STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
126.34 USD
-2.48 (-1.93%)
126.55 USD
+0.21 (+0.17%)
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. 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.
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.
- Each year in the past 5 years SF had a positive operating cash flow.
1.2 Ratios
- SF has a Return On Assets of 1.50%. This is in the lower half of the industry: SF underperforms 63.71% of its industry peers.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 62.87% of its industry peers.
- The Return On Invested Capital of SF (3.37%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years 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
- SF has a Profit Margin of 10.12%. This is in the lower half of the industry: SF underperforms 63.29% 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 of 27.20%. This is comparable to the rest of the industry: SF outperforms 54.85% of its industry peers.
- 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.
- In the last couple of years the Gross Margin of SF has remained more or less at the same level.
| 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
- The number of shares outstanding for SF has been increased compared to 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
- 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 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's Debt to FCF ratio of 23.74 is in line compared 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 Debt to Equity ratio of 5.62. This is amonst the worse of the industry: SF underperforms 85.65% 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
- 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 90.30% 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 Quick ratio of 0.14. This is amonst the worse of the industry: SF underperforms 90.30% 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.
- SF shows a small growth in Revenue. In the last year, the Revenue has grown by 7.63%.
- 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
- Based on estimates for the next years, SF will show a small growth in Earnings Per Share. The EPS will grow by 7.42% on average per year.
- Based on estimates for the next years, SF will show a small growth in Revenue. The Revenue will grow by 5.95% on average per year.
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
- The Price/Earnings ratio is 16.76, 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 28.82, which is the current average of the S&P500 Index.
- SF is valuated correctly with a Price/Forward Earnings ratio of 13.25.
- Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 60.76% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of SF to the average of the S&P500 Index (25.95), we can say SF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.76 | ||
| Fwd PE | 13.25 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SF indicates a rather cheap valuation: SF is cheaper than 92.83% of the companies listed in the same industry.
- SF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SF is cheaper than 80.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.44 | ||
| EV/EBITDA | 5.86 |
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.
- A more expensive valuation may be justified as SF's earnings are expected to grow with 16.64% in the coming years.
PEG (NY)1.07
PEG (5Y)1.54
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 comparable with the industry average which is at 5.87.
- 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
- 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 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 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 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.