STIFEL FINANCIAL CORP (SF) Fundamental Analysis & Valuation

NYSE:SF • US8606301021

Current stock price

77.19 USD
+0.3 (+0.39%)
At close:
77.19 USD
0 (0%)
After Hours:

This SF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SF Profitability Analysis

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.
  • In the past 5 years SF always reported a positive cash flow from operatings.
SF Yearly Net Income VS EBIT VS OCF VS FCFSF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

1.2 Ratios

  • SF's Return On Assets of 1.57% is in line compared to the rest of the industry. SF outperforms 41.25% of its industry peers.
  • SF's Return On Equity of 10.82% is fine compared to the rest of the industry. SF outperforms 63.33% of its industry peers.
  • SF's Return On Invested Capital of 3.51% is in line compared to the rest of the industry. SF outperforms 47.08% of its industry peers.
  • SF had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 7.30%.
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROIC 3.51%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
SF Yearly ROA, ROE, ROICSF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 10.19%, SF is in line with its industry, outperforming 42.08% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SF has declined.
  • SF has a Operating Margin (26.61%) which is comparable to the rest of the industry.
  • SF's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 98.96%, SF belongs to the top of the industry, outperforming 99.17% 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 RankSector Rank
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
SF Yearly Profit, Operating, Gross MarginsSF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. SF Health Analysis

2.1 Basic Checks

  • SF has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for SF has been reduced compared to 5 years ago.
  • SF has a better debt/assets ratio than last year.
SF Yearly Shares OutstandingSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SF Yearly Total Debt VS Total AssetsSF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • SF has an Altman-Z score of -0.26. This is a bad value and indicates that SF is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of SF (-0.26) is worse than 82.08% of its industry peers.
  • The Debt to FCF ratio of SF is 30.21, which is on the high side as it means it would take SF, 30.21 years of fcf income to pay off all of its debts.
  • SF has a Debt to FCF ratio (30.21) which is in line with its industry peers.
  • A Debt/Equity ratio of 5.33 is on the high side and indicates that SF has dependencies on debt financing.
  • With a Debt to Equity ratio value of 5.33, SF is not doing good in the industry: 86.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.26
ROIC/WACCN/A
WACCN/A
SF Yearly LT Debt VS Equity VS FCFSF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

2.3 Liquidity

  • A Current Ratio of 0.12 indicates that SF may have some problems paying its short term obligations.
  • SF has a Current ratio of 0.12. This is amonst the worse of the industry: SF underperforms 92.50% of its industry peers.
  • A Quick Ratio of 0.12 indicates that SF may have some problems paying its short term obligations.
  • SF has a Quick ratio of 0.12. This is amonst the worse of the industry: SF underperforms 92.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
SF Yearly Current Assets VS Current LiabilitesSF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.27% over the past year.
  • Measured over the past years, SF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.71% on average per year.
  • The Revenue has been growing slightly by 6.65% in the past year.
  • The Revenue has been growing by 10.70% on average over the past years. This is quite good.
EPS 1Y (TTM)21.27%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%31.82%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%17.74%

3.2 Future

  • SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.10% yearly.
  • The Revenue is expected to grow by 3.90% on average over the next years.
EPS Next Y22.33%
EPS Next 2Y17.05%
EPS Next 3Y17.73%
EPS Next 5Y5.1%
Revenue Next Year11.84%
Revenue Next 2Y9.92%
Revenue Next 3Y6.46%
Revenue Next 5Y3.9%

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.
SF Yearly Revenue VS EstimatesSF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B
SF Yearly EPS VS EstimatesSF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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6

4. SF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.69, SF is valued correctly.
  • SF's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of SF to the average of the S&P500 Index (27.42), we can say SF is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.64 indicates a reasonable valuation of SF.
  • Based on the Price/Forward Earnings ratio, SF is valued a bit cheaper than the industry average as 65.42% of the companies are valued more expensively.
  • SF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 13.69
Fwd PE 10.64
SF Price Earnings VS Forward Price EarningsSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 91.67% 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 72.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.33
EV/EBITDA 5.78
SF Per share dataSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SF's earnings are expected to grow with 17.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.17
EPS Next 2Y17.05%
EPS Next 3Y17.73%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SF Dividend Analysis

5.1 Amount

  • SF has a Yearly Dividend Yield of 1.77%.
  • Compared to an average industry Dividend Yield of 6.46, SF has a dividend in line with its industry peers.
  • SF's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.77%

5.2 History

  • The dividend of SF is nicely growing with an annual growth rate of 13.04%!
  • 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)13.04%
Div Incr Years8
Div Non Decr Years8
SF Yearly Dividends per shareSF Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.67% 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.
DP37.67%
EPS Next 2Y17.05%
EPS Next 3Y17.73%
SF Yearly Income VS Free CF VS DividendSF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B
SF Dividend Payout.SF Dividend Payout, showing the Payout Ratio.SF Dividend Payout.PayoutRetained Earnings

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SF Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP

NYSE:SF (4/24/2026, 8:08:05 PM)

After market: 77.19 0 (0%)

77.19

+0.3 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-22
Earnings (Next)07-28
Inst Owners88.67%
Inst Owner Change0.43%
Ins Owners4.66%
Ins Owner Change3.74%
Market Cap11.95B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price Target94.69 (22.67%)
Short Float %2.85%
Short Ratio3.08
Dividend
Industry RankSector Rank
Dividend Yield 1.77%
Yearly Dividend1.59
Dividend Growth(5Y)13.04%
DP37.67%
Div Incr Years8
Div Non Decr Years8
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.07%
Min EPS beat(2)0.27%
Max EPS beat(2)1.86%
EPS beat(4)3
Avg EPS beat(4)0.56%
Min EPS beat(4)-2.78%
Max EPS beat(4)2.88%
EPS beat(8)5
Avg EPS beat(8)0.19%
EPS beat(12)6
Avg EPS beat(12)-5.09%
EPS beat(16)6
Avg EPS beat(16)-6.23%
Revenue beat(2)2
Avg Revenue beat(2)2.77%
Min Revenue beat(2)0.75%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)6
Avg Revenue beat(12)0.45%
Revenue beat(16)7
Avg Revenue beat(16)-0.12%
PT rev (1m)-35.16%
PT rev (3m)-32.57%
EPS NQ rev (1m)-1.45%
EPS NQ rev (3m)-35%
EPS NY rev (1m)-1.89%
EPS NY rev (3m)-32.11%
Revenue NQ rev (1m)-2.12%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)-2.1%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE 13.69
Fwd PE 10.64
P/S 1.88
P/FCF 11.33
P/OCF 10.7
P/B 2
P/tB 2.71
EV/EBITDA 5.78
EPS(TTM)5.64
EY7.31%
EPS(NY)7.25
Fwd EY9.39%
FCF(TTM)6.82
FCFY8.83%
OCF(TTM)7.22
OCFY9.35%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)0.61
PEG (5Y)1.17
Graham Number70.0023 (-9.31%)
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROCE 25.4%
ROIC 3.51%
ROICexc 3.73%
ROICexgc 4.05%
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
FCFM 16.62%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
ROICexc(3y)3.98%
ROICexc(5y)3.53%
ROICexgc(3y)4.34%
ROICexgc(5y)3.84%
ROCE(3y)26.29%
ROCE(5y)22.7%
ROICexgc growth 3Y11.99%
ROICexgc growth 5Y6.26%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Debt/EBITDA 17.86
Cap/Depr 65.25%
Cap/Sales 0.98%
Interest Coverage 2.03
Cash Conversion 62.61%
Profit Quality 163.18%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.26
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)125.45%
Cap/Sales(3y)1.08%
Cap/Sales(5y)1.79%
Profit Quality(3y)105.13%
Profit Quality(5y)114.82%
High Growth Momentum
Growth
EPS 1Y (TTM)21.27%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%31.82%
EPS Next Y22.33%
EPS Next 2Y17.05%
EPS Next 3Y17.73%
EPS Next 5Y5.1%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%17.74%
Revenue Next Year11.84%
Revenue Next 2Y9.92%
Revenue Next 3Y6.46%
Revenue Next 5Y3.9%
EBIT growth 1Y-11.56%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year63.21%
EBIT Next 3Y13.33%
EBIT Next 5Y11.27%
FCF growth 1Y153.2%
FCF growth 3Y-0.63%
FCF growth 5Y-7.86%
OCF growth 1Y127.76%
OCF growth 3Y-1.18%
OCF growth 5Y-7.64%

STIFEL FINANCIAL CORP / SF Fundamental Analysis 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.


How profitable is STIFEL FINANCIAL CORP (SF) stock?

STIFEL FINANCIAL CORP (SF) has a profitability rating of 5 / 10.


What is the valuation of STIFEL FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for STIFEL FINANCIAL CORP (SF) is 13.69 and the Price/Book (PB) ratio is 2.


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 37.67%.