STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SF • US8606301021
123.3 USD
-1.27 (-1.02%)
At close: Jan 30, 2026
123.3 USD
0 (0%)
After Hours: 1/30/2026, 8:18:34 PM
Taking everything into account, SF scores 4 out of 10 in our fundamental rating. SF was compared to 237 industry peers in the Capital Markets industry. While SF is still in line with the averages on profitability rating, there are concerns on its financial health. SF is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- SF had positive earnings in the past year.
- In the past year SF had a positive cash flow from operations.
- SF had positive earnings in each of the past 5 years.
- Of the past 5 years SF 4 years 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 63.71% of the companies in the same industry.
- With a decent Return On Equity value of 10.88%, SF is doing good in the industry, outperforming 62.87% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 3.47%, SF is in line with its industry, outperforming 47.26% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 10.12%, SF is not doing good in the industry: 63.29% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of SF has declined.
- The Operating Margin of SF (27.20%) is comparable to the rest of the industry.
- SF's Operating Margin has improved in the last couple of years.
- 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.
| Industry Rank | Sector 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
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.
2.2 Solvency
- SF has an Altman-Z score of -0.25. 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 -0.25, SF is doing worse than 81.01% 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.
- SF has a Debt to FCF ratio of 23.74. This is comparable to the rest of the industry: SF outperforms 54.43% of its industry peers.
- SF has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
- SF has a worse Debt to Equity ratio (5.62) than 85.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.25 |
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's Current ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 90.30% 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.
- SF has a worse Quick ratio (0.14) than 90.30% 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 nice 16.42% 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 11.71% yearly.
- 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
- The Earnings Per Share is expected to grow by 5.88% 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 4.62% yearly.
EPS Next Y20.12%
EPS Next 2Y16.75%
EPS Next 3Y5.53%
EPS Next 5Y5.88%
Revenue Next Year12.05%
Revenue Next 2Y10.4%
Revenue Next 3Y5.55%
Revenue Next 5Y4.62%
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
- Based on the Price/Earnings ratio of 15.53, the valuation of SF can be described as correct.
- SF's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.32. SF is valued slightly cheaper when compared to this.
- SF is valuated correctly with a Price/Forward Earnings ratio of 12.93.
- Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.34% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (25.57), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 12.93 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 92.83% of the companies are valued more expensively.
- SF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SF is cheaper than 81.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.21 | ||
| EV/EBITDA | 5.69 |
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)0.77
PEG (5Y)1.33
EPS Next 2Y16.75%
EPS Next 3Y5.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.64%, SF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.00, SF has a dividend in line with its industry peers.
- SF's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
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.
- The dividend of SF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y16.75%
EPS Next 3Y5.53%
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 20.12% in the next year.