STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
129.69 USD
-0.51 (-0.39%)
129.69 USD
0 (0%)
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 235 industry peers in the Capital Markets industry. While SF is still in line with the averages on profitability rating, there are concerns on its financial health. SF has a correct valuation and a medium growth rate.
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.
- In the past 5 years SF has always been profitable.
- SF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SF has a Return On Assets of 1.50%. This is comparable to the rest of the industry: SF outperforms 40.43% of its industry peers.
- SF's Return On Equity of 10.88% is fine compared to the rest of the industry. SF outperforms 62.98% of its industry peers.
- SF has a Return On Invested Capital of 3.37%. This is comparable to the rest of the industry: SF outperforms 48.09% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SF is below the industry average of 7.16%.
- 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
- Looking at the Profit Margin, with a value of 10.12%, SF is in line with its industry, outperforming 40.43% of the companies in the same industry.
- SF's Profit Margin has been stable in the last couple of years.
- The Operating Margin of SF (27.20%) is comparable to the rest of the industry.
- SF's Operating Margin has improved in the last couple of years.
- SF has a better Gross Margin (98.93%) than 98.30% 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.
- Compared to 1 year ago, SF has an improved debt to assets ratio.
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.
- Looking at the Altman-Z score, with a value of -0.24, SF is doing worse than 76.60% of the companies in the same industry.
- The Debt to FCF ratio of SF is 23.74, which is on the high side as it means it would take SF, 23.74 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 23.74, SF perfoms like the industry average, outperforming 54.04% of the companies in the same industry.
- 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 85.11% 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 90.21% of its industry peers.
- A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.14, SF is doing worse than 90.21% of the companies in the same industry.
| 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.
- Measured over the past years, SF shows a quite strong growth in Revenue. The Revenue has been growing by 11.11% on average per year.
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
- The Earnings Per Share is expected to grow by 7.42% on average over the next years.
- SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
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.
- 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 17.20, the valuation of SF can be described as rather expensive.
- 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 27.47. SF is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 13.66 indicates a correct valuation of SF.
- SF's Price/Forward Earnings is on the same level as the industry average.
- SF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.66 |
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 92.77% of the companies listed in the same industry.
- 80.00% 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 | 9.69 | ||
| EV/EBITDA | 6.08 |
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.
- SF's earnings are expected to grow with 16.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.1
PEG (5Y)1.58
EPS Next 2Y17.98%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
- SF has a Yearly Dividend Yield of 1.41%.
- SF's Dividend Yield is slightly below the industry average, which is at 6.15.
- SF's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
| 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.
- 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 2Y17.98%
EPS Next 3Y16.6%
129.69
-0.51 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.38%
Inst Owner Change-0.12%
Ins Owners3.11%
Ins Owner Change-6.02%
Market Cap13.21B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.75
Price Target136.39 (5.17%)
Short Float %2.18%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
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)3.31%
PT rev (3m)6.12%
EPS NQ rev (1m)1.43%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.65%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.66 | ||
| P/S | 2.13 | ||
| P/FCF | 9.69 | ||
| P/OCF | 9.24 | ||
| P/B | 2.29 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 6.08 |
EPS(TTM)7.54
EY5.81%
EPS(NY)9.49
Fwd EY7.32%
FCF(TTM)13.39
FCFY10.32%
OCF(TTM)14.03
OCFY10.82%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.1
PEG (5Y)1.58
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 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
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 for SF stock?
ChartMill assigns a valuation rating of 5 / 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 15.65% in the next year.