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%)
SF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year SF was profitable.
- In the past year SF had a positive cash flow from operations.
- In the past 5 years SF has always been profitable.
- In the past 5 years SF always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.50%, SF is in line with its industry, outperforming 40.51% of the companies in the same industry.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 63.29% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.37%, SF is in line with its industry, outperforming 48.52% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years 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
- SF has a Profit Margin (10.12%) which is in line with its industry peers.
- SF's Profit Margin has been stable in the last couple of years.
- Looking at the Operating Margin, with a value of 27.20%, SF is in line with its industry, outperforming 55.70% of the companies in the same industry.
- 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.
- 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
- SF has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SF has more shares outstanding
- SF has a better debt/assets ratio than last year.
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 77.22% 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.
- The Debt to FCF ratio of SF (23.74) is comparable to the rest of the industry.
- A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
- SF has a Debt to Equity ratio of 5.62. This is amonst the worse of the industry: SF underperforms 85.23% 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.
- Looking at the Current ratio, with a value of 0.14, SF is doing worse than 89.87% of the companies in the same industry.
- 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: 89.87% 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
- SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.81%, which is quite impressive.
- The Earnings Per Share has been growing by 10.86% on average over the past years. This is quite good.
- The Revenue has been growing slightly by 7.63% in the past 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
- 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 Y15.73%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.73%
Revenue Next 3Y10.74%
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
- SF is valuated rather expensively with a Price/Earnings ratio of 17.20.
- Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
- SF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 13.60, SF is valued correctly.
- SF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 60.76% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (24.26), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.6 |
4.2 Price Multiples
- SF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SF is cheaper than 92.83% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, SF is valued cheaply inside the industry as 80.59% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.69 | ||
| EV/EBITDA | 6.05 |
4.3 Compensation for Growth
- The 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.
- SF's earnings are expected to grow with 16.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.09
PEG (5Y)1.58
EPS Next 2Y18.26%
EPS Next 3Y16.64%
5. Dividend
5.1 Amount
- SF has a Yearly Dividend Yield of 1.41%.
- Compared to an average industry Dividend Yield of 6.12, SF is paying slightly less dividend.
- SF's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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.
- SF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 2Y18.26%
EPS Next 3Y16.64%
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 Target140.42 (8.27%)
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)6.36%
PT rev (3m)9.26%
EPS NQ rev (1m)1.5%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)3.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.6 | ||
| P/S | 2.13 | ||
| P/FCF | 9.69 | ||
| P/OCF | 9.24 | ||
| P/B | 2.29 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 6.05 |
EPS(TTM)7.54
EY5.81%
EPS(NY)9.54
Fwd EY7.35%
FCF(TTM)13.39
FCFY10.32%
OCF(TTM)14.03
OCFY10.82%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.09
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 Y15.73%
EPS Next 2Y18.26%
EPS Next 3Y16.64%
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 2Y11.73%
Revenue Next 3Y10.74%
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 15.73% in the next year.