STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
124.95 USD
-0.48 (-0.38%)
124.95 USD
0 (0%)
Taking everything into account, SF scores 4 out of 10 in our fundamental rating. SF was compared to 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SF was profitable.
SF had a positive operating cash flow in the past year.
Each year in the past 5 years SF has been profitable.
In the past 5 years SF always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.50%, SF is not doing good in the industry: 60.76% of the companies in the same industry are doing better.
With a decent Return On Equity value of 10.88%, SF is doing good in the industry, outperforming 62.03% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.37%, SF is in line with its industry, outperforming 47.26% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SF 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 60.76% 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.
SF has a Gross Margin of 98.93%. This is amongst the best in the industry. SF outperforms 98.31% 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.
SF has more shares outstanding than it did 5 years ago.
SF has a better debt/assets ratio than last year.
2.2 Solvency
SF has an Altman-Z score of -0.24. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
SF has a Altman-Z score of -0.24. This is in the lower half of the industry: SF underperforms 78.90% 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.
With a Debt to FCF ratio value of 23.74, SF perfoms like the industry average, outperforming 47.68% 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.
The Debt to Equity ratio of SF (5.62) is worse than 87.34% of its industry peers.
| 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 91.98% of its industry peers.
A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
SF's Quick ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 91.98% 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.
SF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.86% yearly.
The Revenue has been growing slightly by 7.63% in the past 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 2Y17.14%
EPS Next 3Y15.78%
EPS Next 5Y7.42%
Revenue Next Year11.22%
Revenue Next 2Y11.11%
Revenue Next 3Y9.9%
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
Based on the Price/Earnings ratio of 16.57, the valuation of SF can be described as correct.
SF's Price/Earnings is on the same level as the industry average.
SF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.22.
SF is valuated correctly with a Price/Forward Earnings ratio of 13.35.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
SF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.58.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.57 | ||
| Fwd PE | 13.35 |
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 92.41% of the companies listed in the same industry.
74.68% 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 | 9.33 | ||
| EV/EBITDA | 5.81 |
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.
A more expensive valuation may be justified as SF's earnings are expected to grow with 15.78% in the coming years.
PEG (NY)1.06
PEG (5Y)1.53
EPS Next 2Y17.14%
EPS Next 3Y15.78%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 1.40%.
SF's Dividend Yield is slightly below the industry average, which is at 6.13.
Compared to the average S&P500 Dividend Yield of 1.87, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
The dividend of SF is nicely growing with an annual growth rate of 26.83%!
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.
SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.14%
EPS Next 3Y15.78%
124.95
-0.48 (-0.38%)
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-5.71%
Market Cap12.72B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts77.5
Price Target132.02 (5.66%)
Short Float %2.36%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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)-1.2%
PT rev (3m)2.72%
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)0.39%
Revenue NQ rev (3m)2.82%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.57 | ||
| Fwd PE | 13.35 | ||
| P/S | 2.06 | ||
| P/FCF | 9.33 | ||
| P/OCF | 8.9 | ||
| P/B | 2.21 | ||
| P/tB | 3.06 | ||
| EV/EBITDA | 5.81 |
EPS(TTM)7.54
EY6.03%
EPS(NY)9.36
Fwd EY7.49%
FCF(TTM)13.39
FCFY10.71%
OCF(TTM)14.03
OCFY11.23%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.06
PEG (5Y)1.53
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 2Y17.14%
EPS Next 3Y15.78%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.22%
Revenue Next 2Y11.11%
Revenue Next 3Y9.9%
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%.