STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
NYSE:SF - New York Stock Exchange, Inc. - US8606301021 - Common Stock
Taking everything into account, SF scores 4 out of 10 in our fundamental rating. SF was compared to 224 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.
1. Profitability
1.1 Basic Checks
In the past year SF was profitable.
SF had a positive operating cash flow in the past year.
Each year in the past 5 years SF has 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 (1.57%) is comparable to the rest of the industry.
SF has a better Return On Equity (11.02%) than 62.10% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.88%, SF is in line with its industry, outperforming 49.77% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SF is below the industry average of 6.66%.
The 3 year average ROIC (2.77%) for SF is below the current ROIC(3.88%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 11.02% | ||
| ROIC | 3.88% |
ROA(3y)1.76%
ROA(5y)1.77%
ROE(3y)12.19%
ROE(5y)11.95%
ROIC(3y)2.77%
ROIC(5y)2.66%
1.3 Margins
Looking at the Profit Margin, with a value of 10.66%, SF is doing worse than 61.19% of the companies in the same industry.
SF's Profit Margin has declined in the last couple of years.
SF has a Operating Margin (32.44%) which 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 97.72% 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 | 32.44% | ||
| PM (TTM) | 10.66% | ||
| GM | 98.93% |
OM growth 3Y16.12%
OM growth 5Y5.93%
PM growth 3Y-8.98%
PM growth 5Y-4.82%
GM growth 3Y0.11%
GM growth 5Y0.04%
2. Health
2.1 Basic Checks
SF has less shares outstanding than it did 1 year ago.
SF has less shares outstanding than it did 5 years ago.
SF has about the same debt/assets ratio as last year.
2.2 Solvency
Based on the Altman-Z score of -0.26, we must say that SF is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.26, SF is doing worse than 85.84% of the companies in the same industry.
SF has a debt to FCF ratio of 18317.50. This is a negative value and a sign of low solvency as SF would need 18317.50 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 18317.50, SF is doing worse than 66.67% of the companies in the same industry.
SF has a Debt/Equity ratio of 5.44. This is a high value indicating a heavy dependency on external financing.
SF has a Debt to Equity ratio of 5.44. This is amonst the worse of the industry: SF underperforms 86.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | 18317.5 | ||
| Altman-Z | -0.26 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
SF has a Current Ratio of 0.10. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.10, SF is doing worse than 94.52% of the companies in the same industry.
A Quick Ratio of 0.10 indicates that SF may have some problems paying its short term obligations.
SF has a worse Quick ratio (0.10) than 94.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 27.41% over the past year.
Measured over the past 5 years, SF shows a small growth in Earnings Per Share. The EPS has been growing by 5.79% on average per year.
SF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.85%.
SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.06% yearly.
EPS 1Y (TTM)27.41%
EPS 3Y0.99%
EPS 5Y5.79%
EPS Q2Q%150%
Revenue 1Y (TTM)14.85%
Revenue growth 3Y10.56%
Revenue growth 5Y10.06%
Sales Q2Q%17.19%
3.2 Future
Based on estimates for the next years, SF will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.70% on average per year.
The Revenue is expected to grow by 6.72% on average over the next years.
EPS Next Y42.69%
EPS Next 2Y30.41%
EPS Next 3Y24.95%
EPS Next 5Y14.7%
Revenue Next Year14.41%
Revenue Next 2Y12.29%
Revenue Next 3Y11.07%
Revenue Next 5Y6.72%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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 18.70, SF is valued on the expensive side.
SF's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.94, SF is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 14.25, the valuation of SF can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (24.11), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.7 | ||
| Fwd PE | 14.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 93.15% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, SF is valued a bit more expensive than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7063.99 | ||
| EV/EBITDA | 5.33 |
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.
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 24.95% in the coming years.
PEG (NY)0.44
PEG (5Y)3.23
EPS Next 2Y30.41%
EPS Next 3Y24.95%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 1.50%.
SF's Dividend Yield is slightly below the industry average, which is at 9.45.
Compared to the average S&P500 Dividend Yield of 2.28, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
5.2 History
The dividend of SF is nicely growing with an annual growth rate of 36.13%!
SF has been paying a dividend for at least 10 years, so it has 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)36.13%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
36.14% 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.
DP36.14%
EPS Next 2Y30.41%
EPS Next 3Y24.95%
STIFEL FINANCIAL CORP
NYSE:SF (1/17/2025, 8:26:48 PM)
After market: 113.88 0 (0%)113.88
+2.04 (+1.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners86.85%
Inst Owner Change0.07%
Ins Owners3.39%
Ins Owner Change-5.84%
Market Cap11.66B
Analysts74.12
Price Target117.3 (3%)
Short Float %1.15%
Short Ratio1.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
Yearly Dividend1.94
Dividend Growth(5Y)36.13%
DP36.14%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.24%
Min EPS beat(2)-9.13%
Max EPS beat(2)0.66%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-9.13%
Max EPS beat(4)11.04%
EPS beat(8)2
Avg EPS beat(8)-9.82%
EPS beat(12)3
Avg EPS beat(12)-8.05%
EPS beat(16)7
Avg EPS beat(16)-2.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-0.84%
Max Revenue beat(2)-0.25%
Revenue beat(4)1
Avg Revenue beat(4)0.43%
Min Revenue beat(4)-0.84%
Max Revenue beat(4)3.56%
Revenue beat(8)3
Avg Revenue beat(8)0.8%
Revenue beat(12)4
Avg Revenue beat(12)-0.17%
Revenue beat(16)8
Avg Revenue beat(16)1.14%
PT rev (1m)2.07%
PT rev (3m)23.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.7 | ||
| Fwd PE | 14.25 | ||
| P/S | 2.03 | ||
| P/FCF | 7063.99 | ||
| P/OCF | 164.2 | ||
| P/B | 2.1 | ||
| P/tB | 2.88 | ||
| EV/EBITDA | 5.33 |
EPS(TTM)6.09
EY5.35%
EPS(NY)7.99
Fwd EY7.02%
FCF(TTM)0.02
FCFY0.01%
OCF(TTM)0.69
OCFY0.61%
SpS56.17
BVpS54.29
TBVpS39.53
PEG (NY)0.44
PEG (5Y)3.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 11.02% | ||
| ROCE | 29.92% | ||
| ROIC | 3.88% | ||
| ROICexc | 4.1% | ||
| ROICexgc | 4.45% | ||
| OM | 32.44% | ||
| PM (TTM) | 10.66% | ||
| GM | 98.93% | ||
| FCFM | 0.03% |
ROA(3y)1.76%
ROA(5y)1.77%
ROE(3y)12.19%
ROE(5y)11.95%
ROIC(3y)2.77%
ROIC(5y)2.66%
ROICexc(3y)3%
ROICexc(5y)2.88%
ROICexgc(3y)3.27%
ROICexgc(5y)3.18%
ROCE(3y)19.36%
ROCE(5y)12.97%
ROICexcg growth 3Y11.66%
ROICexcg growth 5Y6.44%
ROICexc growth 3Y12.6%
ROICexc growth 5Y6.98%
OM growth 3Y16.12%
OM growth 5Y5.93%
PM growth 3Y-8.98%
PM growth 5Y-4.82%
GM growth 3Y0.11%
GM growth 5Y0.04%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | 18317.5 | ||
| Debt/EBITDA | 15.46 | ||
| Cap/Depr | 77.33% | ||
| Cap/Sales | 1.21% | ||
| Interest Coverage | 1.85 | ||
| Cash Conversion | 3.63% | ||
| Profit Quality | 0.27% | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | -0.26 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)158.73%
Cap/Depr(5y)177.55%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.63%
Profit Quality(3y)116.96%
Profit Quality(5y)158.65%
High Growth Momentum
Growth
EPS 1Y (TTM)27.41%
EPS 3Y0.99%
EPS 5Y5.79%
EPS Q2Q%150%
EPS Next Y42.69%
EPS Next 2Y30.41%
EPS Next 3Y24.95%
EPS Next 5Y14.7%
Revenue 1Y (TTM)14.85%
Revenue growth 3Y10.56%
Revenue growth 5Y10.06%
Sales Q2Q%17.19%
Revenue Next Year14.41%
Revenue Next 2Y12.29%
Revenue Next 3Y11.07%
Revenue Next 5Y6.72%
EBIT growth 1Y31.74%
EBIT growth 3Y28.38%
EBIT growth 5Y16.58%
EBIT Next Year16.97%
EBIT Next 3Y12.88%
EBIT Next 5Y11.41%
FCF growth 1Y-99.7%
FCF growth 3Y-34.45%
FCF growth 5Y1.21%
OCF growth 1Y-88.19%
OCF growth 3Y-33.02%
OCF growth 5Y-1.17%