STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
128.3 USD
-2.58 (-1.97%)
128.3 USD
0 (0%)
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 238 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.
- SF had a positive operating cash flow in the past year.
- 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 doing worse than 63.45% 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 63.03% of the companies in the same industry.
- The Return On Invested Capital of SF (3.37%) 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 7.27%.
- 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
- The Profit Margin of SF (10.12%) is worse than 63.03% of its industry peers.
- In the last couple of years the Profit Margin of SF has remained more or less at the same level.
- SF has a Operating Margin (27.20%) which is in line with its industry peers.
- 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
- 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 -0.23, we must say that SF is in the distress zone and has some risk of bankruptcy.
- SF has a Altman-Z score of -0.23. This is amonst the worse of the industry: SF underperforms 81.09% of its industry peers.
- 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.
- SF has a Debt to FCF ratio (23.74) which is in line with its industry peers.
- A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
- The Debt to Equity ratio of SF (5.62) is worse than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.23 |
ROIC/WACCN/A
WACCN/A
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.
- SF has a Current ratio of 0.14. This is amonst the worse of the industry: SF underperforms 90.34% of its industry peers.
- A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- SF has a worse Quick ratio (0.14) than 90.34% of its industry peers.
| 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.
- Measured over the past years, SF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.86% on average per year.
- Looking at the last year, SF shows a small growth in Revenue. The Revenue has grown by 7.63% in the last year.
- SF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.11% yearly.
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.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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 17.02, 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.
- SF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.21.
- With a Price/Forward Earnings ratio of 13.45, SF is valued correctly.
- SF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SF is cheaper than 60.50% of the companies in the same industry.
- SF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.02 | ||
| Fwd PE | 13.45 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaper than 92.86% of the companies in the same industry.
- SF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SF is cheaper than 79.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.58 | ||
| EV/EBITDA | 6.12 |
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)1.08
PEG (5Y)1.57
EPS Next 2Y18.26%
EPS Next 3Y16.64%
5. Dividend
5.1 Amount
- SF has a Yearly Dividend Yield of 1.41%. Purely for dividend investing, there may be better candidates out there.
- SF's Dividend Yield is slightly below the industry average, which is at 6.10.
- SF's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| 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.
- 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%
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.