF(TTM)13.88
OCFY12.28%
SpS60.07
BVpS55.88
TBVpS40.42
PEG (NY)0.57
PEG (5Y)1.22
Graham Number99.92
Profitability
Industry RankSector Rank
ROA 1.5%
ROE 10.88%
ROCE 26.18%
ROIC 3.47%
ROICexc 3.79%
ROICexgc 4.12%
OM 27.2%
PM (TTM) 10.12%
GM 98.93%
FCFM 22.03%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.15
Health
Industry RankSector 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 -0.26
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
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-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y11.27%
FCF growth 1Y82513.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1913.39%
OCF growth 3YN/A
OCF growth 5YN/A

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 4 / 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 25.05% in the next year.