STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SF - US8606301021 - Common Stock
129.69 USD
-0.51 (-0.39%)
129.69 USD
0 (0%)
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 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.
- 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 (1.50%) which is comparable to the rest of the industry.
- SF has a Return On Equity of 10.88%. This is in the better half of the industry: SF outperforms 62.98% of its industry peers.
- SF's Return On Invested Capital of 3.37% is in line compared to the rest of the industry. SF outperforms 48.09% of its industry peers.
- SF had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.16%.
- 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
- Looking at the Profit Margin, with a value of 10.12%, SF is in line with its industry, outperforming 40.43% of the companies in the same industry.
- SF's Profit Margin has been stable in the last couple of years.
- SF has a Operating Margin (27.20%) which is comparable to the rest of the industry.
- SF's Operating Margin has improved in the last couple of years.
- SF's Gross Margin of 98.93% is amongst the best of the industry. SF outperforms 98.30% of its industry peers.
- 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
- The debt/assets ratio for SF has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of -0.24, we must say that SF is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of -0.24, SF is not doing good in the industry: 76.60% of the companies in the same industry are doing better.
- 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's Debt to FCF ratio of 23.74 is in line compared to the rest of the industry. SF outperforms 54.04% 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.
- The Debt to Equity ratio of SF (5.62) is worse than 85.11% 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.
- Looking at the Current ratio, with a value of 0.14, SF is doing worse than 90.21% of the companies in the same industry.
- A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.14, SF is doing worse than 90.21% of the companies in the same industry.
| 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.
- 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
- SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.42% yearly.
- SF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
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.
- 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 17.20, which indicates a rather expensive current valuation of SF.
- Compared to the rest of the industry, the Price/Earnings ratio of SF is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, SF is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 13.66, SF is valued correctly.
- SF's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, SF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.66 |
4.2 Price Multiples
- SF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SF is cheaper than 92.77% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, SF is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.69 | ||
| EV/EBITDA | 6.08 |
4.3 Compensation for Growth
- SF's 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 16.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.1
PEG (5Y)1.58
EPS Next 2Y17.98%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.41%, SF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.12, SF is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.87, SF is paying slightly less dividend.
| 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 paid a dividend for at least 10 years, which is a reliable track record.
- SF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)26.83%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
- SF pays out 38.60% of its income as dividend. This is a sustainable payout ratio.
- SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
129.69
-0.51 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.38%
Inst Owner Change-0.12%
Ins Owners3.11%
Ins Owner Change-6.02%
Market Cap13.21B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.75
Price Target136.39 (5.17%)
Short Float %2.18%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
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)3.31%
PT rev (3m)6.12%
EPS NQ rev (1m)1.43%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.65%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 13.66 | ||
| P/S | 2.13 | ||
| P/FCF | 9.69 | ||
| P/OCF | 9.24 | ||
| P/B | 2.29 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 6.08 |
EPS(TTM)7.54
EY5.81%
EPS(NY)9.49
Fwd EY7.32%
FCF(TTM)13.39
FCFY10.32%
OCF(TTM)14.03
OCFY10.82%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)1.1
PEG (5Y)1.58
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 Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
Revenue Next 5Y5.95%
EBIT growth 1Y-9.76%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-26.45%
EBIT Next 3Y-0.28%
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 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 15.65% in the next year.