STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis

NYSE:SF • US8606301021

114.24 USD
+1.23 (+1.09%)
Last: Feb 25, 2026, 11:11 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 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 has a correct valuation and a medium growth rate. Finally SF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year SF was profitable.
  • SF had a positive operating cash flow in the past year.
  • SF had positive earnings in each of the past 5 years.
  • SF had a positive operating cash flow in 4 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 worse Return On Assets (1.50%) than 63.03% of its industry peers.
  • SF's Return On Equity of 10.88% is fine compared to the rest of the industry. SF outperforms 63.87% of its industry peers.
  • SF has a Return On Invested Capital (3.47%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.5%
ROE 10.88%
ROIC 3.47%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • Looking at the Profit Margin, with a value of 10.12%, SF is doing worse than 63.45% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SF has declined.
  • SF's Operating Margin of 27.20% is in line compared to the rest of the industry. SF outperforms 54.62% of its industry peers.
  • SF's Operating Margin has improved in the last couple of years.
  • SF has a Gross Margin of 98.93%. This is amongst the best in the industry. SF outperforms 98.32% of its industry peers.
Industry RankSector Rank
OM 27.2%
PM (TTM) 10.12%
GM 98.93%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • There is no outstanding debt for SF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B

2.2 Solvency

  • Based on the Altman-Z score of -0.26, we must say that SF is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.26, SF is not doing good in the industry: 81.51% of the companies in the same industry are doing better.
  • 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.
  • SF has a Debt to FCF ratio of 23.74. This is comparable to the rest of the industry: SF outperforms 55.04% of its industry peers.
  • A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
  • SF has a worse Debt to Equity ratio (5.62) than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.62
Debt/FCF 23.74
Altman-Z -0.26
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 0 2B 4B

2.3 Liquidity

  • SF has a Current Ratio of 0.14. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of SF (0.14) is worse than 89.92% of its industry peers.
  • 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: 89.92% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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 10B 20B 30B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

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.
  • The Earnings Per Share has been growing by 11.71% on average over the past years. This is quite good.
  • SF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.65%.
  • SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.70% yearly.
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.
  • SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.39, the valuation of SF can be described as correct.
  • SF's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of SF to the average of the S&P500 Index (26.98), we can say SF is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 11.51, the valuation of SF can be described as very reasonable.
  • SF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 63.03% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (28.01), we can say SF is valued rather cheaply.
Industry RankSector Rank
PE 14.39
Fwd PE 11.51
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

  • Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 93.28% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, SF is valued cheaper than 81.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.63
EV/EBITDA 5.17
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • SF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)1.23
EPS Next 2Y17.95%
EPS Next 3Y10.9%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • SF has a Yearly Dividend Yield of 6.49%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.17, SF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, SF pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.49%

5.2 History

  • The dividend of SF is nicely growing with an annual growth rate of 26.83%!
  • 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
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

  • 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 2Y17.95%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

STIFEL FINANCIAL CORP

NYSE:SF (2/25/2026, 11:11:59 AM)

114.24

+1.23 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners89.38%
Inst Owner Change0.15%
Ins Owners3.11%
Ins Owner Change3.94%
Market Cap11.77B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts77.5
Price Target146.03 (27.83%)
Short Float %2.28%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 6.49%
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-02
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)4%
PT rev (3m)9.29%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)4.11%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 14.39
Fwd PE 11.51
P/S 1.9
P/FCF 8.63
P/OCF 8.23
P/B 2.04
P/tB 2.83
EV/EBITDA 5.17
EPS(TTM)7.94
EY6.95%
EPS(NY)9.93
Fwd EY8.69%
FCF(TTM)13.23
FCFY11.58%
OCF(TTM)13.88
OCFY12.15%
SpS60.07
BVpS55.88
TBVpS40.42
PEG (NY)0.57
PEG (5Y)1.23
Graham Number99.92
Profitability
Industry RankSector Rank
ROA 1.5%
ROE 10.88%
ROCE 26.18%
ROIC 3.47%
ROICexc 3.79%
ROICexgc 4.12%
OM 27.2%
PM (TTM) 10.12%
GM 98.93%
FCFM 22.03%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.15
Health
Industry RankSector 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 -0.26
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y11.27%
FCF growth 1Y82513.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1913.39%
OCF growth 3YN/A
OCF growth 5YN/A

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 6 / 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 4 / 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 25.05% in the next year.