STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
128.3 USD
-2.58 (-1.97%)
128.3 USD
0 (0%)
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 237 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 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.
- Each year in the past 5 years SF had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.50%, SF is doing worse than 63.71% of the companies in the same industry.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 62.87% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.37%, SF is in line with its industry, outperforming 47.68% of the companies in the same industry.
- SF had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.27%.
- 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
- The Profit Margin of SF (10.12%) is worse than 63.29% of its industry peers.
- SF's Profit Margin has been stable in the last couple of years.
- SF's Operating Margin of 27.20% is in line compared to the rest of the industry. SF outperforms 54.85% of its industry peers.
- In the last couple of years the Operating Margin of SF has grown nicely.
- SF's Gross Margin of 98.93% is amongst the best of the industry. SF outperforms 98.31% of its industry peers.
- SF's Gross Margin has been stable in the last couple of years.
| 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
- The number of shares outstanding for SF has been increased compared to 1 year ago.
- 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 -0.24, we must say that SF is in the distress zone and has some risk of bankruptcy.
- SF has a Altman-Z score of -0.24. This is amonst the worse of the industry: SF underperforms 81.01% 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 54.43% of the companies in the same industry.
- 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 85.65% 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 has a worse Current ratio (0.14) than 90.30% 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.
- The Quick ratio of SF (0.14) is worse than 90.30% 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.
- 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.
- SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y15.73%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.73%
Revenue Next 3Y10.74%
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 17.02 indicates a rather expensive 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 (27.21), we can say SF is valued slightly cheaper.
- The Price/Forward Earnings ratio is 13.45, which indicates a correct valuation of SF.
- Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.76% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (25.98), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.02 | ||
| Fwd PE | 13.45 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 92.83% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, SF is valued cheaper than 80.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.58 | ||
| EV/EBITDA | 5.97 |
4.3 Compensation for Growth
- SF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- SF has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as SF's earnings are expected to grow with 16.64% in the coming years.
PEG (NY)1.08
PEG (5Y)1.57
EPS Next 2Y18.26%
EPS Next 3Y16.64%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.41%, SF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 5.87, SF has a dividend in line with its industry peers.
- SF's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| 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.
- SF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)26.83%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
- SF pays out 38.60% of its income as dividend. This is a 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 2Y18.26%
EPS Next 3Y16.64%
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 6 / 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 15.73% in the next year.