STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
126.28 USD
+1.59 (+1.28%)
Taking everything into account, SF scores 4 out of 10 in our fundamental rating. SF was compared to 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 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.
Each year in the past 5 years SF has been profitable.
Each year in the past 5 years SF had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.50%, SF is doing worse than 60.08% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.88%, SF is in the better half of the industry, outperforming 62.60% 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 47.48% 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 6.95%.
The 3 year average ROIC (3.24%) for SF is below the current ROIC(3.37%), indicating increased profibility in the last year.
| 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 of 10.12%. This is in the lower half of the industry: SF underperforms 60.50% of its industry peers.
In the last couple of years the Profit Margin of SF has remained more or less at the same level.
Looking at the Operating Margin, with a value of 27.20%, SF is in line with its industry, outperforming 55.46% 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 98.32% 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
Compared to 1 year ago, SF has more shares outstanding
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
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.
Looking at the Altman-Z score, with a value of -0.24, SF is doing worse than 78.99% 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 49.16% 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.
SF has a worse Debt to Equity ratio (5.62) than 86.97% 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's Current ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 91.60% of its industry peers.
SF has a Quick 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 Quick ratio of SF (0.14) is worse than 91.60% 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.
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 Y15.8%
EPS Next 2Y17.73%
EPS Next 3Y16.52%
EPS Next 5Y7.42%
Revenue Next Year11.16%
Revenue Next 2Y11.25%
Revenue Next 3Y10.31%
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.
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
The Price/Earnings ratio is 16.75, which indicates a correct valuation of SF.
SF's Price/Earnings ratio is in line with the industry average.
SF is valuated rather cheaply when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.36, which indicates a correct valuation of SF.
The rest of the industry has a similar Price/Forward Earnings ratio as SF.
When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (35.40), we can say SF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 13.36 |
4.2 Price Multiples
93.28% of the companies in the same industry are more expensive than SF, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, SF is valued a bit cheaper than the industry average as 73.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.43 | ||
| EV/EBITDA | 5.77 |
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 16.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.06
PEG (5Y)1.54
EPS Next 2Y17.73%
EPS Next 3Y16.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.52%, SF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 8.39, SF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.32, SF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
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 2Y17.73%
EPS Next 3Y16.52%
NYSE:SF (12/5/2025, 10:27:04 AM)
126.28
+1.59 (+1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.51%
Inst Owner Change-1.13%
Ins Owners3.15%
Ins Owner Change-4.88%
Market Cap12.86B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.82
Price Target133.62 (5.81%)
Short Float %2.6%
Short Ratio3.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
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)0%
PT rev (3m)3.97%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)1.3%
EPS NY rev (1m)0.54%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)2.42%
Revenue NY rev (1m)2.22%
Revenue NY rev (3m)2.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 13.36 | ||
| P/S | 2.08 | ||
| P/FCF | 9.43 | ||
| P/OCF | 9 | ||
| P/B | 2.23 | ||
| P/tB | 3.09 | ||
| EV/EBITDA | 5.77 |
EPS(TTM)7.54
EY5.97%
EPS(NY)9.45
Fwd EY7.49%
FCF(TTM)13.39
FCFY10.6%
OCF(TTM)14.03
OCFY11.11%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.06
PEG (5Y)1.54
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 Y15.8%
EPS Next 2Y17.73%
EPS Next 3Y16.52%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.16%
Revenue Next 2Y11.25%
Revenue Next 3Y10.31%
Revenue Next 5Y5.95%
EBIT growth 1Y-9.76%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-12.57%
EBIT Next 3Y1.63%
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 6 / 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 15.8% 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%.