STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:SF • US8606301021

130.61 USD
+2.57 (+2.01%)
At close: Feb 6, 2026
130.61 USD
0 (0%)
After Hours: 2/6/2026, 8:05:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, SF scores 3 out of 10 in our fundamental rating. SF was compared to 238 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 is not valued too expensively and it also shows a decent growth rate.


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.
  • In the past 5 years SF has always been profitable.
  • SF had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of SF (1.50%) is worse than 63.18% 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 63.18% of the companies in the same industry.
  • SF has a Return On Invested Capital (3.47%) which is comparable to the rest of the industry.
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

  • With a Profit Margin value of 10.12%, SF is not doing good in the industry: 63.18% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of SF has declined.
  • 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.
  • SF has a Gross Margin of 98.93%. This is amongst the best in the industry. SF outperforms 98.33% of its industry peers.
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

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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 -0.23. 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 (-0.23) is worse than 81.17% 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 55.23% of the companies in the same industry.
  • A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 5.62, SF is doing worse than 85.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.62
Debt/FCF 23.74
Altman-Z -0.23
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

  • 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 has a Current ratio of 0.14. This is amonst the worse of the industry: SF underperforms 89.96% 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 89.96% 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

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

4

3. Growth

3.1 Past

  • SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.42%, which is quite good.
  • The Earnings Per Share has been growing by 11.71% 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 6.65% in the last year.
  • The Revenue has been growing by 10.70% on average over the past years. This is quite good.
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

  • SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.88% yearly.
  • SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.60% 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 5Y4.6%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6 8 10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.45, the valuation of SF can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, SF is valued a bit cheaper.
  • SF is valuated correctly with a Price/Forward Earnings ratio of 13.15.
  • SF's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (27.77), we can say SF is valued rather cheaply.
Industry RankSector Rank
PE 16.45
Fwd PE 13.15
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

  • 92.89% 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 the industry average as 78.66% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.76
EV/EBITDA 6.11
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • SF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.66
PEG (5Y)1.4
EPS Next 2Y17.95%
EPS Next 3Y10.9%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.06%, SF has a reasonable but not impressive dividend return.
  • SF's Dividend Yield is slightly below the industry average, which is at 6.13.
  • With a Dividend Yield of 1.06, SF pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.06%

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
SF Yearly Dividends per shareSF Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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 (2/6/2026, 8:05:53 PM)

After market: 130.61 0 (0%)

130.61

+2.57 (+2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.38%
Inst Owner Change-2.62%
Ins Owners3.11%
Ins Owner Change-2.75%
Market Cap13.30B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts78.75
Price Target146.03 (11.81%)
Short Float %1.99%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 1.06%
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)7.07%
PT rev (3m)9.29%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)4.61%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)2.18%
Revenue NY rev (1m)2.36%
Revenue NY rev (3m)5.05%
Valuation
Industry RankSector Rank
PE 16.45
Fwd PE 13.15
P/S 2.15
P/FCF 9.76
P/OCF 9.31
P/B 2.31
P/tB 3.19
EV/EBITDA 6.11
EPS(TTM)7.94
EY6.08%
EPS(NY)9.93
Fwd EY7.6%
FCF(TTM)13.39
FCFY10.25%
OCF(TTM)14.03
OCFY10.75%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)0.66
PEG (5Y)1.4
Graham Number100.49
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 -0.23
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 5Y4.6%
EBIT growth 1Y-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y12.1%
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 3 / 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 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.