STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
128.39 USD
-0.34 (-0.26%)
128.39 USD
0 (0%)
Taking everything into account, SF scores 4 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.
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
SF has a Return On Assets of 1.50%. This is in the lower half of the industry: SF underperforms 60.50% 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 62.18% of the companies in the same industry.
SF has a Return On Invested Capital (3.37%) which is comparable to the rest of the industry.
SF had an Average Return On Invested Capital over the past 3 years of 3.24%. This 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 worse Profit Margin (10.12%) than 60.50% 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.
The Gross Margin of SF (98.93%) is better than 98.32% 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
SF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SF has been increased compared to 5 years ago.
The debt/assets ratio for SF has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.24, we must say that SF is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.24, SF is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
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 in line with its industry peers.
SF has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.62, SF is doing worse than 86.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.24 |
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 91.60% 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 91.60% 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.
SF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.86% yearly.
Looking at the last year, SF shows a small growth in Revenue. The Revenue has grown by 7.63% in the last 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
SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.42% yearly.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 17.03, which indicates a rather expensive current valuation of SF.
SF's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.50. SF is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 13.53, the valuation of SF can be described as correct.
SF's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (23.93), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.03 | ||
| Fwd PE | 13.53 |
4.2 Price Multiples
92.44% 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 74.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.59 | ||
| EV/EBITDA | 5.98 |
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)1.09
PEG (5Y)1.57
EPS Next 2Y17.98%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.47%, SF has a reasonable but not impressive dividend return.
SF's Dividend Yield is slightly below the industry average, which is at 6.43.
Compared to the average S&P500 Dividend Yield of 1.87, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
5.2 History
The dividend of SF is nicely growing with an annual growth rate of 26.83%!
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.
The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
128.39
-0.34 (-0.26%)
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-5.72%
Market Cap13.07B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts77.5
Price Target136.39 (6.23%)
Short Float %2.36%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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)2.07%
PT rev (3m)6.12%
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)1.05%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)2.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.03 | ||
| Fwd PE | 13.53 | ||
| P/S | 2.11 | ||
| P/FCF | 9.59 | ||
| P/OCF | 9.15 | ||
| P/B | 2.27 | ||
| P/tB | 3.14 | ||
| EV/EBITDA | 5.98 |
EPS(TTM)7.54
EY5.87%
EPS(NY)9.49
Fwd EY7.39%
FCF(TTM)13.39
FCFY10.43%
OCF(TTM)14.03
OCFY10.93%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.09
PEG (5Y)1.57
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 2Y17.98%
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 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%.