STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
130.52 USD
-1.04 (-0.79%)
SF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. SF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SF has a correct valuation and a medium growth rate.
1. Profitability
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.
In the past 5 years SF always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of SF (1.50%) is comparable to the rest of the industry.
The Return On Equity of SF (10.88%) is better than 62.55% of its industry peers.
SF has a Return On Invested Capital (3.37%) which is in line with its industry peers.
SF had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.17%.
The 3 year average ROIC (3.24%) for SF is below the current ROIC(3.37%), indicating increased profibility in the last year.
| 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.
SF's Profit Margin has been stable in the last couple of years.
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.
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
SF has more shares outstanding than it did 5 years ago.
SF has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.23, we must say that SF is in the distress zone and has some risk of bankruptcy.
SF has a Altman-Z score of -0.23. This is in the lower half of the industry: SF underperforms 76.60% of its industry peers.
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.
SF has a Debt to FCF ratio (23.74) which is comparable to the rest of the industry.
A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
With a Debt to Equity ratio value of 5.62, SF is not doing good in the industry: 85.11% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.23 |
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.
SF's Current ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 90.21% of its industry peers.
A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
SF has a worse Quick ratio (0.14) than 90.21% of its industry peers.
| 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.
The Earnings Per Share has been growing by 10.86% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.63% in the past year.
SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.11% yearly.
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
A Price/Earnings ratio of 17.31 indicates a rather expensive valuation of SF.
The rest of the industry has a similar Price/Earnings ratio as SF.
SF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
SF is valuated correctly with a Price/Forward Earnings ratio of 13.75.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, SF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.31 | ||
| Fwd PE | 13.75 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SF is valued cheaper than 92.77% of the companies in the same industry.
SF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SF is cheaper than 76.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.75 | ||
| EV/EBITDA | 6.16 |
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.
SF's earnings are expected to grow with 16.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.11
PEG (5Y)1.59
EPS Next 2Y17.98%
EPS Next 3Y16.6%
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 6.19.
Compared to the average S&P500 Dividend Yield of 1.92, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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 (1/13/2026, 10:32:34 AM)
130.52
-1.04 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.38%
Inst Owner Change-0.12%
Ins Owners3.11%
Ins Owner Change-6.02%
Market Cap13.29B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.75
Price Target136.39 (4.5%)
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)3.31%
PT rev (3m)6.12%
EPS NQ rev (1m)1.43%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.65%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.31 | ||
| Fwd PE | 13.75 | ||
| P/S | 2.15 | ||
| P/FCF | 9.75 | ||
| P/OCF | 9.3 | ||
| P/B | 2.31 | ||
| P/tB | 3.19 | ||
| EV/EBITDA | 6.16 |
EPS(TTM)7.54
EY5.78%
EPS(NY)9.49
Fwd EY7.27%
FCF(TTM)13.39
FCFY10.26%
OCF(TTM)14.03
OCFY10.75%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.11
PEG (5Y)1.59
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 | -0.23 |
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 for SF stock?
ChartMill assigns a valuation rating of 5 / 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 15.65% in the next year.