STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

Current stock price

74.07 USD
+0.09 (+0.12%)
At close:
74.07 USD
0 (0%)
After Hours:

This SF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SF Profitability Analysis

1.1 Basic Checks

  • In the past year SF was profitable.
  • In the past year SF had a positive cash flow from operations.
  • SF had positive earnings in each of the past 5 years.
  • Each year in the past 5 years SF 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's Return On Assets of 1.57% is in line compared to the rest of the industry. SF outperforms 40.83% of its industry peers.
  • The Return On Equity of SF (10.82%) is better than 64.17% of its industry peers.
  • With a Return On Invested Capital value of 3.51%, SF perfoms like the industry average, outperforming 48.33% 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 7.25%.
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROIC 3.51%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
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 10.19%, SF is in line with its industry, outperforming 42.08% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SF has declined.
  • The Operating Margin of SF (26.61%) 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 (98.96%) is better than 99.17% 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 RankSector Rank
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
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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2

2. SF Health Analysis

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.
  • Compared to 1 year ago, SF has an improved debt to assets ratio.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
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 2025 10B 20B 30B 40B

2.2 Solvency

  • Based on the Altman-Z score of -0.27, we must say that SF is in the distress zone and has some risk of bankruptcy.
  • SF has a worse Altman-Z score (-0.27) than 80.83% of its industry peers.
  • The Debt to FCF ratio of SF is 30.21, which is on the high side as it means it would take SF, 30.21 years of fcf income to pay off all of its debts.
  • SF has a Debt to FCF ratio (30.21) which is comparable to the rest of the industry.
  • SF has a Debt/Equity ratio of 5.33. This is a high value indicating a heavy dependency on external financing.
  • SF's Debt to Equity ratio of 5.33 is on the low side compared to the rest of the industry. SF is outperformed by 86.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.27
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 2025 0 2B 4B

2.3 Liquidity

  • SF has a Current Ratio of 0.12. 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 worse Current ratio (0.12) than 92.92% of its industry peers.
  • SF has a Quick Ratio of 0.12. 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 worse Quick ratio (0.12) than 92.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
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 2025 10B 20B 30B

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

4

3. SF Growth Analysis

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.
  • Measured over the past years, SF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.71% on average per year.
  • The Revenue has been growing slightly by 6.65% in the past 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

  • The Earnings Per Share is expected to grow by 5.10% on average over the next years.
  • The Revenue is expected to grow by 3.90% on average over the next years.
EPS Next Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%

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.
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

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6

4. SF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.00 indicates a correct valuation of SF.
  • SF's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of SF to the average of the S&P500 Index (25.60), we can say SF is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.22, which indicates a very decent valuation of SF.
  • Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.42% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (22.84), we can say SF is valued rather cheaply.
Industry RankSector Rank
PE 14
Fwd PE 11.22
SF Price Earnings VS Forward Price EarningsSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 92.50% of the companies listed in the same industry.
  • SF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SF is cheaper than 73.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.87
EV/EBITDA 5.54
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • SF's earnings are expected to grow with 19.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)1.2
EPS Next 2Y18.16%
EPS Next 3Y19.07%

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

5

5. SF Dividend Analysis

5.1 Amount

  • SF has a Yearly Dividend Yield of 1.92%.
  • Compared to an average industry Dividend Yield of 6.91, SF has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, SF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.92%

5.2 History

  • On average, the dividend of SF grows each year by 13.04%, 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)13.04%
Div Incr Years8
Div Non Decr Years8
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

  • SF pays out 37.67% of its income as dividend. This is a sustainable payout ratio.
  • SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.67%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
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

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SF Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP

NYSE:SF (4/2/2026, 8:04:00 PM)

After market: 74.07 0 (0%)

74.07

+0.09 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners88.6%
Inst Owner Change0.15%
Ins Owners3.28%
Ins Owner Change3.74%
Market Cap11.47B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price Target97.01 (30.97%)
Short Float %N/A
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend1.59
Dividend Growth(5Y)13.04%
DP37.67%
Div Incr Years8
Div Non Decr Years8
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.07%
Min EPS beat(2)0.27%
Max EPS beat(2)1.86%
EPS beat(4)3
Avg EPS beat(4)0.56%
Min EPS beat(4)-2.78%
Max EPS beat(4)2.88%
EPS beat(8)5
Avg EPS beat(8)0.19%
EPS beat(12)6
Avg EPS beat(12)-5.09%
EPS beat(16)6
Avg EPS beat(16)-6.23%
Revenue beat(2)2
Avg Revenue beat(2)2.77%
Min Revenue beat(2)0.75%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)6
Avg Revenue beat(12)0.45%
Revenue beat(16)7
Avg Revenue beat(16)-0.12%
PT rev (1m)-33.57%
PT rev (3m)-28.87%
EPS NQ rev (1m)-32.47%
EPS NQ rev (3m)-33.74%
EPS NY rev (1m)-33.53%
EPS NY rev (3m)-30.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 14
Fwd PE 11.22
P/S 1.81
P/FCF 10.87
P/OCF 10.26
P/B 1.92
P/tB 2.6
EV/EBITDA 5.54
EPS(TTM)5.29
EY7.14%
EPS(NY)6.6
Fwd EY8.91%
FCF(TTM)6.82
FCFY9.2%
OCF(TTM)7.22
OCFY9.74%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)0.57
PEG (5Y)1.2
Graham Number67.8
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROCE 25.4%
ROIC 3.51%
ROICexc 3.73%
ROICexgc 4.05%
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
FCFM 16.62%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
ROICexc(3y)3.98%
ROICexc(5y)3.53%
ROICexgc(3y)4.34%
ROICexgc(5y)3.84%
ROCE(3y)26.29%
ROCE(5y)22.7%
ROICexgc growth 3Y11.99%
ROICexgc growth 5Y6.26%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Debt/EBITDA 17.86
Cap/Depr 65.25%
Cap/Sales 0.98%
Interest Coverage 2.03
Cash Conversion 62.61%
Profit Quality 163.18%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.27
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)125.45%
Cap/Sales(3y)1.08%
Cap/Sales(5y)1.79%
Profit Quality(3y)105.13%
Profit Quality(5y)114.82%
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
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-11.56%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year63.21%
EBIT Next 3Y13.33%
EBIT Next 5Y11.27%
FCF growth 1Y153.2%
FCF growth 3Y-0.63%
FCF growth 5Y-7.86%
OCF growth 1Y127.76%
OCF growth 3Y-1.18%
OCF growth 5Y-7.64%

STIFEL FINANCIAL CORP / SF Fundamental Analysis 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.


How profitable is STIFEL FINANCIAL CORP (SF) stock?

STIFEL FINANCIAL CORP (SF) has a profitability rating of 5 / 10.


What is the valuation of STIFEL FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for STIFEL FINANCIAL CORP (SF) is 14 and the Price/Book (PB) ratio is 1.92.


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 37.67%.