STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - NYSE:SF - US8606301021 - Common Stock
115.24 USD
-3.38 (-2.85%)
115.24 USD
0 (0%)
SF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 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. SF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SF had positive earnings in the past year.
In the past year SF had a positive cash flow from operations.
Each year in the past 5 years SF has been profitable.
SF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.50%, SF is doing worse than 60.34% of the companies in the same industry.
The Return On Equity of SF (10.88%) is better than 62.45% of its industry peers.
SF has a Return On Invested Capital (3.37%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SF is below the industry average of 7.11%.
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 Profit Margin of 10.12%. This is in the lower half of the industry: SF underperforms 60.34% of its industry peers.
SF's Profit Margin has been stable in the last couple of years.
SF has a Operating Margin (27.20%) which is in line with its industry peers.
In the last couple of years the Operating Margin of SF has grown nicely.
With an excellent Gross Margin value of 98.93%, SF belongs to the best of the industry, outperforming 98.31% of the companies in the same industry.
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 -0.26, 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 78.90% of the companies in the same industry.
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.
SF has a Debt to FCF ratio of 23.74. This is comparable to the rest of the industry: SF outperforms 48.95% of its industry peers.
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 86.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.26 |
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 Current ratio of 0.14. This is amonst the worse of the industry: SF underperforms 91.56% of its industry peers.
A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
With a Quick ratio value of 0.14, SF is not doing good in the industry: 91.56% of the companies in the same industry are doing better.
| 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.
SF shows a small growth in Revenue. In the last year, the Revenue has grown by 7.63%.
The Revenue has been growing by 11.11% on average over the past years. This is quite good.
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 Y15.8%
EPS Next 2Y17.73%
EPS Next 3Y16.52%
EPS Next 5Y7.42%
Revenue Next Year11.16%
Revenue Next 2Y11.25%
Revenue Next 3Y10.31%
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.
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 15.28, SF is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.07. SF is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.19, which indicates a correct valuation of SF.
SF's Price/Forward Earnings ratio is in line with the industry average.
SF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.08.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.28 | ||
| Fwd PE | 12.19 |
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 93.25% of the companies listed in the same industry.
73.42% of the companies in the same industry are more expensive than SF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.64 | ||
| EV/EBITDA | 5.24 |
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 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 16.52% in the coming years.
PEG (NY)0.97
PEG (5Y)1.41
EPS Next 2Y17.73%
EPS Next 3Y16.52%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 6.37%, which is a nice return.
SF's Dividend Yield is comparable with the industry average which is at 8.49.
SF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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
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 2Y17.73%
EPS Next 3Y16.52%
115.24
-3.38 (-2.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.51%
Inst Owner Change-1.22%
Ins Owners3.15%
Ins Owner Change-5.84%
Market Cap11.77B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.82
Price Target133.62 (15.95%)
Short Float %2.98%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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)3.97%
PT rev (3m)3.97%
EPS NQ rev (1m)2.09%
EPS NQ rev (3m)1.3%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.84%
Revenue NQ rev (1m)2.56%
Revenue NQ rev (3m)2.56%
Revenue NY rev (1m)2.64%
Revenue NY rev (3m)4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.28 | ||
| Fwd PE | 12.19 | ||
| P/S | 1.9 | ||
| P/FCF | 8.64 | ||
| P/OCF | 8.24 | ||
| P/B | 2.05 | ||
| P/tB | 2.83 | ||
| EV/EBITDA | 5.24 |
EPS(TTM)7.54
EY6.54%
EPS(NY)9.45
Fwd EY8.2%
FCF(TTM)13.34
FCFY11.58%
OCF(TTM)13.99
OCFY12.14%
SpS60.56
BVpS56.34
TBVpS40.75
PEG (NY)0.97
PEG (5Y)1.41
Graham Number97.76
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 | -0.26 |
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 Y15.8%
EPS Next 2Y17.73%
EPS Next 3Y16.52%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.16%
Revenue Next 2Y11.25%
Revenue Next 3Y10.31%
Revenue Next 5Y5.95%
EBIT growth 1Y-9.76%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-12.57%
EBIT Next 3Y1.63%
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 6 / 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 15.8% in the next year.
Is the dividend of STIFEL FINANCIAL CORP sustainable?
The dividend rating of STIFEL FINANCIAL CORP (SF) is 7 / 10 and the dividend payout ratio is 38.6%.