STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

75.08 USD
-0.12 (-0.16%)
At close: Mar 5, 2026
74.58 USD
-0.5 (-0.67%)
After Hours: 3/5/2026, 8:20:45 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SF. 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 valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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.
  • 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.
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 has a Return On Assets of 1.57%. This is in the lower half of the industry: SF underperforms 60.92% of its industry peers.
  • The Return On Equity of SF (10.82%) is better than 63.03% of its industry peers.
  • SF has a Return On Invested Capital of 3.51%. This is comparable to the rest of the industry: SF outperforms 48.32% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SF is below the industry average of 7.26%.
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

  • SF has a Profit Margin of 10.19%. This is in the lower half of the industry: SF underperforms 60.50% of its industry peers.
  • SF's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 26.61%, SF is in line with its industry, outperforming 54.62% of the companies in the same industry.
  • SF's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 98.96%, SF belongs to the top of the industry, outperforming 99.16% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, SF has less shares outstanding
  • SF has less shares outstanding than it did 5 years ago.
  • SF has a better debt/assets ratio than last year.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B 40B

2.2 Solvency

  • Based on the Altman-Z score of -0.33, we must say that SF is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of SF (-0.33) is worse than 81.93% 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 has a Debt to Equity ratio of 5.33. This is amonst the worse of the industry: SF underperforms 84.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.33
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's Current ratio of 0.12 is on the low side compared to the rest of the industry. SF is outperformed by 90.34% 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.
  • With a Quick ratio value of 0.12, SF is not doing good in the industry: 90.34% of the companies in the same industry are doing better.
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.
  • Measured over the past years, SF shows a quite strong growth in Revenue. The Revenue has been growing by 10.70% on average per year.
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.
  • The Revenue is expected to grow by 3.90% on average over the next years.
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 5Y3.9%

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 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. SF Valuation Analysis

4.1 Price/Earnings Ratio

  • SF is valuated reasonably with a Price/Earnings ratio of 9.46.
  • SF's Price/Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 68.49% of the companies in the same industry.
  • SF is valuated cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 7.56, the valuation of SF can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, SF is valued cheaply inside the industry as 83.19% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.82, SF is valued rather cheaply.
Industry RankSector Rank
PE 9.46
Fwd PE 7.56
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

  • 96.64% of the companies in the same industry are more expensive than SF, based on the Enterprise Value to EBITDA ratio.
  • SF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SF is cheaper than 81.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.33
EV/EBITDA 3.46
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.38
PEG (5Y)0.81
EPS Next 2Y17.95%
EPS Next 3Y10.9%

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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 1.73%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 6.57, SF has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, SF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

  • On average, the dividend of SF grows each year by 22.59%, 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)22.59%
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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.67% of the earnings are spent on dividend by SF. This is a low number and sustainable payout ratio.
  • SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.67%
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

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SF Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP

NYSE:SF (3/5/2026, 8:20:45 PM)

After market: 74.58 -0.5 (-0.67%)

75.08

-0.12 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.38%
Inst Owner Change0.17%
Ins Owners3.11%
Ins Owner Change3.94%
Market Cap7.73B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price TargetN/A
Short Float %N/A
Short Ratio3.07
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend2.39
Dividend Growth(5Y)22.59%
DP37.67%
Div Incr Years7
Div Non Decr Years7
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)4%
PT rev (3m)9.29%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-2.68%
EPS NY rev (1m)4.11%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.27%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 7.56
P/S 1.22
P/FCF 7.33
P/OCF 6.92
P/B 1.29
P/tB 1.76
EV/EBITDA 3.46
EPS(TTM)7.94
EY10.58%
EPS(NY)9.93
Fwd EY13.23%
FCF(TTM)10.24
FCFY13.64%
OCF(TTM)10.84
OCFY14.44%
SpS61.63
BVpS58.03
TBVpS42.77
PEG (NY)0.38
PEG (5Y)0.81
Graham Number101.82
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 -0.33
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 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 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 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 8 / 10 to STIFEL FINANCIAL CORP (SF). This can be considered as Undervalued.


Can you provide the profitability details for STIFEL FINANCIAL CORP?

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


What is the financial health of STIFEL FINANCIAL CORP (SF) stock?

The financial health rating of STIFEL FINANCIAL CORP (SF) is 2 / 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.