STIFEL FINANCIAL CORP (SF)
US8606301021 - Common Stock
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 220 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SF had positive earnings in the past year.
SF had a positive operating cash flow in the past year.
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 (1.57%) which is comparable to the rest of the industry.
SF has a Return On Equity of 11.02%. This is in the better half of the industry: SF outperforms 60.37% of its industry peers.
The Return On Invested Capital of SF (3.88%) is comparable to the rest of the 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 (3.88%) for SF is above the 3 year average (2.77%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 11.02% | ||
| ROIC | 3.88% |
ROA(3y)1.76%
ROA(5y)1.77%
ROE(3y)12.19%
ROE(5y)11.95%
ROIC(3y)2.77%
ROIC(5y)2.66%
1.3 Margins
SF's Profit Margin of 10.66% is on the low side compared to the rest of the industry. SF is outperformed by 61.75% 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 32.44%, SF is in line with its industry, outperforming 57.14% of the companies in the same industry.
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 97.23% 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 | 32.44% | ||
| PM (TTM) | 10.66% | ||
| GM | 98.93% |
OM growth 3Y16.12%
OM growth 5Y5.93%
PM growth 3Y-8.98%
PM growth 5Y-4.82%
GM growth 3Y0.11%
GM growth 5Y0.04%
2. Health
2.1 Basic Checks
The number of shares outstanding for SF has been reduced compared to 1 year ago.
Compared to 5 years ago, SF has less shares outstanding
Compared to 1 year ago, SF has about the same debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.28, we must say that SF is in the distress zone and has some risk of bankruptcy.
SF's Altman-Z score of -0.28 is on the low side compared to the rest of the industry. SF is outperformed by 85.71% of its industry peers.
SF has a debt to FCF ratio of 18317.50. This is a negative value and a sign of low solvency as SF would need 18317.50 years to pay back of all of its debts.
SF has a worse Debt to FCF ratio (18317.50) than 66.36% of its industry peers.
SF has a Debt/Equity ratio of 5.44. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.44, SF is not doing good in the industry: 86.64% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | 18317.5 | ||
| Altman-Z | -0.28 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.10 indicates that SF may have some problems paying its short term obligations.
SF's Current ratio of 0.10 is on the low side compared to the rest of the industry. SF is outperformed by 94.93% of its industry peers.
A Quick Ratio of 0.10 indicates that SF may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.10, SF is doing worse than 94.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.41%, which is quite impressive.
SF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.79% yearly.
Looking at the last year, SF shows a quite strong growth in Revenue. The Revenue has grown by 14.85% in the last year.
SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.06% yearly.
EPS 1Y (TTM)27.41%
EPS 3Y0.99%
EPS 5Y5.79%
EPS Q2Q%150%
Revenue 1Y (TTM)14.85%
Revenue growth 3Y10.56%
Revenue growth 5Y10.06%
Sales Q2Q%17.19%
3.2 Future
Based on estimates for the next years, SF will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.70% on average per year.
Based on estimates for the next years, SF will show a small growth in Revenue. The Revenue will grow by 6.72% on average per year.
EPS Next Y42.57%
EPS Next 2Y30.33%
EPS Next 3Y24.78%
EPS Next 5Y14.7%
Revenue Next Year14.61%
Revenue Next 2Y11.89%
Revenue Next 3Y10.76%
Revenue Next 5Y6.72%
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 accelerating.
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
SF is valuated rather expensively with a Price/Earnings ratio of 17.16.
The rest of the industry has a similar Price/Earnings ratio as SF.
Compared to an average S&P500 Price/Earnings ratio of 27.73, SF is valued a bit cheaper.
A Price/Forward Earnings ratio of 13.09 indicates a correct valuation of SF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (22.83), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.16 | ||
| Fwd PE | 13.09 |
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 92.63% of the companies listed in the same industry.
SF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SF is more expensive than 66.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6481.53 | ||
| EV/EBITDA | 4.72 |
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.
The decent profitability rating of SF may justify a higher PE ratio.
SF's earnings are expected to grow with 24.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)2.96
EPS Next 2Y30.33%
EPS Next 3Y24.78%
5. Dividend
5.1 Amount
SF has a Yearly Dividend Yield of 1.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 9.13, SF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.24, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
5.2 History
On average, the dividend of SF grows each year by 36.13%, 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)36.13%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
SF pays out 36.14% of its income as dividend. This is a sustainable payout ratio.
SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.14%
EPS Next 2Y30.33%
EPS Next 3Y24.78%
STIFEL FINANCIAL CORP
NYSE:SF (12/20/2024, 8:04:00 PM)
After market: 104.49 0 (0%)104.49
+2.22 (+2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners85.87%
Inst Owner Change-0.19%
Ins Owners3.59%
Ins Owner Change-8.74%
Market Cap10.69B
Analysts75
Price Target114.92 (9.98%)
Short Float %1.34%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
Dividend Growth(5Y)36.13%
DP36.14%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.24%
Min EPS beat(2)-9.13%
Max EPS beat(2)0.66%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-9.13%
Max EPS beat(4)11.04%
EPS beat(8)2
Avg EPS beat(8)-9.82%
EPS beat(12)3
Avg EPS beat(12)-8.05%
EPS beat(16)7
Avg EPS beat(16)-2.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-0.84%
Max Revenue beat(2)-0.25%
Revenue beat(4)1
Avg Revenue beat(4)0.43%
Min Revenue beat(4)-0.84%
Max Revenue beat(4)3.56%
Revenue beat(8)3
Avg Revenue beat(8)0.8%
Revenue beat(12)4
Avg Revenue beat(12)-0.17%
Revenue beat(16)8
Avg Revenue beat(16)1.14%
PT rev (1m)10.64%
PT rev (3m)23%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)3.37%
EPS NY rev (1m)-0.75%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.16 | ||
| Fwd PE | 13.09 | ||
| P/S | 1.86 | ||
| P/FCF | 6481.53 | ||
| P/OCF | 150.66 | ||
| P/B | 1.92 | ||
| P/tB | 2.64 | ||
| EV/EBITDA | 4.72 |
EPS(TTM)6.09
EY5.83%
EPS(NY)7.98
Fwd EY7.64%
FCF(TTM)0.02
FCFY0.02%
OCF(TTM)0.69
OCFY0.66%
SpS56.17
BVpS54.29
TBVpS39.53
PEG (NY)0.4
PEG (5Y)2.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 11.02% | ||
| ROCE | 29.92% | ||
| ROIC | 3.88% | ||
| ROICexc | 4.1% | ||
| ROICexgc | 4.45% | ||
| OM | 32.44% | ||
| PM (TTM) | 10.66% | ||
| GM | 98.93% | ||
| FCFM | 0.03% |
ROA(3y)1.76%
ROA(5y)1.77%
ROE(3y)12.19%
ROE(5y)11.95%
ROIC(3y)2.77%
ROIC(5y)2.66%
ROICexc(3y)3%
ROICexc(5y)2.88%
ROICexgc(3y)3.27%
ROICexgc(5y)3.18%
ROCE(3y)19.36%
ROCE(5y)12.97%
ROICexcg growth 3Y11.66%
ROICexcg growth 5Y6.44%
ROICexc growth 3Y12.6%
ROICexc growth 5Y6.98%
OM growth 3Y16.12%
OM growth 5Y5.93%
PM growth 3Y-8.98%
PM growth 5Y-4.82%
GM growth 3Y0.11%
GM growth 5Y0.04%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | 18317.5 | ||
| Debt/EBITDA | 15.46 | ||
| Cap/Depr | 77.33% | ||
| Cap/Sales | 1.21% | ||
| Interest Coverage | 1.85 | ||
| Cash Conversion | 3.63% | ||
| Profit Quality | 0.27% | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | -0.28 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)158.73%
Cap/Depr(5y)177.55%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.63%
Profit Quality(3y)116.96%
Profit Quality(5y)158.65%
High Growth Momentum
Growth
EPS 1Y (TTM)27.41%
EPS 3Y0.99%
EPS 5Y5.79%
EPS Q2Q%150%
EPS Next Y42.57%
EPS Next 2Y30.33%
EPS Next 3Y24.78%
EPS Next 5Y14.7%
Revenue 1Y (TTM)14.85%
Revenue growth 3Y10.56%
Revenue growth 5Y10.06%
Sales Q2Q%17.19%
Revenue Next Year14.61%
Revenue Next 2Y11.89%
Revenue Next 3Y10.76%
Revenue Next 5Y6.72%
EBIT growth 1Y31.74%
EBIT growth 3Y28.38%
EBIT growth 5Y16.58%
EBIT Next Year16.97%
EBIT Next 3Y12.88%
EBIT Next 5Y11.41%
FCF growth 1Y-99.7%
FCF growth 3Y-34.45%
FCF growth 5Y1.21%
OCF growth 1Y-88.19%
OCF growth 3Y-33.02%
OCF growth 5Y-1.17%